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Affirm

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Quick and easy

Checkout is simple at any store that accepts Affirm. Just enter a few pieces of information for a real-time decision.

No hidden fees

Know upfront exactly what you'll owe, with no hidden costs and no surprises.

Safe & secure

Affirm connects directly to online stores. There’s no card number to steal, so your account stays secure.

You're in control

Pick a loan that fits your budget. You’ll make real progress every month, and at the end of your loan, you’re free and clear.

FAQs

About Affirm


How do I sign up for Affirm?

There are two ways to sign up for Affirm:

  1. Create an Affirm account at www.affirm.com/account in just a few easy steps; or
  2. Select Affirm as your payment method while checking out!

What is required to have an Affirm account?

To sign up for Affirm, you must:

  1. Be 18 years or older (19 years or older in Alabama or if you’re a ward of the state in Nebraska).
  2. Provide a valid U.S. or APO/FPO/DPO home address. Buy with Affirm is not currently available to West Virginia residents.
  3. Provide a valid U.S. mobile or VoIP number and agree to receive SMS texts. The phone account must be registered in your name.
  4. Provide your full name, email address, date of birth, and the last 4 digits of your social security number to help us verify your identity.

Are there any interest fees associated with Affirm loans?

Affirm loans vary between 10% and 30% APR simple interest (0% APR is offered at select merchants). The corresponding finance charge is the only fee associated with an Affirm loan - we don’t charge late fees, service fees, prepayment fees, or any other hidden fees. We strive always to be more transparent and fair than any other form of financing.


What are my payment options?

When you make a purchase of $100 or more with Affirm, you can pay over 3, 6, or 12 months. For purchases between $50.00–$99.99, you can pay over 3 or 6 months


Do I have a credit limit with Affirm?

Unlike a credit card, Affirm is not a revolving line of credit. While customers can take out multiple Affirm loans at once, each Affirm loan application is evaluated separately as a closed-end transaction. An application from a returning customer may be denied, however, if that customer has failed to repay other Affirm loans on time or if the customer shows excessive borrowing behavior.


Does Affirm perform a credit check?

Yes, when you first create an Affirm account, we perform a ‘soft’ credit check to help verify your identity and determine your eligibility for financing. This ‘soft’ credit check will not affect your credit score.

If you apply for more loans with Affirm, we may perform additional ‘soft’ credit checks to ensure that we offer you the best financing options possible.


Does Affirm report to credit bureaus?

Yes. Our goal is to give you the opportunity to build your credit history as you repay your Affirm loans. That’s why, for loans requested on or after August 3, 2016, Affirm reports information about your loan and payment activity to Experian (and plans to report to other credit bureaus in the future).

Because FICO and credit bureaus calculate your credit scores in ways that are not publicly known, we can’t predict exactly how your credit score will be affected. There are many factors that could impact your credit, such as your payment history, the amount of available credit that you have used, the length of your credit history, and the number of accounts you have recently opened.


What is Cross River Bank and how is it related to Affirm?

Cross River Bank is a New Jersey State Chartered Commercial Bank, Member FDIC, and is the lender for all Affirm loans.


Is my personal information secure with Affirm?

Yes, protecting your personal information is very important to us. We encrypt sensitive data including Social Security numbers. We also maintain physical, electronic, and procedural safeguards to protect your information. We do not sell or rent your information to anyone. You can read more about our Privacy Policy here.



Buy with Affirm


How do I use Buy With Affirm?

Affirm offers clear, simple financing for your online purchases in just a few clicks:

  1. Fill your cart and select the Affirm payment option on the merchant's checkout page.
  2. Enter a few basic pieces of information to identify yourself. We'll let you know if you are approved for a loan in real time.
  3. Review your payment plan details and click confirm to finalize the loan. Once you’re done, your purchase will be on its way. That's it! Just remember to pay your bills on or before their due dates or sign up for autopayment at www.affirm.com/pay.

Why was I prompted for a down payment?

Affirm isn't always able to approve financing for the full amount of a purchase. When this happens, you will have the option of using a debit card to pay for the rest of your purchase. Regrettably, the down payment amount can’t be changed.


Why was I prompted to link my checking account?

Affirm sometimes needs more information about your financial situation to evaluate your loan application. We may ask you to link your online checking account, which helps us determine your ability to repay a loan. If you’re prompted to link your checking account and would like to continue with the application process, you may securely link your account by providing the login information for your bank account. We may refresh your bank account information periodically, but you can unlink your account at any time in your Affirm account settings.

Linking your checking account DOES NOT authorize Affirm to debit your account.


Why was my purchase with Affirm not approved?

While they strive to offer all creditworthy applicants financing with Affirm, they simply aren’t able to approve every loan application. If they aren’t able to approve your application, they will immediately notify you of our decision and denial reason via a secured message.


What is the status of my purchase?

Once you have completed your checkout and confirm the purchase with Affirm, your purchase is sent to us for processing. Please contact us for any updates on the status of your purchase.


Why is my loan still being processed?

Your loan will be in a “Merchant Processing Order” state while we finalize your purchase. Affirm will you know let you know when your purchase has been finalized and your first bill is due. To view the status of your Affirm loan(s) , please visit your Affirm account at www.affirm.com/account.


How do I cancel a transaction after placing an order, but before receiving the item(s)?

Cancellations are subject to the our order cancellation policy. Please contact us if you would like to cancel a transaction before receiving the item(s). If your loan is still in a “processing” state when we agree to cancel your order, the loan will automatically be removed from your Affirm account. If we agree to cancel your order after your loan has been processed, your loan will reflect a refund in the amount of your purchase as soon as we process the cancellation.


How do I return and get a refund for my purchase?

Returns are subject to our return policy. Please contact us if you would like to return your item(s). Affirm will only issue you a refund if we receive your returned items and process the refund within 120 days from the date of purchase. They will credit any payments you have made on your loan, up to the amount of the refund and less any interest you have paid, to the original form of payment within 3 to 10 business days of the refund. If, however, we issue you store credit, you will still be responsible for repaying your loan.


What happens to my monthly payments if TruTech Tools gives me a partial refund?

The partial refund will first be credited to the last monthly bill associated with your loan. If the refund amount is greater than the last monthly bill amount, the remainder of the refund will be applied to the preceding month. All other payment amounts will not change from your original terms.

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