Buy Now, Pay Later

There are two ways to sign up for Affirm:

Create an Affirm account at www.affirm.com/account in just a few easy steps or.
Select Affirm as your payment method while checking out with any Affirm online merchant partner.

Affirm customers must:

1. Be a resident of the U.S. (including U.S. territories).
2. Be at least 18 years old (19 if you’re a ward of the state in Nebraska).
3. Have a Social Security number.
4. Own a phone number that receives SMS and is registered to the United States or U.S. territories.

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.

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, 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. 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.

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.

We aren'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 my purchase with Affirm not approved?

While we strive to offer all creditworthy applicants financing with Affirm, we simply aren’t able to approve every loan application. If we aren’t able to approve your application, we 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 the merchant for processing. Please contact the merchant 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 the merchant finalizes your purchase. Some merchants won’t finalize your purchase until they are ready to ship your item(s). We’ll 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.

No, there are no prepayment penalties or fees for paying off your loan early. Also, if you pay off your entire loan before the final due date, you will pay interest only for the period that you borrowed the money. Affirm rebates any unearned portion of the finance charge for the remaining loan period. To see the total pay-off amount, go to your Affirm account and click on ‘Make Payment’.

When you make a purchase of $150 or more with Affirm, you can pay over 3, 6, 12, 18 or 24 Months.

Affirm loans vary between 0-36% APR. 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.

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.