Financing

Why Choose Affirm?

Get what you need now and pay over time—with 0% APR financing options available.

Buy Now, Pay Later: Split your purchase into easy, fixed monthly payments that fit your budget.
0% APR Available:
- Purchases under $2,000 may qualify for 0% APR over 12 months.
- Purchases over $2,000 may qualify for 0% APR over 24 months.

(Example: $499 = $41.58/mo for 12 months. $2,000 = $83.33/mo for 24 months)

Instant Approval: Quick, secure application with real-time loan terms—no hidden fees, ever.
Transparent Terms: Know exactly what you’ll pay each month, with no surprises.
No Credit Card Required: Affirm pays the merchant directly on your behalf.
Flexible Eligibility: Even with limited credit history, you may still qualify.
Automatic Reminders & Autopay: Stay on track with helpful notifications and easy autopay setup.

Subject to credit check and approval. Terms may vary.

What Do You Need to Use Affirm?

To create an Affirm account, you must:

Be a U.S. resident (including U.S. territories)
Be at least 18 years old (19 in Nebraska if you're a ward of the state)
Have a valid Social Security number
Own a U.S.-based mobile number that can receive SMS

How does Affirm work?

Affirm lets you buy now and pay over time with easy, transparent monthly payments. Here’s how it works:

Select Affirm at Checkout: Choose “Pay with Affirm” when completing your purchase.
Enter Basic Info: Provide your name, email, phone number, date of birth, and the last 4 digits of your Social Security number.
Verify Your Identity: Affirm will send a unique code to your phone via text to confirm your identity.
Get Instant Loan Terms: See your approved loan amount, interest rate (if applicable), and payment plan—usually 3, 6, or 12 months—with fixed monthly payments.
Confirm Your Loan: Review the terms and click “Confirm Loan” to complete your purchase.
Make Easy Payments: Your first payment is due 30 days after your order is processed. You’ll get payment reminders by email and SMS, and you can turn on Autopay for added convenience.

How does Affirm approve borrowers?

Affirm uses a quick and secure process to make loan decisions:

You’ll enter basic personal information: your name, email, phone number, date of birth, and the last 4 digits of your Social Security number.
Affirm instantly verifies your identity and evaluates your eligibility.
Approval isn’t based solely on your credit score—Affirm considers multiple factors, so you may qualify even without a long credit history.

Note: 0% APR financing is available based on credit and eligibility. Payment options are provided by Affirm’s lending partners and may vary depending on your purchase amount. A down payment might be required. Learn more at affirm.com/lenders.

FAQs

Does Affirm check my credit, and will it affect my score?

Affirm performs a soft credit check to verify your identity. This does not affect your credit score and won’t show up on credit reports used by other lenders. Affirm never uses hard credit inquiries when you apply.

Why was I denied financing?

Financing decisions are made solely by Affirm. While they aim to approve as many creditworthy applicants as possible, not all applications are approved. If you’re denied, you’ll receive an email from Affirm with more details. The decision is final, and merchants do not have access to the reasoning.

Why do I need to verify my identity?

Affirm may request additional information—such as your address, full SSN, or a photo ID—if they’re unable to verify your identity initially. These extra steps help prevent fraud and ensure a secure, accurate credit decision.

Why am I asked to provide my income?

Your income helps Affirm better understand your financial picture and assess your ability to repay a loan. This is especially helpful if you have limited credit history.

Why do I need to link my checking account?

In some cases, Affirm may ask you to securely link your checking account to evaluate your eligibility. If requested, you'll provide your online banking login info via a secure system—Affirm does not store your credentials.

Your application may be declined if:

Your bank isn't supported
You choose not to link your account
Your login info is incorrect
You don’t use online banking
The connection fails

Why isn’t my bank listed?

Affirm is continuously adding support for more banks, but some are not yet integrated. If your bank isn’t available, you’ll need to use a different payment method at checkout.

Will I see how much interest I'm paying before accepting the loan?

Absolutely. Affirm is transparent about your total cost. Before you confirm your loan, you'll see a full breakdown of the interest charges on both the terms page and the loan confirmation page. If you choose to pay off your loan early, you’ll receive a refund for any unused, unaccrued interest.