Financing

Why Choose Affirm?

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)

Quick & Secure Application: The application is secure and completed in real time. Affirm requests a few basic details and quickly shows your approved loan amount, interest rate, and repayment term—often within seconds.

Instant Loan Decision: With Affirm approval, your financing terms are shown before you complete your purchase. You’ll know your monthly payment amount, total number of payments, and the full cost of interest upfront. No hidden fees.

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: Affirm notifies you by email and SMS ahead of your due date, with the option to enable Autopay for automatic monthly payments.

Subject to Affirm 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 Decision & 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—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.

For Affirm's Terms of Service, please visit affirm.com/terms

FAQs

Does checking my eligibility affect my credit?

No, your credit won’t be affected when you create an Affirm account or check your eligibility (including checking your pre-qualification eligibility). When you apply for or check to see if you prequalify for Affirm financing, it’s considered a soft inquiry, which does not affect your credit. If you decide to pay with installments through Affirm, your payment plan and repayment activity may be reported to credit bureaus. You can find more information on Affirm's Help Center

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 finances 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.