Quick and easy online financing options.
What is Affirm?
Affirm is a financing alternative to credit cards and other credit-payment products. Affirm offers instant financing for online purchases to be paid in fixed monthly installments.
Why buy with Affirm?
Affirm offers instant financing for online purchases to be paid in fixed monthly installments, with rates as low as 0%.
Buy and receive your purchase right away, and pay for it over several months. This payment option allows you to split the price of your purchase into fixed payment amounts that fit your monthly budget.
If Affirm approves your loan, you'll see your loan terms before you make your purchase. See exactly how much you owe each month, the number of payments you must make, and the total amount of interest you’ll pay over the course of the loan. There are no hidden fees.
The application process is secure and real-time. Affirm asks you for a few pieces of information. After you provide this information, Affirm notifies you of the loan amount that you’re approved for, the interest rate, and the number of months that you have to pay off your loan -- all within seconds.
You don’t need a credit card to make a purchase. Affirm lends to the merchant directly on your behalf.
You may be eligible for Affirm financing even if you don’t have an extensive credit history. Affirm bases its loan decision not only on your credit score, but also on several other data points about you.
Affirm reminds you by email and SMS before your upcoming payment is due. Enable Autopay to schedule automatic monthly payments on your loan.
Interest Rates and Fees
What are Affirm’s fees?
The annual percentage rate (APR) on an Affirm loan ranges from 0% to 30%. Affirm discloses any required fees upfront before you make a purchase, so you know exactly what you will pay for your financing. Affirm does not charge any hidden fees, including annual fees.
Why is my Affirm interest rate so high?
When Affirm determines your annual percentage rate (APR), it evaluates a number of factors, including your credit score and other data about you. If you finance future purchases with Affirm, you may be eligible for a lower APR depending on your financial situation at the time of purchase.
This APR calculator will give you an idea of how much interest you actually pay: https://www.affirm.com/apr-calculator/
When you consider Affirm financing, carefully evaluate the loan terms that Affirm offers you and determine whether the monthly payments fit your budget.
If I return an item, how do refunds work?
A refund posts to your Affirm account if we process your refund request. If you have already made loan payments or a down payment, Affirm issues a refund credit to the bank account or debit card that you used to make the payments.
How long does it take to get my money back in the event of a return?
A refund credit appears in your account within three to ten business days, depending on your bank’s processing time.
Can I amend my order after my purchase has been processed? Can I be approved for a higher loan amount if my purchase amount increases?
You cannot edit your order after you have confirmed your loan. If you want to add items to your purchase, apply for another loan with Affirm or use a different payment method.
Am I able to obtain a refund after my purchase?
Refunds can be processed up to 365 days from the date your order is placed.
Subject to credit check and approval. Down payment may be required. For purchases under $100, limited payment options are available. Affirm loans are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC.