Buy Now, Pay over Time
Get the products you need today; pay over time with Affirm
Quick and easy
Enter a few pieces of information for a real-time decision.
No hidden fees
Know up front what you'll owe, with no hidden costs and no surprises.
Convenient financing without the hassle
With two easy ways to stay connected to your financing plan, Affirm.com and the Affirm app, you can keep a pulse on your payments so that you always know where you stand financially.
When financing makes sense
Whether planned or unexpected, when you have a large purchase to make there are many factors that go into deciding whether or not to apply for a finance plan. Maybe you are debating whether or not it makese sense to save up and purchase it when you have the full amount, maybe you have the ability to purchase the product and don't want that hitting your budget in one lump sum, or perhaps you'd simply prefer to finance the purchase so that you won't be as impacted financially.
Your purchasing decisions are yours alone, and we want you to be comfortable understanding the pros and cons of why financing makes sense in certain situations.
For unexpected large purchases that you need quickly and have not budgeted for, such as a wheelchair ramp for a loved one, financing removes the financial barrier to allow you to get the product you need quickly and start using it immediately.
Example:
| MONTH | SAVING UP OVER TIME | TOTAL $/M | PAYMENT PLAN | TOTAL $/M |
|---|---|---|---|---|
| 1 | Saved up $200; order not placed yet | $0 | Made purchase & paid initial $200; start using product | $200 |
| 2 | Saved up $400; order not placed yet | $0 | $200 Payment; still using product | $400 plus interest |
| 3 | Saved up $600; order not placed yet | $0 | $200 Payment; still using product | $600 plus interest |
| 4 | Saved up $800; order not placed yet | $0 | $200 Payment; still using product | $800 plus interest |
| 5 | Saved up $1,000; order placed & received | $1,000 | Paid off total amount of $1,000; still using product | $1,000 plus interest |
| Totals | Product enjoyed for less than a month | $1,000 | Product enjoyed for almost 5 months | $1,000 plus interest |
You only pay a fixed monthly cost; no hidden fees ever
Affirm shows you ahead of time what your real payment each month will be, including interest, so that you can plan for the exact expense and never worry about getting hit with an unexpected fee.
Affirm's Adaptive Checkout™ technology shows you personalized payment options that are tailored to each purchase; from four interest-free payments every two weeks to longer installments up to 36 months.
It's a simple process at checkout
- Add what you need to your cart and navigate to the checkout.
- At checkout, click on See if you qualify. You'll be prompted to enter a few pieces of information for a real-time decision on if your qualify for Affirm financing on your order.
- If you qualify, you'll choose the pay-over-time plan that best suits your monthly budget requirements. You will never have to pay more than you agree to up front.
- Complete checking out, and you'll be set up to start paying over time at Affirm.com or in the Affirm app. You'll get email and text reminders each month to make it easy to stay on track.
FAQs
Affirm is a financing alternative to credit cards and other credit payment products. Affirm offers real-time financing for purchases online. With Affirm, you can buy and receive your purchase now, and pay for it in fixed monthly installments.
Here is what Affirm offers:
- Buy and receive your purchase now, and pay for it over time. This allows you to split up the price of your purchase into fixed payment amounts that fit your monthly budget.
- If Affirm approves you for a loan, Affirm discloses your loan terms before you make your purchase. You’ll know exactly how much you’ll owe each month, the number of payments you must make, and the total amount of interest you’ll be paying over the course of the loan. Affirm does not charge hidden fees.
- The application process is secure and in real-time. Affirm asks you for a few pieces of information. After you provide this information, Affirm will notify you of the loan amount you’re approved for, the interest rate, and the number of months you will have to pay off your loan, all within seconds.
- You don’t need to have a credit card to make a purchase. Affirm lends to its partners directly on your behalf.
- Affirm bases its loan decision not only on your credit score, but also on several other data points about you. You may be eligible for Affirm financing even if you don’t have an extensive credit history.
- Affirm will send you email and SMS reminders in advance of your upcoming payment. You can also enable “Autopay” to schedule automatic monthly payments on your loan.
Here are the steps in the Affirm loan application process:
- Select to pay with Affirm at checkout.
- Affirm will prompt you to enter a few pieces of information – your name, email, mobile phone number, date of birth, and the last four digits of your social security number. Please ensure that all of this information is your own and is consistent information otherwise you may experience difficulty with your checkout.
- To ensure that you’re the person making the purchase, Affirm will send a text message to your cell phone with a unique authorization code.
- Enter the authorization code into the application form.
- Within a few seconds, Affirm will notify you of the loan amount you’re approved for, the interest rate, and the number of months you will have to pay off your loan. You will have the option to choose to pay off your loan over time. Affirm will also state the amount of your fixed, monthly payments and the total amount of interest you’ll pay over the course of the loan.
- If you would like to accept Affirm’s financing offer, click “Confirm Loan” and you’re done.
Affirm will ask you for a few pieces of personal information – your name, email, mobile phone number, date of birth, and the last four digits of your social security number. Affirm uses this information to verify your identity, and to make an instant loan decision. Affirm will base its loan decision not only on your credit score, but also on several other data points about you. This means you may be able to obtain financing from Affirm even if don’t have an extensive credit history.
Yes, Affirm will perform a credit check as part of their pre-approval process. Please note that this will not affect your credit score.
Please contact Affirm via email at help@affirm.com, Affirm will notify you of the reason(s) for the decision via email.
Before each payment is due, Affirm will send you reminders via email and SMS that will include the installment amount that is coming due and the due date. You can also sign up for autopay so you don’t risk missing a payment.
Please follow these steps to make a payment:
- Go to www.affirm.com/account
- You will be prompted to enter in your mobile number where you will be sent a personalized security pin.
- Enter this security pin into the form on the next page and click “Sign In.”
- You don’t need to have a credit card to make a purchase. Affirm lends to its partners directly on your behalf.
- You’ll now see a list of your loans and payments coming due. Click on the loan payment you would like to make.
- You can make a payment utilizing a debit card or ACH bank transfer.
Affirm loans vary between 0% APR and 30% APR simple interest. The corresponding finance charge is the only fee associated with an Affirm loan. Affirm does not charge late fees, service fees, prepayment fees, APR penalties or any other hidden fees for a late payment. They strive to always be more transparent and fair than any other form of financing.
An item bought with Affirm is subject to the same Return Policy as any other Discount Ramps product. Please read our full Return Policy for complete information, and be aware that certain items are, due to their size or nature, non-returnable. That information is noted on the item's product page.
Absolutely, you are more than welcome to pay off your purchase early. Affirm is designed with customers in mind and we want you to have ownership over your budget.