Paying with Affirm
Payment options are offered by Affirm and are subject to an eligibility check. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lender license. For licenses and disclosures, see affirm.com/licenses. “Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Your rate will be 0% APR or 10–36% APR based on credit, and is subject to an eligibility check. Affirm Pay in 4 payment option is 0% APR. Options depend on your purchase amount, may vary by merchant, and may not be available in all states. A down payment may be required. ”
How can I finance my purchase with Affirm?
Affirm Loan-Application Process Steps:
1. At checkout, choose Pay with Affirm
2. Affirm prompts you to enter a few pieces of information: Name, email, mobile phone number, date of birth, and the last four digits of your social security number. This information must be consistent and your own!
3. To ensure that you're the person making the purchase, Affirm sends a text message to your cell phone with a unique authorization code.
4. Enter the authorization code into the application form. Within a few seconds, Affirm notifies you of the loan amount you're approved for, the interest rate, and the number of months you have to pay off your loan. You have the option to pay off your loan over three, six, or twelve months. Affirm states the amount of your fixed, monthly payments and the total amount of interest you'll pay over the course of the loan.
5. To accept Affirm's financing offer, click Confirm Loan and you're done.
If you have any more questions about how Affirm works, visit https://www.affirm.com/how-it-works
Why Buy With Affirm?
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 bill.
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 the 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.
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 uses 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.