What is Affirm?
An alternative to traditional credit cards, Affirm allows you to pay for items through flexible financing over a period of time. The short and simple application process requires just a couple pieces of information. In most cases, you’ll receive an immediate decision on your eligibility to purchase items with payments over a 3, 6, or 12 month time period.
Affirm only conducts a soft credit check, which won’t affect your credit score. It keeps all sensitive information encrypted and protected using security protocols. There are no late or hidden fees, and you will know the exact terms of your loan options, including APR and monthly payment amounts, so you can select what works best for you.
How does Affirm work?
Does applying for an Affirm loan affect my credit score?
Nope. The pre-qualification process uses your personal information for a "soft credit check" only, which does not affect your all important credit score.
How long does the approval process take?
It's really fast and only takes seconds after completing the application.
What happens after I'm approved?
Affirm will let you know instantly. You will have the option to choose to pay off your loan over 3, 6, or 12 months. Affirm will also state the amount of your fixed, monthly payments and the total amount of interest (if applicable) you’ll pay.
Is there interest?
0% APR is available for 3 month plans. For 6 or 12 month plans, your rate will be between 10-30% based on credit. For example, on a $500 purchase, you might pay $45.19 per month for 12 months at 15% APR. Payment options depend on your purchase amount, and a down payment may be required.
When will I get my order?
Processing on all orders takes 1-3 business days. Orders placed with Affirm may add an extra day or two, but will most likely ship within our processing window.
Can I return an item if I use Affirm?
Yes, as long as it’s not custom made or a piece that has been altered to your size specifications and preferences. Please be sure to check out our RETURNS AND REFUNDS page where our terms and conditions are outlined.
Is my personal information safe with Affirm?
Affirm takes security very seriously and encrypts all collected information - please visit their website to read the measures they've put in place.
I don't live in the U.S., can I use Affirm?
At this time, Affirm is available only to shoppers in the United States who are shipping to a U.S. address.
What if I'm having trouble with Affirm?
Affirm loans are made by Cross River Bank, Member FDIC.