Paying with Affirm

Affirm FAQs

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.

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. A refund credit appears in your account within three to ten business days, depending on your bank's processing time. However, 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.

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.”