What is Affirm?

Affirm is a straightforward and accessible financial service that enables you to make purchases and pay for them over time. With Affirm, you can break down the cost of your purchases into manageable monthly payments, offering you greater flexibility and control over your budget. This simple and transparent payment method is designed to make shopping with us more affordable and convenient for everyone.

Affirm Overview and Basics

Affirm is a financial technology company that offers point-of-sale financing solutions. 

It allows customers to make purchases at participating online and in-store retailers and pay for them over time through fixed monthly payments. It’s a buy now, pay later service that provides an alternative to traditional credit cards.

Affirm is not a credit card company but rather a loan provider. 

It offers installment loans to customers to facilitate purchases, allowing them to pay for items in fixed installments over a specified period.

Account and Application

You can apply for an Affirm account during the checkout process at participating retailers. 

Affirm will ask for some basic personal information, and you will receive a decision regarding your eligibility for financing within seconds.

Affirm typically requires your name, date of birth, mobile phone number, and the last four digits of your Social Security number for the application process. 

The information required may vary based on the specific purchase and your creditworthiness.

Financial Terms and Conditions

Affirm offers loans with interest rates that can vary based on your creditworthiness and the specific terms of the loan. 

Interest rates typically range from 0% to 30% APR (Annual Percentage Rate). The exact rate you receive will be provided during the application process.

Affirm may charge late fees or other finance charges for missed payments or delinquent accounts. 

These fees can vary, so it’s important to review the terms and conditions provided during the application process.

Usage and Acceptance

Yes, you can use Affirm for both online and in-store purchases, depending on the retailers that accept Affirm as a payment method. 

Many online stores offer Affirm as a payment option during the checkout process, and some physical retailers also accept it.

We accept Affirm, but the list of stores and websites that also accept it may change. 

To find out which specific retailers and websites accept Affirm, you can visit Affirm’s official website or check with the retailer directly during the checkout process. They will often display the Affirm logo or payment option if it’s available.