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Affirm can report your account activity to major credit bureaus, so if you don’t pay, it could ultimately hurt your credit score and prevent you from getting approved for new loans in the future.

It can take up to 21 days for the return to be processed, and your Affirm account won’t be updated until then. You should still make any payments that come due, to avoid late payments, and once the return is fully processed, your Affirm account will be updated and any excess funds, if any, will be refunded. 

Once you have paid off your loan, you will no longer need to submit monthly payments. You can review your loan timeline at any time through your Affirm account.

Unfortunately, Affirm will not refund paid interest. When you make your payments, the funds are first applied to the accrued unpaid interest and then the principal. Since interest is the only cost of borrowing with Affirm, it is not refundable. 

Please contact Q Link Wireless to request a refund. They will let you know if a return is possible and how much the refund will be, according to their own return policy. 

Once Affirm receives the refund, the refund amount will show up in your loan timeline within 3–10 business days, and your balance will be updated. 

You can certainly pay off your loan early. There are no penalties or fees if you choose to do so, and you’ll save on any interest that hasn’t accrued yet. 

You can make or schedule your payments online at affirm.com or in the Affirm app. To make payments online at affirm.com:

1. Sign in to your Affirm account.
2. Navigate to Pay. Select the purchase you want. 
3. Click Make one-time payment.
4. Select how much you want to pay and the date you want to pay. 
5. Add or select a payment method. Click continue. 
6. Review the payment amount, method, and date. 
7. Click Submit payment. 

To make payments in the mobile app:

1. Download the free Affirm app from the App Store (iOS) or the Google Play Store (Android).
2. Sign in to your account. 
3. Navigate to Manage. 
4. Tap on the purchase you want. 
5. Choose the payment amount, date, and method. 
6. Select Pay now. 

After your purchase, you’ll receive monthly emails and SMS reminders about your upcoming payments. You can also set up Autopay to avoid missing a payment. Your first monthly payment is due 30 days from the date that Q Link Wireless processes your order. 

Protecting your data is Affirm’s top priority. All industry standards for protecting your personal information are met. Affirm’s policies safeguard the collection, use, and disclosure of your information. A variety of methods are used to keep the network secure and your data safe. You can view their privacy policy here: https://www.affirm.com/privacy.

Affirm doesn’t approve every application. You may be approved for a loan with some merchants, but not with others, or you may have received an Affirm loan in the past, but not be approved for another one right now. If your application can’t be approved, Affirm will send you an email that explains their decision. 

If your application was declined, you may still be eligible for approval in the future. Each loan application is considered separately, and since checking your eligibility doesn’t harm your credit score, applying in the future may yield a different result. 

If you still have questions on why your loan was not approved, please complete the form located at https://helpcenter.affirm.com/s/article/loan-approvals. Given the sensitive nature of the information associated with applications, Affirm’s customer care team may be able to provide you with additional information but will not be able to change the outcome of the application, provide specific details as to why you were declined, or suggest changes in order to get approved.

Although Affirm performs a credit check when you apply for a loan, this won’t impact your credit score. However, if you’re approved and decide to buy with Affirm, your loan and payments may affect your credit score, so paying on time can help you build a positive credit history. 

Affirm’s loan application process can be completed in 5 easy steps:

1. At checkout, choose Pay with Affirm. 
2. Affirm will then prompt you to enter a few pieces of information such as your name, email address, 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 will then send a text message to your cell phone with a unique authorization code. 
4. After entering 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 have to pay off your loan. You will have the option to pay off your loan over 3, 6, or 12 months. Affirm will state the amount of your fixed, monthly payments and the total amount of interest you’ll pay over the course of the loan. 
5. Finally, to accept Affirm’s financing offer, click Confirm Loan and you’re done.