Why Choose Affirm Financing?
Buy now and pay over time with 0% APR financing on qualifying purchases. Affirm allows you to split your purchase into fixed monthly payments that fit your budget.
- Purchases under $2,000 may qualify for 0% APR financing for up to 12 months.
- Purchases over $2,000 may qualify for 0% APR financing for up to 24 months.
- Example: A $499 purchase may be split into $41.58/month for 12 months at 0% APR.
- Example: A $2,460 purchase may be split into $102.50/month for 24 months at 0% APR.
All financing is subject to approval.
If approved, you'll see clear loan terms before you complete your purchase—no hidden fees.
How Does Affirm Work?
- Choose Affirm at Checkout – Select Pay with Affirm when placing your order.
- Enter Your Information – Provide basic details: name, email, mobile number, date of birth, and last four digits of your SSN.
- Secure Verification – Affirm will send a verification code to your mobile phone.
- Instant Approval Decision – Get an immediate decision, including your loan amount, term length, and interest rate.
- Confirm Your Loan – Accept the terms and complete your purchase.
- Make Monthly Payments – Receive email and SMS reminders before payments are due. You can also enable AutoPay.
What You Need to Apply for Affirm
- Be a U.S. resident (including U.S. territories)
- Be 18 years or older (19+ in Nebraska)
- Have a Social Security Number
- Own a U.S.-registered mobile phone that receives SMS
Affirm Approval Process
- Affirm evaluates multiple factors beyond credit score.
- A soft credit check is performed, which does not impact your credit score.
- Even if you have limited credit history, you may still qualify.
FAQs
Does Affirm perform a credit check?
Yes, but it's a soft inquiry that does not impact your credit score.
Why was I denied financing?
Affirm bases decisions on multiple factors. If denied, you’ll receive an email with details. The decision is final.
Why was I asked for more verification?
Affirm may require additional verification, including your full SSN or a photo ID, to confirm your identity and prevent fraud.
Why was I prompted for income or bank details?
Affirm may request your income or a bank account link to assess repayment ability. Affirm does not store banking login credentials.
Why was I asked for a down payment?
In some cases, Affirm may require a down payment via debit card before finalizing your loan.
Will I see my total interest before accepting the loan?
Yes! Affirm is transparent about all financing terms. If you pay off your loan early, you may receive an interest rebate for unaccrued interest.
Is Affirm available outside the U.S.?
No, Affirm is currently available only to U.S. residents.
Your rate may be 0% APR based on credit approval and eligibility. Payment options are provided by Affirm’s lending partners. For details, visit affirm.com/lenders.