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Affirm is a financing alternative to credit cards and other credit-payment products. Affirm offers instant decision financing for online purchases if approved to be paid in fixed monthly installments over 3, 6, or 12 months.

• Buy and receive your purchase right away, and pay for it over several months if approved. This payment option allows you to split the price of your purchase into fixed payment amounts that fit your monthly budget.
• If Affirm approves your loan, you'll see your loan terms before you make your purchase. See exactly how much you owe each month, the number of payments you must make, and the total amount of interest you'll pay over the course of the loan. There are no hidden fees.
• The application process is secure and real-time. Affirm asks you for a few pieces of information. After you provide this information, Affirm notifies you of the loan amount that you're approved for, the interest rate, and the number of months that you have to pay off your loan -- all within seconds.
• You don't need a credit card to make a purchase. Affirm lends to the merchant directly on your behalf.
• You may be eligible for Affirm financing even if you don't have an extensive credit history. Affirm bases its loan decision not only on your credit score, but also on several other data points about you.
• Affirm reminds you by email and SMS before your upcoming payment is due. Enable Autopay to schedule automatic monthly payments on your loan.

To sign up for Affirm, you must:

• Be 18 years or older (19 years or older in Alabama or if you're a ward of the state in Nebraska).
• Not be a resident of Iowa (IA) or West Virginia (WV).
• Provide a valid U.S. or APO/FPO/DPO home address.
• Provide a valid U.S. mobile or VoIP number and agree to receive SMS text messages. The phone account must be registered in your name.
• Provide your full name, email address, date of birth, and the last 4 digits of your social security number to help us verify your identity.

Affirm loan-application process steps:

• At checkout, choose Pay with Affirm.
• 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.
• To ensure that you're the person making the purchase, Affirm sends a text message to your cell phone with a unique authorization code.
• Enter the authorization code into the application form. Within a few seconds, Affirm notifies you of the loan amount you're approved for if you're approved, 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.
• To accept Affirm's financing offer, click Confirm Loan and you're done.

After your purchase, you'll receive monthly email 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 we (the merchant) processes your order.

• Affirm asks for a few pieces of personal information: Name, email address, mobile phone number, date of birth, and the last four digits of your social security number.
• Affirm verifies your identity with this information and makes an instant loan decision.
• Affirm bases its loan decision not only on your credit score, but also on several other data points. This means that you may be able to obtain financing from Affirm even if don't have an extensive credit history.

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. Paying on time can help you build a positive credit history.

The merchant has no information regarding a customer's financing denial. Affirm strives to offer all credit-worthy applicants financing with Affirm, but isn't able to offer credit in every case. Affirm will send you an email with more details about its decision. Unfortunately Affirm's decision is final.

If Affirm has difficulty confirming your identity, you may need to provide more information. Affirm uses modern technology to confirm your identity, including verifying your address or full SSN, or requesting a photo of your ID. Affirm takes these steps in some cases to counter fraud and provide the most accurate credit decision they can.

Affirm may sometimes need more information about your finances and your ability to repay in order to make a credit decision. Your income gives Affirm additional insight into your ability to repay.

Affirm may sometimes need more information about your finances and your ability to repay in order to make a credit decision. If you are prompted to link your checking account and would like to proceed, please provide the login information for your online bank account. Affirm does not store your online login credentials---they are transmitted securely to your bank.

If Affirm asks you to link your checking account, Affirm won't be able to offer you credit if:

• Your bank is not listed
• You choose not to link your checking account
  You don't use online banking
  The username and / or password you provide is incorrect
  *You're unable to successfully connect your checking account

Although Affirm is continually adding support for additional banks, they aren't able to connect to every bank at the present time. We apologize for the inconvenience. If you're unable to connect your bank, you'll need to complete your purchase with another payment method.

Affirm isn't always able to offer credit for the full amount you request. In these cases, Affirm asks you to make a down payment with a debit card for the remainder of your purchase. The down payment amount can't be changed and must be made upon confirming your loan and before the loan offer expires.

Yes! Affirm works hard to be completely transparent. You'll see the amount of interest you'll owe on the terms page and again on the loan confirmation page. If you pay off your loan early, you'll receive a rebate for any interest that hasn't yet accrued.

Affirm is available only to shoppers residing in the United States. Affirm hopes to expand its services to customers outside the U.S. in the future.

Interest Rates and Fees

The annual percentage rate (APR) on an Affirm loan ranges from 10% to 36%. Affirm discloses any required fees upfront before you make a purchase, so you know exactly what you will pay for your financing. Affirm does not charge any hidden fees, including annual fees.

When Affirm determines your annual percentage rate (APR), it evaluates a number of factors, including your credit score and other data about you. If you finance future purchases with Affirm, you may be eligible for a lower APR depending on your financial situation at the time of purchase.

This APR calculator will give you an idea of how much interest you actually pay:
https://www.affirm.com/apr-calculator/

When you consider Affirm financing, carefully evaluate the loan terms that Affirm offers you and determine whether the monthly payments fit your budget.

Affirm calculates the annual percentage rate (APR) of a loan using simple interest, which equals the rate multiplied by the loan amount and by the number of months the loan is outstanding.

This model differs from compound interest, in which the interest expense is calculated on the loan amount and the accumulated interest on the loan from previous periods. Think about compound interest as "interest on interest," which can increase the loan amount. Credit cards, for example, use compound interest to calculate the interest expense on outstanding credit card debt.

Making Payments and Refunds

Before each payment is due, Affirm sends you an email or SMS reminder with the installment amount that is coming due and the due date. You have the option to sign up for autopay, so you don't risk missing a payment.

Follow these steps to make a payment:

• Go to www.affirm.com/account.
• Enter your mobile phone number. Affirm sends a personalized security PIN to your phone.
• Enter this security PIN into the form on the next page and click Sign in.
• After you sign in, a list of your loans appears, with payments that are coming due. Click the loan payment you would like to make.
• Make a payment using a debit card or ACH bank transfer.

A refund posts to your Affirm account if we process your refund request. In the event that we issue you store credit instead of a refund, you are still responsible for paying off your Affirm loan.

If you have already made loan payments or a down payment, Affirm issues 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.