Affirm

What is Affirm?

Affirm is a financing alternative to credit cards and other credit-payment products. Affirm offers payment options for eligible customers to pay for their purchase over time in fixed installments, with no late or hidden fees.

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Why buy with Affirm?

Buy and receive your purchase right away, and spread payments over time. This payment option allows you to split the price of your purchase into fixed payment amounts that fit your monthly budget.



What is required to have an Affirm account?

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).
  • 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.
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Does Affirm perform a credit check? Does it impact my credit score?

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.

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Why was I denied financing by Affirm?

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.

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Why was I asked to verify my identity?

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.

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Where is Affirm available?

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

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How do I make my payments?

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.

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Where can I learn more about Affirm?

You can visit their website at Affirm.com.

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Payment options through Affirm are subject to eligibility, may not be available in all states, and are provided by these lending partners: affirm.com/lenders. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license.