Financing

How do I sign up for Affirm?

There are two ways to sign up for Affirm:

Create an Affirm account at affirm.com/account in just a few easy steps; or

Select Affirm as your payment method at checkout

What is required to have an Affirm account?

To sign up for Affirm, you must:

Be a resident of the U.S. (including U.S. territories)

Be at least 18 years old (19 if you’re a ward of the state in Nebraska)

Have a Social Security number

Own a phone number that receives SMS and is registered to the United States or U.S. territories

Are there any interest or fees associated with Affirm loans?

Affirm loans vary between 10% and 36% APR simple interest (0% APR is offered at select merchants). The corresponding finance charge is the only fee associated with an Affirm loan - we don’t charge late fees, service fees, prepayment fees, or any other hidden fees. We strive always to be more transparent and fair than any other form of financing.

What are my payment options?

When you make a purchase of $100 or more with Affirm, you can pay over 6, 12 or 24 months. For purchases between $50.00–$99.99, you can pay over 3 or 6 months. Select merchants may offer different terms, including a 30-day payment option for purchases under $50. See our cost calculator to learn more.

Do I have a credit limit with Affirm?

Unlike a credit card, Affirm is not a revolving line of credit. While customers can take out multiple Affirm loans at once, each Affirm loan application is evaluated separately as a closed-end transaction. An application from a returning customer may be denied, however, if that customer has failed to repay other Affirm loans on time or if the customer shows excessive borrowing behavior.

Can i pay off my purchase early?

Yes! There's no penalty for paying early

How do I make payments?

You can make or schedule payments at affirm.com or in the Affirm app for iOS and Android

Affirm will send you email and text reminders before payments are due

Does checking my eligibility affect my credit score?

No - checking your eligibility won't affect your credit score.

Can I return an item I bought with Affirm?

Yes - you can return an item you bought with Affirm by initiating the return process with the store

Do I need a mobile number to use Affirm

Yes, you'll need a mobile phone number from U.S or U.S territories. This helps Affirm verify it's really you who is creating your account and signing in.

Where can I learn more about Affirm?

You can visit their website at affirm.com

Is my personal information secure with Affirm?

Yes, protecting your personal information is very important to us. We encrypt sensitive data including Social Security numbers. We also maintain physical, electronic, and procedural safeguards to protect your information. We do not sell or rent your information to anyone. You can read more about our Privacy Policy here.