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Affirm Monthly Financing

 

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We’ve partnered with Affirm to offer qualified applicants a way to pay for purchases in low monthly payments with no hidden fees. Using Affirm you can pay for your purchase in easy, fixed monthly payments (with standard terms of 3, 6, or 12 months) with rates ranging 0--30% APR.

 

affirming financing

 

Affirm's online signup process is very simple, your information is secure, and there is no hard credit inquiry. Once you finish providing your information, you'll get an instant credit decision from Affirm.

  • Easy monthly payments: Provide some basic information and get a real-time credit decision to split your purchase into monthly payments. Rates from 0% to 30% APR with loans of 3, 6, or 12 month terms.
  • Flexible repayment: Simply pay your monthly bill using a debit card, bank transfer at affirm.com/pay.

 

 

FREQUENTLY ASKED QUESTIONS

What is Affirm?

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

 

Why buy with Affirm?

Buy and receive your purchase right away, and pay for it over several months. This payment option allows you to split the price of your purchase into fixed payment amounts that fit your monthly budget. 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.

 

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.

 

Why was I denied financing by Affirm?

eCTURE 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.

 

Why was I prompted for a down payment?

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.

 

Will I see how much interest I am paying prior to accepting my loan?

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.

 

If I return an item, how do refunds work?

A refund posts to your Affirm account if we process your refund request. 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. We do not refund any paid interest.

 

How long does it take to get my money back in the event of a return?

A refund credit appears in your account within three to ten business days, depending on your bank's processing time.

 

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.

 

 Learn more at www.affirm.com and www.affirm.com/help for details.

 

 

 

 

Subject to credit check and approval. Down payment may be required. For purchases under $150, limited payment options are available. Estimated payment amount excludes taxes and shipping fees. Paid interest is non-refundable. Affirm loans are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Celtic Bank, Member FDIC, or Affirm Loan Services, LLC. See www.affirm.com/faqs for details.