The Financing Process, Step by Step
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A look at the step by step process when checking out with Affirm. After a few basic questions you will be ready to finance your new favorite jewelry. The process starts in “Payment” portion of your check out process and the rest of your transaction will take place through the Affirm website!
Depending on your credit profile, your purchase may qualify for full or partial financing at rates between 10-30% APR. Example: $43.96/mo. based on a purchase price of $500.00 at 10% APR for 12 months Prequalify Now! There are no hidden fees or surprises.
The rate and total cost of the financing are clearly stated during the application process letting you know exactly what you’ll owe before you commit. Checking your eligibility will not affect your credit score.
When choosing Affirm financing in the shopping you will be redirected to Affirm to complete your purchase. It’s quick and easy to get a real-time decision. You will need to enter a few basic pieces of information in order to check eligibility or get approved.
The process is streamlined and secure, giving you full control over the terms that fit your needs. SIMPLE CHECKOUT Checkout is easy with Affirm. Just enter some basic information for an instant loan decision.
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Pick a loan that fits your budget, choose to pay off your purchase over 3.
What information does Affirm require?
When you select Affirm as your payment method, you'll answer a series of short questions to create your Affirm account. They will use your name, email, mobile phone number, birthday, and the last 4 digits of your SSN. This combination helps Affirm verify and protect your identity.
How do I pay my bills?
You can pay your Affirm bills online at www.affirm.com/pay. They accept payment by debit card, bank transfer, and check.
Does Affirm perform a credit check?
When you first create an Affirm account, Affirm performs a 'soft' credit check to help verify your identity and determine your eligibility for financing. This 'soft' credit check will not affect your credit score. If you decide to buy with Affirm, your loan and payments may affect your credit score. Paying on time can help you build positive credit history.
Why was I prompted to pay a down payment with a debit card?
Affirm tries hard to approve every purchase but sometimes can't approve the full amount. When this happens, Affirm provides a debit card down payment option so that you may still complete your purchase right away.
Why was I prompted for a checking account?
Affirm sometimes needs more information about your financial situation to evaluate your loan application. They may ask you to link your online checking account, which helps determine your ability to repay a loan. If you are prompted to link your checking account and would like to continue with the application process, you may link your account by providing the login information for your online bank account. Affirm does not store your online banking login information - they simply pass your login credentials to your bank via a secure service linking your checking account. Linking your checking account DOES NOT authorize Affirm to debit your account. It only allows them to determine your ability to pay.
Why is the Affirm payment method disabled for me?
The Affirm method is disabled when you backorder items that are out of stock. Additionally, due to state law, West Virginia and Iowa residents are unable to use Affirm financing at this time.