Affirm offers clear, simple financing for your online purchases in just a few clicks:

1. Fill your cart and select the Affirm payment option on the merchant's checkout page.
2. Enter a few basic pieces of information to identify yourself. We’ll instantly notify you whether you are approved for a loan.
3. Review your payment plan details and click confirm to finalize the loan. Once you’re done, your purchase will be on its way. That's it! Just remember to pay your bills before their due dates at www.affirm.com/pay.

Affirm offers clear, simple financing for your online purchases in just a few clicks:

1. Be 18 years or older.
2. Have a valid U.S. or APO/FPO/DPO mailing address (excluding overseas territories).
3. Have a valid postpaid US mobile number that can receive SMS texts. The phone number must be registered in your name, and we cannot accept VOIP numbers at this time.
4. Provide your name, email, valid mobile number, birthday and last 4 digits of SSN to help us verify your identity.

Yes, when you first create an Affirm account, we perform a ‘soft’ credit check to help verify your identity and determine your eligibility for financing. This ‘soft’ credit check should not have an effect on your credit score. If you choose to confirm a financing offer, we will perform a ‘hard’ credit check when a merchant processes your order. This ‘hard’ credit check will have some effect on your credit score.

Affirm will not perform another ‘hard’ credit check unless you confirm another financing offer more than one year after your first Affirm loan.

Unlike a credit card, Affirm is not a revolving line of credit and we do not impose a customer credit limit like a credit card. Each Affirm loan application is underwritten separately.

Affirm loans vary between 0% and 30% APR simple interest. 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.

Cross River Bank is a New Jersey chartered bank and is the lender for all Affirm loans. Affirm then services the loans.

Please review the details of your bill at www.affirm.com/account.

If you pay off your entire loan before the final due date, you will pay interest only for the period that you borrowed the money. Affirm rebates any unearned portion of a finance charge for the remaining loan period. The total pay-off amount displayed in your Affirm account online reflects this rebate. There are no hidden penalties for paying off your Affirm loan early.

Does Affirm perform a credit check?
Affirm does a credit check to verify your identity and provide you with a financing offer when you sign up. This is a ‘soft’ credit check and will not impact your credit score. If you choose to complete a purchase and finance it with Affirm, we will do a single ‘hard’ credit check when your first order is processed by the merchant. This may have a minor impact on your credit score. For future purchases with Affirm we won’t need to check your credit again.

Why was I prompted to pay a down payment with a credit card?
We try hard to approve every purchase with Affirm but sometimes we 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 requires additional information to consider a credit application. Such information may include an active checking account, which helps us verify your identity and your ability to repay the requested loan. If we prompt you for this information but you are unable to provide it, Affirm will be unable to approve your credit application.