Affirm is a financing alternative to credit cards and other credit payment products. Affirm offers instant financing for purchases online. With Affirm, you can buy and receive your purchase now, and pay for it in fixed monthly installments up to 24 months. For more information, and FAQs, click here.

To pre-qualify, simply create an Affirm account with your name, email, mobile phone number, birthdate and the last four digits of your SSN. Affirm uses this information to verify and protect your identity.

Here are the steps in the Affirm loan application process:

• Select Affirm as the payment option at checkout.

• Affirm will prompt you to enter a few pieces of information – your name, email, mobile phone number, date of birth, and the last four digits of your social security number. Please ensure that all of this information is your own and is consistent, otherwise, you may experience difficulty with your checkout.

• To ensure that you’re the person making the purchase, Affirm will send a text message to your mobile phone with a unique authorization code.

• Enter the authorization code into the application form. Within a few seconds, Affirm will notify you of the loan amount you’re approved for, any interest rates associated with your loan, and the number of months you have to pay off your loan. Affirm does not charge late fees, service fees, prepayment fees, APR penalties or any other hidden fees.

• If you would like to accept Affirm’s financing offer, continue to complete your purchase by confirming your loan details.

• Going forward, you’ll get monthly email and SMS reminders about your upcoming payments. You can also set up autopay to avoid missing a payment. Your first monthly payment will be due 30 days from the date we the merchant complete processing your order.

Yes. To verify your information and determine financing eligibility, Affirm performs a ‘soft’ credit check which will not affect your credit score.

Yes. Affirm encrypts sensitive data including Social Security numbers. Affirm also maintains physical, electronic, and procedural safeguards to protect your information. Affirm will not sell or rent your information to anyone.

A refund will post to your Affirm account once we process your returns. In the event that you return only part of your order, the amount of the merchandise that you returned and applicable taxes and fees will be refunded to your Affirm account, and you will be responsible for paying off the remainder of your Affirm loan. If you have already made loan payments or a down payment, Affirm will issue you a refund credit to the bank account or debit card that you used to make the payments. You should see a refund credit within 3-10 business days, depending on your bank’s processing time. Please note that orders paid for using Affirm cannot be refunded in site credit.