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Affirm Overview and Application Process
What is Affirm?
Why buy with Affirm?
  • If Affirm approves your loan, you'll see your loan terms before you make your purchase. See exactly how much you owe each month, the number of payments you must make, and the total amount of interest you’ll pay over the course of the loan. There are no hidden fees.
  • 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.
  • You don’t need a credit card to make a purchase. Affirm lends to the merchant directly on your behalf.
  • You may be eligible for Affirm financing even if you don’t have an extensive credit history. Affirm bases its loan decision not only on your credit score, but also on several other data points about you. 
What is required to have an Affirm account?
To sign up for Affirm, you must:
How does Affirm work?
Affirm loan-application process steps:
  1. At checkout, choose Pay with Affirm.
  3. To ensure that you’re the person making the purchase, Affirm sends a text message to your cell phone with a unique authorization code.
  4. Enter the authorization code into the application form. Within a few seconds, Affirm notifies you of the loan amount you’re approved for, the interest rate, and the number of months you have to pay off your loan. You have the option to pay off your loan over three, six, or twelve months. Affirm states the amount of your fixed, monthly payments and the total amount of interest you’ll pay over the course of the loan.
  5. To accept Affirm’s financing offer, click Confirm Loan and you’re done.   
After your purchase, you’ll receive monthly email and SMS reminders about your upcoming payments. You can also set up autopay to avoid missing a payment.  Your first monthly payment is due 30 days from the date that we (the merchant) processes your order.
How does Affirm approve borrowers for loans?
  • Affirm verifies your identity with this information and makes an instant loan decision. 
  • Affirm bases its loan decision not only on your credit score, but also on several other data points.  This means that you may be able to obtain financing from Affirm even if don’t have an extensive credit history.
Does Affirm do a credit check, and how does it impact my credit score?
Affirm does a “soft” credit check, which verifies the customer's identity but does not affect a customer’s credit score. Affirm's underwriting model does not use a hard credit check. There is no effect on a consumer's credit score when they apply for an Affirm loan. 
Why was I denied financing by Affirm?
The merchant 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 asked to verify my identity?
Why was I prompted to enter my income?
Why was I prompted for my checking account?
If Affirm asks you to link your checking account, Affirm won’t be able to offer you credit if:
1) Your bank is not listed
2) You choose not to link your checking account
3) You don’t use online banking
4) The username and / or password you provide is incorrect
5) You're unable to successfully connect your checking account
Why is my bank not listed?
Although Affirm is continually adding support for additional banks, they aren’t able to connect to every bank at the present time. We apologize for the inconvenience. If you’re unable to connect your bank, you’ll need to complete your purchase with another payment method.
Why was I prompted for a down payment?
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.
Why can't customers outside the U.S. use Affirm?

Interest Rates and Fees

What are Affirm’s fees?
The annual percentage rate (APR) on an Affirm loan ranges from 0% to 30%. Affirm discloses any required fees upfront before you make a purchase, so you know exactly what you will pay for your financing. Affirm does not charge any hidden fees, including annual fees.  
Why is my Affirm interest rate so high?
How is interest on an Affirm loan calculated?
Affirm calculates the annual percentage rate (APR) of a loan using simple interest, which equals the rate multiplied by the loan amount and by the number of months the loan is outstanding. 
This model differs from compound interest, in which the interest expense is calculated on the loan amount and the accumulated interest on the loan from previous periods. Think about compound interest as “interest on interest,” which can increase the loan amount. Credit cards, for example, use compound interest to calculate the interest expense on outstanding credit card debt.

Making Payments and Refunds

How do I make my payments?
Follow these steps to make a payment:
  1. Go to
If I return an item, how do refunds work?
A refund credit appears in your account within three to ten business days, depending on your bank’s processing time.
Am I able to obtain a refund after my purchase?
Refunds can be processed up to 365 days from the date your order is placed.