Affirm

Customer Support:
Phone: (855) 423-3729 available from 7 AM to 7 PM CST
Email: [email protected]
Docs: affirm.com/help

How to buy with Affirm

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STEP 1

Go shopping

Shop your favorite stores online or in-store and pay later with Affirm. You’ll see us at checkout, or you can request a virtual card in the Affirm app.

STEP 2

Choose your payment terms

You’re in control. Pick the payment option that works for you and your budget—from 4 interest-free payments every 2 weeks to monthly installments.

Affirm - AC Payment
Affirm -
STEP 3

Make your payments

Manage your payments in the Affirm app or online, and set up AutoPay so you don’t miss a payment. But if you do, you’ll never pay any fees.

FAQ

Introduction to Affirm

What is Affirm?

Affirm strives to keep you out of unhealthy debt by facilitating fair, transparent credit so you can pay over time for the things you love. We offer affordable monthly payments at a pace you choose—usually 3, 6, or 12 months—so you’re in control. From day one, you know how long you’ll pay, and you know how much you’ll pay because we never charge late fees or other hidden fees. 

Affirm products

Installments over 3, 6, or 12 months

At partner stores, you can choose Affirm as a payment method during checkout and seamlessly apply for a loan to pay for your items right then. You can choose to spread your payments out, typically over 3, 6, or 12 months (or more), to pay for your purchase with manageable payments that work with your budget.

4 interest-free payments

Depending on the merchant and your order value, you can make 4 equal payments, every two weeks, so you pay your purchases off quickly with no impact on your credit.

Virtual card

To pay with Affirm at other merchants, you can apply for a loan at affirm.com or in the Affirm app, and you’ll get a virtual card you can use at most stores, both online and in brick-and-mortar stores. It works like a credit card—just choose to pay by credit card at checkout, then enter your virtual card number.

Affirm Savings account

Affirm also works with Cross River Bank, Member FDIC, to provide interest-bearing savings accounts with no minimum deposit requirements and no fees. After you securely link your bank account to your Affirm savings, you can transfer money into your account. However, you may not make more than six withdrawals or transfers from your account during any monthly statement cycle. 

 

Interest and no fees

We don’t charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account.

Your APR may be different depending on your creditworthiness and where you are shopping. The exact terms that apply to your purchase will be given when you check out with Affirm.

Interest

At checkout, Affirm always shows the total amount of interest you’ll pay and you will never be charged more than that. This way, you always know what you’re getting into. If you pay faster than agreed, you might be charged less! 

No fees

With Affirm, there are no late fees, service fees, prepayment fees, or any hidden fees.

How do I create an Affirm account?

Create an account

You can sign up at a Crossed Industries, at affirm.com, or in our app.

When you sign up at a partner store, you automatically find out if you’re eligible to make a purchase with Affirm. This extra step doesn’t affect your credit score.

Mobile number required

You need a mobile phone number from the US or US territories. This helps us verify it’s really you who is creating your account and signing in.

When you create your account, we’ll ask for your mobile number. Each time you sign in, you’ll enter your number, and we’ll text you a verification code. Please note that Affirm will never call, email, or text to request your verification code so never share it with anyone else.

Later, if you get a new mobile number, it’s no problem to update your Affirm account. Just get in touch right here

Sign up online

  1. At checkout, select Affirm as your payment method.
  2. Follow the prompt to enter your mobile number. Select Continue.
  3. Type your full legal name and your email address.
  4. Type your date of birth and the last 4 digits of your Social Security number.
  5. Select Create account.
  6. See your purchase decision.

Sign up on affirm.com

  1. Click Create account at affirm.com.
  2. Type your full legal name.
  3. Type your mobile number and your email address.
  4. Type your date of birth and the last 4 digits of your Social Security number.
  5. Click Create account.

Sign up in the mobile app

  1. Download the free Affirm app from the App Store (iOS) or the Google Play Store (Android).
  2. Follow the prompt to enter your mobile number. Select Next.
  3. Enter your full legal name and your email address.
  4. Enter your date of birth and the last 4 digits of your Social Security number.
  5. Select Create account.
Availability and Restrictions

Where is Affirm available?

Loans offered through Affirm are available in the U.S. and all U.S. territories.

Can I use Affirm to buy anything?

Almost! Millions of stores accept our virtual card as payment, so you can buy many different things. But there are some exceptions.

You can’t use loans through Affirm for:
 

  • Illegal items and activities
  • Weapons, including firearms, ammunition, certain firearm parts or accessories, and certain knives or other weapons regulated under applicable law
  • Narcotics and drug paraphernalia
  • Currency, including cryptocurrency
  • PayPal, Venmo, and other money transfer services
  • Cash advances
  • Loan and credit card payments
  • Other goods or services Affirm or its Bank Partners deem unacceptable

We go into more detail in our Terms of Service, so please take a look there, too.

Report unauthorized activity

If fraud occurs on your account, you’re protected. We investigate claims of unauthorized activity, and will make sure you’re not held responsible for any purchases we find are not authorized. 

Reporting to credit bureaus

There are certain types of loans that will not include credit reporting to Experian. For instance, Affirm will not report a loan to Experian if the loan is 0% and 4 biweekly payments or you were only offered one option at application of a three month payment term with 0%.

For other loans, Affirm may report your payment history to Experian. Please be aware, Affirm may report loans with delinquent payments, which may have an impact on your credit.
 

How might using Affirm affect my credit score?

These things won’t affect your credit score:

  • Creating an Affirm account
  • Seeing if you prequalify


These things may affect your credit score:

  • Your payment history with Affirm
  • How much credit you’ve used
  • How long you’ve had credit
  • Making late payments

When will my payment history appear on my credit report?

If your loan includes furnishing, payments may take 30-60 days to appear on your credit report, depending on the date your payment was made and the date it was reported to Experian. 

If you need immediate repayment confirmation, please let us know and we would be happy to provide a loan verification document. To find out if your loan includes furnishing, please see your Agreement. 

Coronavirus impact

What should I do if I’ve been impacted by the coronavirus?

Many of our customers are facing unprecedented challenges right now, and we’re sorry to hear you’ve been impacted. Please know that we care about you and your financial well-being, and we’re on your side—this is why we built Affirm. You can continue to count on us for transparency and no late fees.

Stay informed

As the coronavirus situation continues to evolve, stay up to date with the latest guidance from the CDC and the IRS

What if I need to cancel my purchase?

To cancel a purchase, please reach out directly to the store where you made your purchase. Since many stores are experiencing a high volume of customer service requests, we encourage you to check their website for any coronavirus-specific policies that amend their normal cancellation or refund options.

After your cancellation or refund has been processed by the store, it will be reflected on your loan balance.

Does this apply to travel reservations?

Yes, this policy also applies to travel reservations. Please reach out to the travel company you booked with for your refund. After you receive your refund, it will be reflected on your loan balance.

Please note that some travel companies are currently taking 6–8 weeks longer than average to process refunds.

Submit A CCPA privacy request

The California Consumer Privacy Act (CCPA) lets California residents opt-out of marketing, request a copy of any data we have on file about you, request that we delete this data, and opt-out of having your data sold to third parties. (Note that we never sell your personal data.)
 

Due to financial regulations, we aren’t able to delete some data related to your account or loans you’ve taken out with Affirm. But we can delete tracking and cookie data.

Please contact Affirm for this request.

Shop and pay over time

Approve and declined loans

When you apply for a loan with Affirm, a number of factors are taken into consideration including eligibility requirements, your individual history, and individual store policies:
 

Eligibility requirements

Affirm customers must:
 

  • Be a resident of the U.S. (including U.S. territories)
  • Be a minimum age of 18 (19 in Alabama or if you’re a ward of the state in Nebraska)
  • Have a Social Security number
  • Own a phone number that receives SMS and is registered to the United States or U.S. territories

 

Individual history

 
Your loan application may be affected by any or all of the following:
 

  • Your credit score
  • Your payment history with Affirm, including overdue payments, deferred payment, and loan delinquency
  • How long you’ve had an Affirm account
  • The number of loans you currently have with Affirm
  • Your credit utilization
  • A verification of your income and debt obligations
  • Any recent bankruptcies

 

Store policies

Approval criteria vary by store and are subject to change, including:
 

  • The interest rate(s) offered by the store where you’re applying
  • The store’s minimum requirement or maximum allowable amount allowed
  • Restricted items (link to restrictions)

Affirm doesn’t approve every application, so you may be approved for a loan at some stores but not others, or may already have an Affirm loan but not be approved for another right now. If your application can’t be approved, we’ll send you an email explaining more about why we made the decision we did.

If your application was declined you may still be eligible at a later date. Each loan application is considered separately, and checking your eligibility doesn’t harm your credit score, so we hope you’ll give us another chance in the future. 

If you still have questions on why your loan was not approved, please fill out the form below. Given the sensitive nature of the information associated with applications, our customer care team may be able to provide you with additional information but will not be able to change the outcome of the application, provide specific details as to why you were declined, or suggest changes in order to get approved.

If you have more questions on how Affirm stores and processes your information, we go into more detail in our Privacy Policy.

Term lengths

Our loans usually last 3, 6, or 12 months, and you get to pick from these options when you apply. There are exceptions to this, so please read on.

Longer (or shorter) options

For really large loans, you might get an option for up to 48 months. For much smaller loans, you may get 1–3 months, without the option to pay over a longer period.

Changing the options

Your options change depending on the store, your purchase, and your current credit profile. So if you don’t like your options this time around, you can also try again later for something else.

How to find the term length

No matter what, we’ll always be upfront about how long you have to pay us back. We’ll show you the loan’s length when you apply. And we’ll continue to show this and other important details on your Affirm account.

View Your Loan Terms on the App

  1. Sign in to your account.
  2. Go to the Manage tab.
  3. Choose the loan you want to see the terms for.
  4. Go to the Details tab.
  5. Choose Loan terms.

View Your Loan Terms on the Web

  1. Sign in to your account at affirm.com.
  2. Go to the Pay tab.
  3. Choose the loan you want to see the terms for.
  4. Go to the Loan timeline.
  5. Choose Loan terms.
About prequalifying

When you prequalify, you get an estimate of how much you can borrow. You’re not on the hook to pay back your prequalified amount until you actually borrow it. You also don’t have to borrow the full amount.
 

Prequalified amount vs. credit limit

A prequalified amount is an estimate of what a lender may qualify you to borrow in the future.

This is different from a credit limit. A credit limit is the maximum amount of credit a lender has already decided you can borrow.

Ways to prequalify

Prequalifying just takes a minute and won’t affect your credit score. Look for the option in our app or at our partner stores. These two experiences are a bit different, so we’ll break it all down for you.

  

Prequalify in the app

The app gives you an idea of how much you can borrow through a virtual card. Later, if you request a loan and are approved, you’ll get a virtual card to use at almost any online or in-store checkout. 
 

Prequalify at partner stores

Our partner stores may give you the opportunity to prequalify while you’re on their site or in their store. This shows you how much you can borrow to use only at their store.

  

The app vs. partner stores

Keep in mind, you might prequalify in the app, but not at a partner store. Or, you may prequalify at a partner store, but not in the app.

 

That’s because these experiences work differently. Use the app to see if you prequalify almost anywhere. Visit a partner store to see if you prequalify with just that store.

 

Which should you choose?

Up to you! There’s no harm to your credit score if you try to prequalify both in the app and at a partner store.

Prequalified, but not approved

Unfortunately, we can’t guarantee you’ll get approved, even if you’re prequalified. That’s because your prequalified amount is an estimate. It may change—or go away—depending on a few different things. This includes your borrowing and payment history at Affirm and elsewhere.

 

Example

Let’s say you prequalify for a new purchase, then miss a payment on a current purchase. For the short term, you may still see that you’re prequalified. But if you go on to apply to pay over time, that missed payment may impact your ability to use Affirm.

Orders issues and refunds

Dispute a purchase

We’re sorry to hear that you’re having trouble with a purchase. If you haven’t done so already, please contact the store where you bought the item to try to resolve the issue with them. The store is usually the expert on returns, cancellations, missing orders, and damaged or defective items.
 

If you are unable to resolve an issue with the merchant 

If you have an issue with your purchase and the merchant can’t help, you can contact us to open a dispute on your behalf, as long as you made the purchase within the past 60 days. Here’s how the process works:

  • If we open a dispute, both you and the merchant have 15 calendar days to provide evidence to support your claim. 
  • After reviewing the evidence, we’ll notify you of a decision within 15 calendar days (it could be up to 90 calendar days at some merchants if you used a virtual card for the transaction).
  • While your purchase is in dispute, you’re not allowed to make payments on your loan.
  • If the dispute is resolved in your favor, we’ll refund the full amount of your purchase, minus any interest paid.
  • If we resolve the dispute in the merchant’s favor, then your original payment schedule will still apply. This means that any payments that were due during the dispute period will be immediately due.

As always, we don’t charge late fees, so you won’t end up paying more than you already agreed to upfront.

How to start your dispute with Affirm

Note: For disputes on purchases made with Debit+, see Debit+ issues and disputes.
 

  1. Log in to your account at affirm.com. (Note: this is currently available only through the affirm.com website and not through the app.)

  2. Click on the loan you’d like to dispute.

  3. If your loan is eligible, you’ll be asked a series of questions to gather information about your purchase and your dispute. We’ll ask you to upload evidence about your specific dispute.

  4. When you’re finished filling out all fields and uploading evidence, click submit.

That’s it! We’ll keep you updated on your dispute, but you can always check the status by signing in to your secure messaging portal here on the Help Center.

Note: Please do your best to fill out all fields. This will help our team resolve the issue faster. 

If you haven’t received your item 

Reach out to the store where you placed the order. They can give you any updates on processing, shipments, cancellation, returns, and refunds.
 

If you canceled an order or returned an item

If your order has not been finalized or completed yet please see order issues and cancellations

If your loan was processed and the merchant has finalized the cancellation or return, which can take up to 21 days or longer, we’ll update your Affirm account with the cancellation or loan refund, as appropriate. 

Depending on how long it takes the merchant to finalize the return, and how much is refunded, we’ll either void the loan, which means you’ll no longer see it in your Affirm account, or we’ll update your loan principal balance and payment schedule.

Note: If the merchant gives you a store credit instead of a refund you’ll still be responsible for your Affirm payments, and your payment schedule won’t change. Similarly, if the merchant charges any restocking or return fees, then you’ll be responsible for any remaining balance on your loan. For more information on how refunds are processed, please see get a refund
 

If you haven’t received your refund 

It’s normal for a refund to take a while to be reflected in your Affirm account.  Once we receive the refund from the merchant, which can take 21 days or longer, it can take 3–10 additional business days to update your account.

If you’re still being billed for a returned item

It’s normal to still get payment reminders while you’re waiting for a return to process. Merchants can take up to 21 days, and sometimes even longer, to process a return, so we can’t update your Affirm account until the merchant does their part.

You should still make any payments that come due, to avoid late payments. Rest assured that when the return is fully processed, we’ll refund the entire purchase amount of the items you returned, minus any interest you’ve paid. 

Order issues and cancellations

You’ll need to initiate any cancellations or returns with the merchant first according to their policies, then we’ll update your Affirm loan after the cancellation or return is fully processed.

If you haven’t received an order confirmation from the store

This probably means your order wasn’t fully processed by the store. To make sure, look for the purchase in your Affirm account. If it’s not there, check with the store.

If you made a down payment on an order that wasn’t processed

If your order wasn’t processed, your down payment usually won’t be processed either. However, you might see a pending hold for the down payment in your account (the one you used to make the down payment). This doesn’t mean that the down payment went through, and you’ll usually see the hold drop from your account within 7–10 business days. In other words, you won’t see a refund for the down payment because it was never processed in the first place.  

If your purchase is still processing

Right after you check out with Affirm, the store finalizes your order and prepares it for shipment. During this time, your purchase is in merchant processing.

Once the merchant finalizes your purchase, you’ll get a loan confirmation from Affirm with your final payment schedule.

Get a refund

In order to get a refund, please contact the store where you bought your item to request a refund. They can let you know if a return is possible and how much the refund will be, according to their own return policy.

Once we receive the refund, the refund amount will show up in your loan timeline within 3–10 business days, and your balance will be updated.

Making payments

While you’re waiting for your refund, please continue to make any monthly payments that are due.

Refund application

Refund is less than balance

If your refund is less than your total purchase balance, it might not lower or cover your next monthly payment. Instead, you can expect fewer monthly payments, a smaller final payment, or both.

Refund is more than balance

If your refund is more than your purchase balance, you will get back the difference, minus any interest you have paid. Affirm will credit your payment method within 3–10 business days. 

Getting a refund by check

When you get a refund for a returned purchase, Affirm refunds your money back to your original payment method. That means if you made payments by check (including money orders, MoneyGram, cashier’s check, and so on), you will receive your refund by check.

However, there are a few cases when you will get a refund by check when you originally paid with a debit card or ACH payment:
 

  • The refund was initiated 180 days or more after the original payment.
  • Your original payment method is closed or no longer active. Since Affirm cannot issue a refund to a different account, Affirm will refund by check.
  • Our payment processor is unable to process the refund back to the original payment method.

To ensure you receive your refund in a timely manner, we want to make sure your address information on file is up to date. In most instances you should expect to receive your check within 30 days of when you became eligible for the refund.

If you overpaid a loan payment, you can request a refund here. You will receive the refund by check if you made the payment by check. 
 

Refunds for paid interest

Unfortunately, we do not refund paid interest. When you make payments, the funds are first applied to the accrued unpaid interest and then the principal. Since interest is the only cost of borrowing with Affirm, it is not refundable.

Where is my refund?

To see the status of your refund:

  1. Sign in to your Affirm account.
  2. Navigate to Pay.
  3. Select your purchase.
  4. Your refund will show up as an adjustment in your purchase details.

Don’t see it? Your refund will show up within 3–10 business days.

Where is my order?

Reach out to the store where you placed the order. They can give you any updates on processing, shipments, cancellation, returns, and refunds.

When will my order ship?

Shipping typically is 1-3 business days. It can be longer if there is a holiday due to bank hours.

Why didn’t I get an order confirmation from the store?

This probably means your order wasn’t fully processed by the store. To make sure, look for the purchase in your Affirm account. If you do not see the purchase, your order did not go through.

I made a down payment

If your order wasn’t processed, you will get the down payment back. It will show up in your bank account within 10 days.

Why is my purchase still processing?

Your purchase is confirmed and good to go, even if it’s still processing.

Right after you check out with Affirm, the store finalizes your order and prepares it for shipment. During this time, your purchase is in the processing stage.

Your purchase is finalized around the same time that the store ships your order.  You will get updates from Affirm after that happens, usually within 2 business days. If your purchase was pre-ordered this might take a little bit longer since your order isn’t ready to be shipped yet. You’ll see the exact due dates for your monthly payments once we send you a confirmation email.