Buy now, pay later.
What is Affirm?
Affirm is a financing alternative to credit cards and other credit payment products. Affirm offers instant financing for online purchases to be paid in fixed monthly installments over 3, 6, 12, or 24 months.
Does Affirm perform a credit check? Does it impact my credit score?
Although Affirm performs a credit check when you apply for a loan, this won’t impact your credit score. However, if you’re approved and decide to buy with Affirm, your loan and payments may affect your credit score. Paying on time can help you build a positive credit history.
When is my first payment to affirm due?
Your first monthly payment is due 30 days from the date that we (the merchant) processes your order.
Will I see how much interest I am paying prior to accepting my loan?
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.
How fast is the approval process?
Affirm will make a real-time decision for credit approval. Roughly - 30 seconds.
For more information please visit - Affirm FAQ
*Rates between 10-30% APR and limited offers for 0% APR available on 3-month financing terms for purchases under $2000 and 6-month financing terms for purchases over $2000 for qualified customers. Subject to credit check and approval. Down payment may be required. The payment amount depends on your purchase amount. The estimated payment amount excludes taxes and shipping fees. Affirm loans made by Cross River Bank, Member FDIC.
**A $1,000 purchase might cost $92.75 over 12 months at 20% APR.