*Only available in the US. Subject to credit check and approval. For purchases under $100, limited payment options available. Affirm loans are made by Cross River Bank, a NJ State Chartered Commercial Bank, Member FDIC.
How it Works
Your Affirm account is created using your name, email, mobile phone number, birthday, and the last 4 digits of your SSN. This combination helps Affirm verify while protecting your identity.
Simple CheckoutCheckout is easy. Just select Affirm and enter some basic info for an instant loan decision.
Safe and SecureThere's no card number to steal, so your account stays secure.
You’re in ControlPick a loan that fits your budget. Choose to pay off your purchase over 3, 6, or 12 months.
Real-Time ApprovalOnce your loan is complete and approved, we can process your order immediately.
Choose 3, 6, or 12 Monthly Payments
Affirm has designed its loans to offer you flexibility and control over your budget. Affirm offers rates as low as 0% APR based on credit approval. For example, for a loan amount of $600 pay $50 per month for 12 months at 0% APR. Down payment may be required.
Real People, Real Support
Affirm has a dedicated team in San Francisco at Affirm HQ, ready to answer your questions and help you out however they can. Affirm loan is subject to credit check and approval.
Affirm loans are made by Cross River Bank, a NJ State Chartered Commercial Bank, Member FDIC. See www.affirm.com/faqs for details.
Frequently Asked Questions
Your Affirm account is created using your name, email, mobile phone number, birthday, and the last 4 digits of your SSN. This combination helps Affirm verify and protect your identity.
Yes. When you first create an Affirm account, Affirm performs a 'soft' credit check to help verify your identity and determine your eligibility for financing. This 'soft' credit check will not affect your credit score.
Affirms tries hard to approve every purchase but sometimes 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.
Affirm sometimes needs more information about your financial situation to evaluate your loan application. They may ask you to link your online checking account to view transaction history and balance, which helps determine your ability to repay a loan. If you are prompted to link your checking account and would like to continue with the application process, you may link your account by providing the login information for your online bank account. Affirm does not store your online banking login information - they simply pass your login credentials to your bank via a secure service linking your checking account.
Linking your checking account DOES NOT authorize Affirm to debit your account. It only allows them to determine your ability to pay.
Have Additional Questions?
Contact Affirm directly at:855-423-3729