Your Affirm account is created using your name, email, mobile phone number, birthday and last 4 digits of SSN. This combination helps Affirm verify and protect your entity.
How do I pay my bills?
You can pay your Affirm bills online at www.affirm.com/pay. They accept payment by debit card, bank transfer and check.
Does Affirm perform a credit check?
Affirm performs a soft credit check which will not affect your credit score! If you return to Affirm for future purchases, Affirm may run additional soft credit checks.
Why was I prompted to pay a down payment with a debit card?
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.
Why was I prompted for a checking account?
Affirm sometimes requires additional information to consider a credit application. Such information may include an active checking account, which helps Affirm verify your identity and your ability to repay the requested loan. If they prompt you for this information but you are unable to provide it, Affirm will be unable to approve your credit application.
How do refunds work on items I return?
A refund will post to your Affirm account if we process your refund request. In the event that we issue you store credit instead of a refund, you will still be responsible for paying off 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 to 10 business days, depending on your bank’s processing time.
Rates between 10-30% APR with a promotional rate of 0% APR for qualified customers. Subject to credit check and approval. Down payment may be required. For purchases under $100, limited payment options are available. Payment amount depends on your purchase amount. Estimated payment amount excludes taxes and shipping fees. Affirm loans made by Cross River Bank, Member FDIC. See www.affirm.com/faqs for details.