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Affirm is a financing alternative to credit cards and other credit payment products. Affirm offers instant financing for purchases online. With Affirm, you can buy and receive your purchase now, and pay for it in fixed monthly installments over the course of three, six, or twelve months.

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 perform 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.

Yes, protecting your personal information is very important to Affirm. Affirm encrypt sensitive data including Social Security numbers. Affirm also maintains physical, electronic, and procedural safeguards to protect your information. Affirm does not sell or rent your information to anyone.

You can pay your Affirm bills online at www.affirm.com/pay. They accept payment by debit card, bank transfer and check.

Affirm 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 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.

You should see a refund from Affirm post within 3 to 10 business days, depending on your bank’s processing time.

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.