Frequently Asked Questions Quick & Easy Enter a few pieces of information for a real-time decision. Checking your eligibility won’t affect your credit score. No Hidden Fees Know up front exactly what you’ll owe, with no hidden costs and no surprises. Just Select at Checkout Subject to eligibility check and approval. Estimated payment amount excludes taxes and shipping fees. Payment options through Affirm are subject to eligibility, may not be available in all states, and are provided by these lending partners: affirm.com/lenders. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license. 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 installments. Why buy with Affirm? Affirm is here to help you pay over time for the things you love. You’re in control of how long you get to make monthly payments. Plus, you never pay more than what you agree to up front. What is required to have an Affirm account? To sign up for Affirm, you must: Be 18 years or older (19 years or older in Alabama or if you’re a ward of the state in Nebraska). Not be a resident of Iowa (IA) or West Virginia (WV). Provide a valid U.S. or APO/FPO/DPO home address. Provide a valid U.S. mobile or VoIP number and agree to receive SMS text messages. The phone account must be registered in your name. Provide your full name, email address, date of birth, and the last 4 digits of your social security number to help us verify your identity. How does Affirm work? To sign up online at a partner store: At checkout, select Affirm as the payment method. Follow the prompt to enter your mobile number. Select Continue. Type your full legal name and your email address. Type your date of birth and the last 4 digits of your Social Security number. Select Create account. See your loan decision. Does Affirm perform a credit check? Does it impact my credit score? Affirm conducts an eligibility check to verify your identity. This does not impact your credit score. Why was I prompted for a down payment? You may not always qualify for the full amount of your purchase. When this happens, we’ll ask you to make a down payment. We’ll process this payment right after you confirm your loan. After that, it’s business as usual. Your first monthly payment is due at the usual time - about a month after your loan is finalized. Why can't customers outside the U.S. use Affirm? Affirm is available only to shoppers residing in the United States. Affirm hopes to expand its services to customers outside the U.S. in the future. How do I make my payments? You can make or schedule payments on affirm.com or in the Affirm app. To make payments on affirm.com Sign in to your Affirm account. Navigate to Loans. Click Pay. Select how much you want to pay and when. Add or select a payment method. Click Continue. Review the payment amount, method, and date. Click Submit payment. To make payments in the app: Download the free Affirm app from the App Store (iOS) or the Google Play Store (Android). Sign in to your account. Navigate to Loans. Tap Pay on the loan you want to pay. Choose the payment amount, date, and method. Select Pay now. Right after you make a payment, it will show up as processing on your Affirm account. Within 5 business days, it will show up as paid. You’ll get email and SMS updates when this happens. How do I 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 the refund amount, according to their own return policy. After they process the refund, the full amount will show up on your loan balance within 3–5 business days. You can see your loan balance in your Affirm account. Monthly Payments: While you’re waiting for your refund, please make any monthly payments that are due. Refund is less than balance: If your refund is less than your total loan balance, it might not lower 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 loan balance, you’ll get back the difference, minus any interest you’ve paid. We’ll credit your payment method within 3–10 business days. If you don’t have a payment method on file, you’ll get a check in the mail within 14 business days. Can I amend my order after my purchase has been processed? Can I be approved for a higher loan amount if my purchase amount increases? You cannot edit your order after you have confirmed your loan. If you want to add items to your purchase, you may apply for another loan with Affirm or use a different payment method.