How do I use Affirm?

Learn how to make 3 interest-free payments with Affirm!

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 or West Virginia.
  • 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.
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.
 
Affirm loan-application process steps:
  1. On the last page of checkout (after you've entered your shipping information and selected a shipping method), click on "Affirm Monthly Payments" under Payment options:screenshot-checkout.embrlabs.com-2019.05.16-15-14-37.jpg
  2. Enter your billing address (if different from your shipping address), and then click the Complete Order button at the bottom of the page:screenshot-checkout.embrlabs.com-2019.05.16-15-15-47.jpg
  3. This will take you to Affirm's website, where you will be prompted to enter a few pieces of information: Name, email, mobile phone number, date of birth, and the last four digits of your social security number. This information must be consistent and your own. 
  4. To ensure that you’re the person making the purchase, Affirm sends a text message to your cell phone with a unique authorization code.
  5. Enter the authorization code into the application form. Within a few seconds, Affirm notifies you of the loan amount you’re approved for, the interest rate, and the number of months you have to pay off your loan. You have the option to pay off your loan over three, six, or twelve months. Affirm states the amount of your fixed, monthly payments and the total amount of interest you’ll pay over the course of the loan.
  6. To accept Affirm’s financing offer, click Confirm Loan, and you’re done.   
After your purchase, you’ll receive monthly email and SMS reminders about your upcoming payments. You can also set up autopay to avoid missing a payment.  Your first monthly payment is due 30 days from the date that we process your order. 
 
Please note that if you return your order for a refund, you are required to continue making monthly payments until Affirm has processed your refund. Read more about how refunds work with Affirm here.
 
Can’t find your answer in our support center? Contact us directly.