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How to buy with Affirm

Step 1
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Step 3

Create Account

Once the customer use Affirm as the payment method at the check-out page, they will be redirected to Affirm where they will provide their phone number. They will then be sent a security pin via SMS to verify their mobile number. Once this pin has been entered, just fill out some basic info. then the account has been successfully created.

Pick A Payment Plan

Following that, the customer will be informed of their loan choice. If accepted, clients can choose the term duration that best suits their needs. If the customer is rejected, they will see a succinct declination notice and get a more thorough email explanation of the decision.

Complete Purchase

As a final step, the customer will review the Truth in Lending Disclosure, which contains the number of payments, the amount of each payment, as well as the date the first payment is due. After they confirm the loan they will be redirected to your normal order confirmation page.

Why Choose Affirm

You'll never pay more than you agreed to up front while using Affirm. Instead, you will always receive a flexible, clear, and practical method of making payments over time.They tell you up front the total amount you’ll pay. That number will never go up.
Affirm never charge fees. You'll never pay late fees, or annual fees, or hey-it's-a-random-day-in-April fees, or penalties, or hidden interest, ever.
With credit cards, the longer you take to pay off your balance, the more expensive your purchase becomes. With Affirm, you always know exactly what you'll owe and when you'll be done paying off your purchase.


Creating an Affirm account and seeing if you prequalify will not affect your credit score. If you decide to buy with Affirm, these things may affect your credit score: making a purchase with Affirm, your payment history with Affirm, how much credit you've used, and how long you’ve had credit.
Fees - We don’t charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account.
Interest - Depending on the size of your purchase and where you’re shopping, your payment plan may include interest. You’ll never owe more interest than you agree to on day one—so you always know exactly what you’re getting into.
When you prequalify, you get an estimate of how much you can spend with Affirm. You don’t have to use the full amount, and you’re not on the hook to pay anything back until you actually make a purchase.
Thousands of stores offer Affirm as a payment option at checkout. But if you don’t see us at checkout, you can still pay over time. Just download the Affirm app (or sign in at affirm.com), tell us where you’re shopping, and we’ll give you a one-time-use virtual card you can use to complete your purchase online or in stores. Then, pay us back over time.