Affirm Financing

What is Affirm?

Affirm lets you pay over time for the things you love. You’re in control of your payment schedule, and you'll never pay more than you agree to up front. You’ll be redirected to Affirm to securely complete your purchase. It’s quick and easy, and you’ll get a real-time decision. Checking your eligibility won’t affect your credit score.

Does Affirm charge interest and fees?

Affirm doesn't charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account. Affirm will charge interest based on your chosen payment plan. Your APR may be different depending on your creditworthiness and where you are shopping. The exact terms that apply to your purchase will be given when you check out with Affirm. At checkout, Affirm always shows the total amount of interest you’ll pay and will never charge more beyond that. This way, you always know what you’re getting into.

I would like to apply to prequalify. Will this affect my credit score?

Prequalifying just takes a minute and WILL NOT affect your credit score. Your credit score will only be affected if you fail to adhere to your agreed upon payments. Look for the option in the Affirm app or on These two experiences are a bit different, so we’ll break it all down for you.

Prequalify in the app
The app gives you an idea of how much you can borrow through a virtual card. Later, if you request a loan and are approved, you’ll get a virtual card to use at almost any online or in-store checkout.

Prequalify at partner stores
Our partner stores may give you the opportunity to prequalify while you’re on their site or in their store. This shows you how much you can borrow to use only at their store.

The app vs. partner stores
Keep in mind, you might prequalify in the app, but not at a partner store. Or, you may prequalify at a partner store, but not in the app.That’s because these experiences work differently. Use the app to see if you prequalify almost anywhere. Visit a partner store to see if you prequalify with just that store.

How long do I get to pay off a loan?

Affirm loans usually last 3, 6, or 12 months, and you get to pick from these options when you apply. There are exceptions to this, so please read on.

Longer (or shorter) options
For really large loans, you might get an option for up to 48 months. For much smaller loans, you may get 1–3 months, without the option to pay over a longer period.

Changing the options
Your options change depending on the store, your purchase, and your current credit profile. So if you don’t like your options this time around, you can also try again later for something else.

How to find the term length
No matter what, Affirm will always be upfront about how long you have to pay them back. They’ll show you the loan’s length when you apply. And they’ll continue to show this and other important details on your Affirm account.

How do you process a refund for purchases through Affirm?

Please contact us at to request a refund. We will assess your return request. Should your refund be approved, the refund amount will show up in your account within 3–45 business days, and your Affirm account balance will be updated.

Monthly payments
While you’re waiting for your refund, please continue to make any monthly payments that are due.

Refund is less than balance
If your refund is less than your total purchase 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 purchase balance, you’ll get back the difference, minus any interest you’ve paid. Affirm will credit your payment method within 3–10 business days.