Affirm Information

Affirm Information

*Note: There is a $150 minimum purchase requirement when using Affirm as a payment method*
*Affirm may not be used towards a subscription of any item*

What is Affirm?
https://helpcenter.affirm.com/s/article/what-is-affirm

Affirm strives to keep you out of unhealthy debt by facilitating fair, transparent credit so you can pay over time for the things you love. Affirm offers affordable monthly payments at a pace you choose—usually 3, 6, or 12 months—so you're in control. From day one, you know how long you'll pay, and you know how much you'll pay because Affirm never charges late fees or other hidden fees. 
 

Installments over 3, 6, or 12 months
You can choose Affirm as a payment method during checkout and seamlessly apply for a loan to pay for your items right then. You can choose to spread your payments out, typically over 3, 6, or 12 months (or more, such as up to 36 months for CADE Aquariums), to pay for your purchase with manageable payments that work with your budget.  


Interest and no 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.

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.

Interest
At checkout, Affirm always shows the total amount of interest you’ll pay and you will never be charged more than that. This way, you always know what you’re getting into. If you pay faster than agreed, you might be charged less! 




Shopping with Affirm

Make a purchase at a partner store
Fill your cart, then select Affirm at checkout. 
Enter your mobile number, then select Continue.
If it’s your first time applying, you'll be prompted to create an account. 
Enter the 4-digit verification code texted to your phone.
See whether you're approved for your purchase.

 
Make a purchase through the mobile app
1. Download the free Affirm app from the App Store (iOS) or the Google Play Store (Android).
2. Enter your mobile phone number.
3. If it’s your first time applying, you''ll be prompted to create an account. 
4. Enter the 4-digit verification code texted to your phone.
5. Tell Affirm where you’re shopping and how much you need.
6. See whether you're approved for your purchase.

 
Make a purchase through the Affirm website
1. Sign in to your Affirm account, or create an account.
2. Enter the 4-digit verification code texted to your phone.
3. Tell Affirm where you’re shopping and how much you need.
4. See whether you're approved for your purchase.


Is there a limit to how many purchases I can have at one time?
There are no limits on how many purchases you can have at one time. But if you’ve recently opened credit accounts, Affirm will consider that when reviewing your application.  Affirm also consider things like your payment history, how much credit you've used, and how long you’ve had credit.


Why do I have to make a downpayment?

You may not always qualify for the full amount of your purchase. When this happens, Affirm will ask you to make a down payment and they’ll process this payment right after you confirm your loan.
After that, it’s business as usual. Your first payment is due at the usual time, you can review your payment schedule in your Affirm account. 

Change a down payment

Also, you can’t change the amount of your down payment. The good news is not all purchases come with down payments.




PREQUALIFYING

About prequalifying

When you prequalify, you get an estimate of how much you can borrow. You’re not on the hook to pay back your prequalified amount until you actually borrow it. You also don’t have to borrow the full amount.
 

Prequalified amount vs. credit limit
A prequalified amount is an estimate of what a lender may qualify you to borrow in the future.

This is different from a credit limit. A credit limit is the maximum amount of credit a lender has already decided you can borrow.
 

Ways to prequalify
Prequalifying just takes a minute and won't affect your credit score. Look for the option on our product pages.
 

Prequalified, but not approved
Unfortunately, Affirm can’t guarantee you’ll get approved, even if you’re prequalified. That’s because your prequalified amount is an estimate. It may change—or go away—depending on a few different things. This includes your borrowing and payment history at Affirm and elsewhere.



For any questions which are not covered in this article, please contact Affirm through one of the following:



(855) 423-3729. Affirm's customer care agents are available 7:00 a.m. - 10:00 p.m. Central Time seven days a week.





    • Related Articles

    • How To: Add a Payment Method for a Reoccurring Subscription

      In this how to guide, you will find step-by-step instructions on how you can add a new payment method to your account for your reoccurring orders. *We recommend opening this page in a separate tab, so that you may follow along with the step-by-step ...

    • Account Security

      Password Restrictions We require a password between 8 and 20 characters with at least one uppercase letter, one lowercase letter and one number, which does not include your personal name or spaces. We also recommend that you: Change your password ...

    • Neptune COR User Guide

      User Guide for Neptune COR-15 & COR-20 A downloadable version of this guide may also be found here: https://www.neptunesystems.com/downloads/docs/COR_User_Guide_for_APEX.pdf

    • TurboStart

      As you probably know, cycling a new aquarium can take weeks or even months. For new hobbyists, this can be discouraging because you want to add corals or fish as soon as possible. It is frustrating for even those that have been in the hobby for a ...

    • CADE POLICY OVERVIEW

      CADE POLICY OVERVIEW Please note that this Policy Overview is provided as a reference, and does not describe an exhaustive list of scenarios. Please read the applicable policy for a more comprehensive understanding. If you have any questions, please ...