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Financing With Affirm

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About Affirm 

We've teamed up with Affirm to offer easy financing – without a catch. There are no gimmicks like deferred interest or hidden fees, so the total you see at checkout is always what you actually pay. Provide some basic information and get instant approval to split your purchase into 3, 6, or 12 monthly payments.

FAQs

Does Affirm perform a credit check?
Yes, Affirm performs a "soft" credit check to help verify your identity and determine your eligibility for financing. This will not affect your credit score. If you use Affirm for future purchases, Affirm may perform additional "soft" credit checks to ensure you get the best financing options possible.

Are there any interest or fees associated with Affirm loans?
Affirm loans vary between 10% and 30% APR simple interest. The corresponding finance charge is the only fee associated with an Affirm loan. There are no late fees, service fees, prepayment fees, or any other hidden fees. Affirm strives to be more transparent and fair than any other form of financing.

Why was I prompted to pay a down payment with a debit card? 
Affirm tries hard to approve every purchase but sometimes can’t approve the full amount. When this happens, they provide a debit card down payment option so that you may still complete your purchase right away.

Why was I prompted for a down payment?
Affirm isn't always able to approve financing for the full amount of a purchase. When this happens, you will have the option of using a debit card to pay for the rest of your purchase. Unfortunately, the down payment amount can’t be changed.

Why was I prompted for a checking account? 
Affirm sometimes needs more information about your financial situation to evaluate your loan application. You may be  asked to link your online checking account, which helps determine your ability to repay the requested loan. If you’re prompted to link your checking account and would like to continue with the application process, you may securely link your account by providing the login information for your bank account. We may refresh your bank account information periodically, but you can unlink your account at any time in your Affirm account settings. Linking your checking account DOES NOT authorize Affirm to debit your account.

Why was my purchase with Affirm not approved?
While we strive to offer all creditworthy applicants financing, Affirm simply isn’t able to approve every loan application. If your application was not approved, you will immediately be notified of the decision and denial reason via a secured message.

Will you send me billing reminders?
Affirm will send you email and SMS text messages to remind you of upcoming payments.

When is my bill due?
Your first monthly payment will be due one calendar month from the date your loan is processed. Affirm will send you an email and SMS text message to confirm all of your billing due dates. Each monthly payment will be due on the same day of the month throughout the loan period.

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