Affirm is a quick, easy service for you as a customer to buy your needs by making monthly payments. There are no hidden fees or deferred interest. You pay exactly what is shown to you upon checkout with Affirm
You as the customer get the option to pay for items on a 3, 6 or 12 month plan with 10-30% APR depending on your information you provided at checkout.
Yes, when you first create an Affirm account, they perform a ‘soft’ credit check to help verify your identity and determine your eligibility for financing. This ‘soft’ credit check will not affect your credit score. If you apply for more loans with Affirm, they may perform additional ‘soft’ credit checks to ensure that they offer you the best financing options possible.
Affirms tries hard to approve every purchase but sometimes can't approve the full amount. When this happens, Affirm provides a debit card down payment option so that you may still complete your purchase right away.