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Q. What is required to have an Affirm account?
To sign up for Affirm, you must:
- Be 18 years or older.
- Provide a valid U.S. or APO/FPO/DPO home address.
- Provide a valid U.S. mobile number and agree to receive SMS texts. The mobile phone account must be registered in your name. We cannot accept VOIP numbers at this time.
- Provide your full name, email address, date of birth, and the last 4 digits of your social security number to help us verify your identity.
Q. Are there any interest or fees associated with Affirm loans?
Affirm loans vary between 10% and 30% APR simple interest (0% APR is offered at select merchants). The corresponding finance charge is the only fee associated with an Affirm loan - we don’t charge late fees, service fees, prepayment fees, or any other hidden fees. We strive always to be more transparent and fair than any other form of financing.
Q. Do I have a credit limit with Affirm?
Unlike a credit card, Affirm is not a revolving line of credit. While customers can take out multiple Affirm loans at once, each Affirm loan application is evaluated separately as a closed-end transaction. An application from a returning customer may be denied, however, if that customer has failed to repay other Affirm loans on time or if the customer shows excessive borrowing behavior.
Q. Does Affirm perform a credit check?
Yes, when you first create an Affirm account, we 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, we may perform additional ‘soft’ credit checks to ensure that we offer you the best financing options possible.


Your rate will be 0% APR or 10–30% APR based on credit and is subject to an eligibility check. For example, a $275 purchase may cost $93.97 for 3 months at 15% APR. Payment options through Affirm are provided by these lending partners: 0% APR is subject to change. The estimated payment amount excludes taxes and shipping fees. Options depend on your purchase amount, and a down payment may be required.