Additional Information On Affirm Financing

HOW DOES AFFIRM WORK?

• Easy monthly payments: Provide some basic information and get a real-time credit decision to split your purchase into monthly payments. Rates from 10% to 36% APR with loans of 3, 6, or 12-month terms.
  • Based on a purchase price of $500.00 at $43.97/mo at 10% APR for 12 months. Downpayment may be required
• Flexible repayment: Simply pay your monthly bill using a debit card, bank transfer at www.affirm.com/pay

• Be a resident of the U.S. (including U.S. territories)
• Be at least 18 years old (19 if you’re a ward of the state in Nebraska)
• Have a Social Security number
• Own a phone number that receives SMS and is registered to the United States or U.S. territories

HOW DOES AFFIRM APPROVE BORROWERS FOR LOANS?

Affirm will ask you for a few pieces of personal information – your name, email, mobile phone number, date of birth, and the last four digits of your social security number. Affirm uses this information to verify your identity and to make an instant loan decision. Affirm will base its loan decision not only on your credit but also on several other data points about you. This means you may be able to obtain financing from Affirm even if don’t have an extensive credit history.

HOW DO I MAKE MY PAYMENTS?

Before each payment is due, Affirm will send you reminders via email and SMS that will include the installment amount that is coming due and the due date. You can also sign up for autopay so you don’t risk missing a payment.

Please follow these steps to make a payment

1. Go to www.affirm.com/account.
2. You will be prompted to enter your mobile number where you will be sent a personalized security pin.
3. Enter this security pin into the form on the next page and click “Sign In.
4. ”You’ll now see a list of your loans and payments coming due. Click on the loan payment you would like to make.
5. You can make a payment utilizing a debit card or ACH bank transfer.

HOW DO REFUNDS WORK ON ITEMS I RETURN?

A refund will post to your Affirm account if we process your refund request. In the event that we issue you store credit instead of a refund, you will still be responsible for paying off your Affirm loan.

If you have already made loan payments or a down payment, Affirm will issue you a refund credit to the bank account or debit card that you used to make the payments. You should see a refund credit within 3 to 10 business days, depending on your bank’s processing time.

Please note that there are no refunds under any circumstances after 90 days have elapsed from the order date.

Rates from 0% or 10-36% APR. Payment options through Affirm are subject to an eligibility check, may not be available in all states, and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license.