Your rate will be 0% APR or 10–30% APR based on credit, and is subject to an eligibility check. Payment options depend on your purchase amount, and a down payment may be required. Affirm loans are made by Cross River Bank, Member FDIC.

Affirm Offers a Better Way to Pay Over Time

Receive and review your APR, payment structure and loan duration before you make your purchase.

No credit card required.

Create your account with just a name, email, mobile number, your date of birth and the last four digits of your Social Security number.

Prequalification won't affect your credit score.

Affirm does run a credit check on all applicants. This won't affect your current score, whether you are approved for your loan or not.

No hidden or late fees.

Affirm lets you know up front what you'll be required to pay and when.

Set up email or SMS reminders.

Receive advance notice of your upcoming payments, even when you're on the go.

Autopay available.

Set it and forget it. Pay off your loan automatically at your convenience.

Frequently Asked Questions

Your Affirm account is created using your name, email, mobile phone number, birthday and the last 4 digits of your SSN. This combination helps Affirm verify and protect your identity.

Yes. When you first create an Affirm account, Affirm performs 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.

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.

Affirm sometimes needs more information about your financial situation to evaluate your loan application. They may ask you to link your online checking account to view transaction history and balance, which helps determine your ability to repay a loan. If you are prompted to link your checking account and would like to continue with the application process, you may link your account by providing the login information for your online bank account. Affirm does not store your online banking login information — they simply pass your login credentials to your bank via a secure service linking your checking account.


Linking your checking account DOES NOT authorize Affirm to debit your account. It only allows them to determine your ability to pay.