Affirm is essentially a loan that you can get approved for based on your credit.
During the checkout process, you provide some basic information and get instant approval to split your purchase into 3, 6, or 12 monthly payments with rates from 10-30% APR.
Does Affirm perform a credit check?
Affirm does a credit check to verify your identity and provide you with a financing offer when you sign up. This is a ‘soft’ credit check and will not impact your credit score. If you choose to complete a purchase and finance it with Affirm, Affirm will do a single ‘hard’ credit check when your first order is processed by the merchant. This may have a minor impact on your credit score. For future purchases with Affirm, they won’t need to check your credit again.
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.
FuturePay is a safe, simple, and convenient payment option that lets you purchase online with no credit cards.
What makes FuturePay a faster and more convenient payment option?
Forget about entering tons of payment information and credit card numbers. With FuturePay, check-out is simple. Just enter your email and FuturePay password and you’re done!
With FuturePay you also don’t have to pay for your purchases immediately, instead, pay for all of your purchases at the end of the month.
Who can apply to FuturePay?Legal U.S. residents 18 years or older can apply. (Alabama and Nebraska residents must be at least 19 years old.)
You can apply while making a purchase at participating online stores. To apply, you only need to enter your name, birthdate, address and the last 4 digits of your Social Security Number, along with a contact email address. Subject to credit approval, this process takes only seconds after which you can complete your purchase.
A Shopper will pay a minimum payment of $25 per month for all balances (including fees) that are below $1,000. $1,000+ , combined balances would be a minimum of $60.