Founded in 2012 by PayPal co-founder Max Levchin, Affirm offers an easy way to pay over over time for the things you love—through merchants like Wayfair and Casper, and through the Affirm mobile app. Unlike credit cards, we tell you up front exactly what you’ll owe, with no hidden fees and no surprises.

At Affirm, we believe the financial industry desperately needs reinvention. Not only has it managed to avoid major innovation since the mid-’90s, but a dwindling number of people can say “I trust my bank to look out for me.” It doesn’t have to be this way. Affirm was founded on the radical belief that financial services can actually be on your side. Our mission is simple: deliver honest banking services that help people lead richer lives.

Loan Features

Affirm gives people small, instant loans for big purchases. You may come across Affirm as a payment option at a retailer’s checkout, or apply for a loan through its mobile app.

Must buy something immediately but don’t have money saved or a credit card. Affirm gives borrowers short-term personal loans for one-time purchases such as a mattress, furniture or plane tickets.

Can pay the loan off within a year. Affirm offers loan terms of three, six or 12 months, so you need to have the funds to pay the loan off within one of those time frames. The sooner you pay off the loan, the less interest you will pay.

Have a card but your credit limit is lower than the cost of the purchase. Taking an Affirm loan is better than maxing out your credit card, which could lower your credit score.

Don’t want a hit to your credit score. The company says it never conducts a hard credit check, which could temporarily affect your credit score. Affirm uses only soft credit checks and runs its own algorithm to check if a borrower is creditworthy. In some cases, the company may ask to scan your bank transactions to check your financial behavior or ask for a deposit, similar to a down payment, before giving you a loan.

Application Process

There are two ways to sign up for Affirm:

1. Create an Affirm account at in just a few easy steps; or
2. Select Affirm as your payment method while checking out with any Affirm online merchant partner.

To sign up for Affirm, you must:

Be 18 years or older (19 years or older in Alabama or if you’re a ward of the state in Nebraska).
Provide a valid U.S. or APO/FPO/DPO home address. Buy with Affirm is not currently available to Iowa or West Virginia residents.
Provide a valid U.S. mobile or VoIP number and agree to receive SMS texts.
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.

Repayment Terms

APR range 10.00% to 30.00%
Loan amount $100 to $10,000
Time to funding Immediate
Origination fee None
Minimum loan amount: $100
Maximum loan amount: $10,000
Loan duration: 3 to 12 months (some retailers may offer shorter or longer terms)

Customer Support

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