How financing works
Add your desired item to the shopping cart and proceed to checkout.
Once in the checkout, make sure you "check out as guest", especially if you've used ShopPay before.
Choose "Affirm - Pay Over Time" option to apply for financing.
Affirm will instantly pre-qualify you. This eligibility check won't affect your credit score.
Once qualified, select a payment plan that works for you from the available options of 12, 24, 36 months.
Complete your purchase and get ready to change your life!
Will Affirm affect my credit score?
Creating an Affirm account through Plunge and seeing if you prequalify will not affect your credit score. If you decide to make your purchase with Affirm, these things may affect your credit score: actually making the purchase with Affirm, your payment history with Affirm once you have a loan, how much credit you've used, and how long you’ve had credit.
Does Affirm charge interest and fees?
Fees - Affirm doesn't charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account.
Interest - Your payment will only include interest for the 24 or 36 month options or if for some reason your credit score is below desired levels. You’ll never owe more interest than you agree to on day one—so you always know exactly what you’re getting into.
What does it mean to prequalify?
When you prequalify, you get an estimate of how much you can spend with Affirm. You don’t have to use the full amount, and you’re not on the hook to pay anything back until you actually make a purchase. If you decide to make the purchase, Affirm will formally pull your credit and underwrite the loan for you.
What if I don’t see Affirm at checkout?
Thousands of stores offer Affirm as a payment option at checkout. But if you don’t see us at checkout, you can still pay over time. Just download the Affirm app (or sign in at affirm.com), tell us where you’re shopping, and we’ll give you a one-time-use virtual card you can use to complete your purchase online or in stores. Then, pay us back over time
What if I need to return or cancel my order?
You can file a return on our website the same way you would normally. Go to the contact center.
In terms of how you get refunded from Affirm, go to https://helpcenter.affirm.com/s/article/get-a-refund
- The interest rate on your purchase will either be 0% APR or 5.69% APR, depending on your credit score and eligibility. Affirm offers payment options through lending partners, which can be found at http://affirm.com/lenders . The monthly payment amount for a $5,990 Plunge might be $243 over 12 months at 0% APR. The financing options available to you may vary based on your purchase amount, and you may need to make a down payment.
- You can return your product within 30 days of delivery as per our return policy, but please note that interest paid to Affirm cannot be refunded.
- Please keep in mind that the terms and conditions of this offer are subject to change, and your eligibility for financing may depend on a variety of factors.