Support Type: Financing With Affirm

Affirm is available only to shoppers residing in the United States. Affirm hopes to expand its services to customers outside the U.S. in the future.

Yes! Affirm works hard to be completely transparent. You’ll see the amount of interest you’ll owe on the terms page and again on the loan confirmation page. If you pay off your loan early, you’ll receive a rebate for any interest that hasn’t yet accrued.

Affirm isn’t always able to offer credit for the full amount you request. In these cases, Affirm asks you to make a down payment with a debit card for the remainder of your purchase. The down payment amount can’t be changed and must be made upon confirming your loan and before the loan offer expires.

Although Affirm is continually adding support for additional banks, they aren’t able to connect to every bank at the present time. We apologize for the inconvenience. If you’re unable to connect your bank, you’ll need to complete your purchase with another payment method.

Affirm may sometimes need more information about your finances and your ability to repay in order to make a credit decision. If you are prompted to link your checking account and would like to proceed, please provide the login information for your online bank account. Affirm does not store your online login credentials—they are transmitted […]

Affirm may sometimes need more information about your finances and your ability to repay in order to make a credit decision. Your income gives Affirm additional insight into your ability to repay.

If Affirm has difficulty confirming your identity, you may need to provide more information. Affirm uses modern technology to confirm your identity, including verifying your address or full SSN, or requesting a photo of your ID. Affirm takes these steps in some cases to counter fraud and provide the most accurate credit decision they can.

Audioengine has no information regarding a customer’s financing denial. Affirm strives to offer all credit-worthy applicants financing with Affirm, but isn’t able to offer credit in every case. Affirm will send you an email with more details about its decision. Unfortunately Affirm’s decision is final.

Although Affirm performs a credit check when you apply for a loan, this won’t impact your credit score. However, if you’re approved and decide to buy with Affirm, your loan and payments may affect your credit score.  Paying on time can help you build a positive credit history.

Affirm asks for a few pieces of personal information: Name, email address, mobile phone number, date of birth, and the last four digits of your social security number. Affirm verifies your identity with this information and makes an instant loan decision. Affirm bases its loan decision not only on your credit score, but also on […]