Support Type: Frequently Asked Questions

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 […]

Affirm loan-application process steps: At checkout, choose Pay with Affirm. Affirm prompts you to enter a few pieces of information: Name, email, mobile phone number, date of birth, and the last four digits of your social security number. This information must be consistent and your own. To ensure that you’re the person making the purchase, […]

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). Not be a resident of Iowa (IA) or West Virginia (WV). Provide a valid U.S. or APO/FPO/DPO home address. Provide a valid U.S. mobile or VoIP number […]

Buy and receive your purchase right away, and pay for it over several months. This payment option allows you to split the price of your purchase into fixed payment amounts that fit your monthly budget. If Affirm approves your loan, you’ll see your loan terms before you make your purchase. See exactly how much you owe each […]

Affirm is a financing alternative to credit cards and other credit-payment products. Affirm offers instant financing for online purchases to be paid in fixed monthly installments over 3, 6, or 12 months.