Affirm provides consumers with a better alternative to traditional credit cards, giving them the flexibility to buy now and pay over time. Unlike payment options that have late fees, compounding interest and unexpected costs, Affirm payment plans show customers up front exactly what they’ll pay—with no hidden fees and no surprises.

No, your credit won’t be affected when you create an Affirm account or check your eligibility (including checking your pre-qualification eligibility). When you apply for or check to see if you prequalify for Affirm financing, it’s considered a soft inquiry, which does not affect your credit. If you decide to pay with installments through Affirm, your payment plan and repayment activity may be reported to credit bureaus. You can find more information on Affirm’s Help Center.

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.

Yes! Affirm payment plans aim 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. No penalty for paying your loan off early!

TrovaTrip is unable to speak on behalf of Affirm about its credit decision. Affirm strives to offer all eligible applicants financing, but isn't able to offer credit in every case. Affirm will send you an email with more details about its decision.

Affirm payment plans are available only to shoppers residing in the United States. Affirm hopes to expand its services to customers outside the U.S. in the future. Currently Affirm is not available for residents of Iowa (IA) or West Virginia (WV).

The annual percentage rate (APR) on an Affirm loan ranges from 0-36% APR. Affirm discloses any interest upfront before you make a purchase, so you know exactly what you will pay for your financing. Affirm does not charge any hidden fees, including annual fees.

Before each payment is due, Affirm sends you an email or SMS reminder with the installment amount that is coming due and the due date. You have the option to sign up for autopay, so you don't risk missing a payment.

Follow these steps to make a payment:

1. Go to www.affirm.com/account
2. Enter your mobile phone number. Affirm sends a personalized security PIN to your phone.
3. Enter this security PIN into the form on the next page and click Sign in.
4. After you sign in, a list of your loans appears, with payments that are coming due. Click the loan payment you would like to make.
5. Make a payment using a debit card or ACH bank transfer.

A refund posts to your Affirm account if we process your refund request. In the event that we issue you a trip credit instead of a refund, you are still responsible for paying off your Affirm loan. Please see helpcenter.affirm.com for more details