An update on COVID-19

Travel now, pay later Select Affirm at checkout and pick a payment plan to finance your trip

See the world

Pay over time

No hidden fees

No late charges

Get started today

1

Select ‘Pay over time’ at booking

2

Apply for approval

3

Choose loan term: 6, 12, or 18 months

Example: A $2,000 trip might cost $180.68/mo over 12 months at 15% APR. A down payment may be required.

FAQ

What is Affirm?

A new kind of lender that provides easy to understand financing. No hidden fees, no late charges, no changes to your interest rate. Know exactly what you’re paying and travel the world.

Does Affirm perform a credit check? Does it impact my credit score?

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!

Why was I prompted for a down payment?

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.

Will I see how much interest I am paying prior to accepting my loan?

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. No penalty for paying your loan off early!

Why was I denied financing by Affirm?

TrovaTrip 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.

Why can't customers outside the U.S. use 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. Customers also must not be a resident of Iowa (IA) or West Virginia (WV).

What are Affirm's fees?

The annual percentage rate (APR) on an Affirm loan ranges from 10% to 30%. Affirm discloses any required fees 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.

How do I make my payments?

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.

If I return an item, how do refunds work?

A refund posts to your Affirm account if we process your refund request. In the event that we issue you store credit instead of a refund, you are still responsible for paying off your Affirm loan.


If you have already made loan payments or a down payment, Affirm issues a refund credit to the bank account or debit card that you used to make the payments.


A refund credit appears in your account within three to ten business days, depending on your bank's processing time.

Subject to credit check and approval, and a down payment may be required. Payment options depend on your purchase amount. Affirm loans are made by Cross River Bank, Member FDIC.

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