If your basket is eligible for monthly payments with Affirm, the option will be presented at checkout. After confirming your phone number, you’ll be sent a one-time SMS password to confirm your identity. You’ll then enter a few details for a quick decision. If you’re approved, you will have the option to set up your repayment method with Affirm and accept the terms of your payment plan.

For more information on interest or fees, please read this FAQ article on the Affirm help site.

Yes. You’ll need:

• To be the legal age of majority in the state in which you reside.
• To be a resident of the United States.
• An American bank account or Visa/Mastercard debit card (your debit card must have the Visa or Mastercard logo). Available payment methods may vary depending on the payment plan selected.
• An SMS-capable American phone number and an email address
• To meet the minimum cart size required to use Affirm as a payment option at checkout

Please reach out to the Affirm team and they will be happy to look into the options available. You can contact them using this contact form.

Sure, at any time! There are no penalties or fees for early repayments. To pay off your current balance, please login to the Affirm customer portal with the phone number you used to sign up with. If you have any additional questions about your account or payment schedule, send us a message here.