What is Affirm?

Affirm is a financing alternative to credit cards and other credit payment products. Affirm offers instant financing for purchases online. With Affirm, you can buy and receive your purchase now, and pay for it in fixed monthly installments over the course of three, six, or twelve months.

SendMeFurniture has teamed up with Affirm to offer easy financing – without a catch. There are no gimmicks like deferred interest or hidden fees, so the total you see at checkout is always what you actually pay. Provide some basic information and get instant approval to split your purchase (up to $10,000) into 3, 6, or 12 monthly payments with rates from 10-30% APR.



Why buy with Affirm?

Buy and receive your purchase now, and pay for it over three, six, or twelve months. If Affirm approves you for a loan, Affirm discloses your loan terms before you make your purchase. You’ll know exactly how much you’ll owe each month, the number of payments you must make, and the total amount of  interest you’ll be paying over the course of the loan.  Affirm does not charge hidden fees.

Affirm bases its loan decision not only on your credit score, but also on several other data points about you. You may be eligible for Affirm financing even if you don’t have an extensive credit history.

Does Affirm perform a credit check?

Affirm does a credit check to verify your identity and provide you with a financing offer when you sign up. This is a ‘soft’ credit check and will not impact your credit score. If you choose to complete a purchase and finance it with Affirm, we will do a single ‘hard’ credit check when your first order is processed by the merchant. This may have a minor impact on your credit score. For future purchases with Affirm we won’t need to check your credit again.

How does Affirm work?

Here are the steps in the Affirm loan application process:

  1. Select to pay with Affirm at checkout.
  2. Affirm will prompt you to enter a few pieces of information – your name, email, mobile phone number, date of birth, and the last four digits of your social security number. Please ensure that all of this information is your own and is consistent information otherwise you may experience difficulty with your checkout.
  3. To ensure that you’re the person making the purchase, Affirm will send a text message to your cell phone with a unique authorization code.
  4. Enter the authorization code into the application form. Within a few seconds, Affirm will notify you of the loan amount you’re approved for, the interest rate, and the number of months you will have to pay off your loan. You will have the option to choose to pay off your loan over three, six, or twelve months. Affirm will also state the amount of your fixed, monthly payments and the total amount of interest you’ll pay over the course of the loan.
  5. If you would like to accept Affirm’s financing offer, click “Confirm Loan” and you’re done.

How do I make my payments?

Before each payment is due, Affirm will send you reminders via email and SMS that will include the installment amount that is coming due and the due date. You can also sign up for autopay so you don’t risk missing a payment.

Please follow these steps to make a payment:

  1. Go to affirm.com/account
  2. You will be prompted to enter in your mobile number where you will be sent a personalized security pin.
  3. Enter this security pin into the form on the next page and click "Sign In."
  4. You’ll now see a list of your loans and payments coming due. Click on the loan payment you would like to make.
  5. You can make a payment utilizing a debit card or ACH bank transfer.
Affirm Checkout Flow

Step 1: Input Information

Step 1: Enter Your Basic
Information

Step 2: Input Pin



Step 3: Choose Terms

Step 4: Receive Confirmation



Why was I prompted to pay a down payment with a debit card?

Affirms tries hard to approve every purchase but sometimes can't approve the full amount. When this happens, Affirm provides a debit card down payment option so that you may still complete your purchase right away.

Why was I prompted for a checking account?

Affirm sometimes requires additional information to consider a credit application. Such information may include an active checking account, which helps Affirm verify your identity and your ability to repay the requested loan. If they prompt you for this information but you are unable to provide it, Affirm will be unable to approve your credit application.


For more information contact Affirm at help@affirm.com or by calling 855-423-3729.