How Financing with Affirm Works

With Affirm, you have the option of paying for your furniture with easy monthly payments. All you need to do is enter some bits of personal information at check out, and you’ll find out whether you were approved for financing within a few minutes. Checking your credit score won’t affect your credit, so there is no risk to be had in inquiring whether you can be approved for financing with Affirm. In fact, making regular, on-time payments on a purchase can actually improve your score over time!



Affirm has no hidden fees, so you’ll know exactly what you’re paying for without having to worry about any surprises. Rates range from 0% APR for qualified customers and 10 – 30% APR. This means, for example, on a $700 purchase you might pay $64.96 for 12 months at 20% APR. Subject to credit check and approval. Down payment may be required. Affirm loans are made by Cross River Bank, Member, FDIC.

The Affirm Buying Process

Step 1

Shop as you normally would, filling your cart with your desired items.

Step 2

Select Affirm at checkout and enter some personal information when prompted. 

Step 3

Receive your real-time decision indicating whether or not you are approved for financing. 

Step 4

Select the payment schedule that works best for you – this can be 3, 6, 12, or even 18 monthly payments.

Step 5

Confirm your purchase. 

Step 6

Begin making your monthly payments. You can either download the Affirm app or make an account on Affirm’s website. You will receive email and text reminders whenever you have a payment coming up.