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Affirm

Pay over time, starting at 0% APR

A $300 purchase might cost $50/mo over 6 months at 0% APR. A down payment may be required.

Quick and easy

Enter a few pieces of information for a real-time decision.

No hidden fees

Know up front exactly what you'll owe with no hidden costs and no surprises

Just select at checkout

Subject to credit check and approval. Down payment may be required. For purchases under $100, limited payment options are available. Affirm loans are made by Cross Road Bank, a New Jersey State Charted Commercial Bank, Member FDIC.

Frequently Asked Questions

  • What is Affirm?

    Affirm is a financing alternative to credit cards and other credit-payment products. Affirm offers instant financing for online purchases to be paid in fixed monthly installments over 3, 6, or 12 months.

  • Why buy with Affirm
    • Buy and receive your purchase right away, and pay for it over several months. This payment option allows you to split the price of your purchase into fixed payment amounts that fit your monthly budget.

    • If Affirm approves your loan, you'll see your loan terms before you make your purchase. See exactly how much you owe each month, the number of payments you must make, and the total amount of interest you'll pay over the course of the loan. There are no hidden fees.

    • The application process is secure and real-time. Affirm asks you for a few pieces of information. After you provide this information, Affirm notifies you of the loan amount that you're approved for, the interest rate, and the number of months that you have to pay off your loan -- all within seconds.

    • You don't need a credit card to make a purchase. Affirm lends to the The Hair Shop directly on your behalf.

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

    • Affirm reminds you by email and SMS before your upcoming payment is due. Enable Autopay to schedule automatic monthly payments on your loan.

  • What is required to have an Affirm account?

    To sign up for Affirm, you must:

    • Be 18 years or older (19 years or older in Alabama or if you're a ward of the state in Nebraska).

    • Not be a resident of Iowa (IA) or West Virginia (WV).

    • Provide a valid U.S. or APO/FPO/DPO home address.

    • Provide a valid U.S. mobile or VoIP number and agree to receive SMS text messages. The phone account must be registered in your name.

    • Provide your full name, email address, date of birth, and the last 4 digits of your social security number so Affirm can verify your identity.

  • How does Affirm work?

    Affirm loan-application process steps:

    1. At checkout, choose Pay with Affirm.

    2. Affirm prompts you to enter a few pieces of information: Name, email, mobile phone number, date of birth, and the last four digits of your social security number. This information must be consistent and your own.

    3. To ensure that you're the person making the purchase, Affirm sends 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 notifies you of the loan amount you're approved for, the interest rate, and the number of months you have to pay off your loan. You have the option to pay off your loan over three, six, or twelve months. Affirm states the amount of your fixed, monthly payments and the total amount of interest you'll pay over the course of the loan.

    5. To accept Affirm's financing offer, click Confirm Loan and you're done.

    After your purchase, you'll receive monthly email and SMS reminders about your upcoming payments. You can also set up autopay to avoid missing a payment. Your first monthly payment is due 30 days from the date that The Hair Shop processes your order.

  • 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.

    Affirm does not refund any paid interest.

  • How long does it take to get my money back in the event of a return?

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