Affirm is available to customers in the United States, Canada, and the United Kingdom, subject to eligibility and approval.

For U.S. customers, Affirm is available to residents of the United States (including U.S. territories) who are at least 18 years old (19 in Nebraska), have a valid Social Security number, and own a U.S.-registered mobile phone capable of receiving SMS. Eligibility for Affirm financing is subject to Affirm’s credit review and approval.

For customers in Canada and the United Kingdom, eligibility requirements may vary by country and are determined by Affirm at checkout.

Checking your eligibility has no impact on credit. If you choose to move forward with a payment plan, Affirm may evaluate your credit as part of the approval process.

There are no late fees or hidden fees. In the U.S. and Canada, interest may apply depending on your payment plan. U.K. customers typically enjoy 0% APR for short-term installments.

Yes! You can pay off your balance anytime without penalty.

Yes. Affirm uses industry-leading encryption and security standards to protect your personal information.

You can make or schedule payments at affirm.com or in the Affirm app for iOS or Android. Affirm will send you email and text reminders before payments are due.

Absolutely! As long as your return is made within our return policy window and the item is eligible, we’ll be happy to process it. Once approved, your refund will be issued through Affirm. They’ll update your loan balance—if you’ve already made payments, those will either be refunded to your original payment method or applied to your remaining balance.  Please note that any interest paid on the loan is non-refundable. Our standard return policy applies.

You can visit affirm.com to explore all the details about how Affirm works, including payment options, eligibility, and how they protect your information. It’s a great resource if you want to dive deeper into their financing terms or get answers straight from the source.