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Frequently Asked Questions

Who is eligible to use Affirm?

You need to be a US resident and at least 18 years old to create an account on Affirm and to pre-qualify or get approved for a loan. For residents of Nebraska and Alabama, the minimum age requirement for the same is 19 years. Residents of Iowa and West Virginia cannot create an Affirm account.

What information does Affirm require?

Your Affirm account is created using your name, email, mobile phone number, birthday and last 4 digit of SSN. This combination helps us verify and protect your identity.

How do I sign up for Affirm?

Select Affirm as your payment method while checking out online with any Affirm merchant partner. Just follow the easy sign up steps while you check out.

How do I pay my bills?

You can pay your Affirm bills online at We accept payment by debit card, bank transfer and check.

**Your rate will be 10–30% APR based on credit, and is subject to an eligibility check. Payment options through Affirm are provided by these lending Options depend on your purchase amount, and a down payment may be required.