What is AFFIRM?

Affirm is a financial technology company that offers installment loans to consumers at the point of sale, allowing them to make purchases and pay for them over time. Affirm provides a digital platform that enables shoppers to easily apply for loans and receive real-time decisions on their eligibility and interest rates.  In essence you can buy items online and pay over time for them!

What are the benefits?

Affirm‘s loan products are designed to be transparent and flexible, with no hidden fees or penalty charges. Customers can choose from a variety of repayment terms and can see the total cost of the loan upfront. Affirm partners with a range of merchants across various industries, including e-commerce, travel, and home goods, to offer financing options to their customers.
Affirm provides customers with a transparent and flexible financing option that allows them to make purchases they might not have been able to afford otherwise.

How does it work?

Apply for a loan: When a customer is ready to make a purchase, they can choose to pay with Affirm at checkout. They will then be prompted to apply for a loan by providing some basic personal and financial information.
Get approved: Affirm uses a proprietary algorithm to quickly evaluate a customer’s creditworthiness and provide an instant decision on their loan application. Customers can see the loan terms, including the interest rate, repayment period, and monthly payment amount, before accepting the loan.
Make the purchase: Once the loan is approved, the customer can complete the purchase and receive the item(s) they have bought.
Repay the loan: The customer will then make regular payments to Affirm over the course of the repayment period, which can range from three to 48 months.

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