Affirm lets you split your sofa purchase into easy monthly payments—without hidden fees or surprises. This article explains how Affirm works, what to expect, and how to check if you qualify.
Benefits of Using Affirm
Instant Eligibility Check
Enter a few details at checkout to see if you qualify—checking your eligibility won’t affect your credit score.Make Large Purchases More Affordable
Break down big purchases into manageable monthly payments that work with your budget and lifestyle.Transparent Pricing
No hidden fees. What you see is what you pay.
Payment Plan Examples
A $1,500 purchase can be split into 3 payments of $500/month at 0% APR.
A $1,079 purchase may be $98/month over 12 months at 10–36% APR.
A $769 purchase may be $70/month over 12 months at 10–36% APR.
Note: APR varies depending on your credit score. Some plans include 0% interest, while others range from 10% to 36%.
Eligibility Requirements
Minimum purchase of $50
Online purchases only
Subject to credit approval by Affirm
Available in the U.S. and U.S. territories
For more details, visit:
affirm.com/lenders
affirm.com/faqs
How to Use Affirm — Flexible Financing in 3 Steps
Add to Cart and Checkout
Shop your favorite sofas and proceed to checkout. Select Affirm as your payment option.
Pick a Payment Plan
Choose from 3, 6, or 12-month payment options. Review the terms and select the one that fits your budget.
Pay Over Time
Make easy, predictable payments. Receive reminders via email or text to stay on track. No late fees.
FAQs on Affirm Financing
1. Will Affirm affect my credit score?
Checking eligibility won’t affect your credit score. However, your credit may be affected if you make a purchase or miss payments.
2. Does Affirm charge interest or fees?
Affirm never charges late fees, prepayment fees, or annual fees.
Some purchases may include interest depending on your credit score, and the total will always be shown upfront.
3. What does it mean to prequalify?
Prequalifying means Affirm will estimate how much you can spend. There’s no obligation to use the full amount or make a purchase.
4. What if I don’t see Affirm at checkout?
If Affirm doesn’t appear during checkout:
Use the Affirm app or visit affirm.com
Search for the store
Generate a virtual one-time-use card
Complete your purchase online using the card
5. Will I always get 0% APR?
Not always. APR depends on your credit status. Some plans offer 0% APR for 3 months, while others may range between 10% and 36%.
6. How do I check my eligibility for Affirm?
At checkout, select Affirm, provide the requested details, and get a decision in seconds.
7. What happens if I miss a payment?
Affirm will send reminders if a payment is missed. There are no late fees, but missing payments may affect your credit score and future Affirm use.