At Sohnne, we partner with Affirm to offer a smart, hassle-free payment plan that adapts to your needs. Whether you're upgrading your home office, refreshing your living space, or adding luxury decor, Affirm lets you split payments into easy installments—with no hidden fees, no surprises.
Benefits of Using Affirm
Instant Eligibility Check
Enter 5 simple details and see if you qualify—won’t affect your credit score.
Example Payment: A $1,500 purchase can be split into 3 easy payments of $500 per month over 3 months at 0% APR—no interest, no hidden fees.
Make Big Purchases More Affordable
Spread the cost without stress. Break up large purchases into manageable monthly payments that fit your budget and lifestyle.
No Hidden Fees, No Surprises
What you see is what you pay. Transparent pricing with clear terms.
Payment Plan Examples
A $1,500 purchase could cost just $500 per month over 3 months at 0% APR.
A $1,079 purchase might be $98/month over 12 months at 10–36% APR.
A $769 purchase might be $70/month over 12 months at 10–36% APR.
📌 Note: Your APR rate varies (0% to 10–36%) based on credit score and eligibility. Payment terms, including down payment requirements, depend on your purchase amount and credit status.
Eligibility Requirements
✅ Minimum cart value of $50 to qualify.
✅ Online purchases only—available exclusively on our website.
✅ Credit approval required—final terms depend on your credit status.
Affirm is available exclusively in the U.S. and U.S. territories for a limited time.
For more detailed information, visit:
📌 affirm.com/lenders
📌 affirm.com/faqs
How to Use Affirm—Flexible Financing in 3 Steps
1. Add to Cart & Checkout
Browse your favorite items and add them to your cart.
At checkout, select Affirm as your payment option.
2. Pick a Payment Plan
Choose from 3, 6, or 12-month installment options.
Tailor your payment schedule to match your budget.
3. Pay Over Time
Simple, easy-to-understand payments.
No hidden fees—ever. Receive reminders via text or email to stay on track.
FAQs on Affirm Financing
1. Will Affirm affect my credit score?
Creating an Affirm account and checking if you prequalify will not affect your credit score. However, the following factors may impact your score:
Making a purchase using Affirm.
Your payment history with Affirm.
How much credit you’ve used.
How long you’ve had credit with Affirm.
2. Does Affirm charge interest and fees?
No hidden fees! Affirm does not charge:
✅ Late fees
✅ Prepayment fees
✅ Annual fees
✅ Account opening or closing fees
However, some purchases may include interest, depending on your credit score and where you're shopping. The total interest is always displayed upfront before you complete your purchase.
3. What does it mean to prequalify?
Prequalifying means you get an estimate of how much you can spend with Affirm. You don’t have to use the full amount, and you’re not obligated to make a purchase.
4. What if I don’t see Affirm at checkout?
If you don’t see Affirm as a payment option at checkout, you can still pay over time by:
Downloading the Affirm app (or logging in at affirm.com).
Selecting the store you want to shop at.
Getting a one-time-use virtual card to complete your purchase online or in-store.
Paying back over time through Affirm.
5. Will I always get 0% APR?
Your APR rate is based on your credit score and eligibility. While some purchases qualify for 0% APR for 3 months, others may have interest rates ranging from 10% to 36% APR, depending on your credit history.
6. How do I check my eligibility for Affirm?
Checking your eligibility is simple and won’t affect your credit score. Just:
Select Affirm at checkout.
Provide the necessary details.
Get a real-time decision in seconds.
7. What happens if I miss a payment?
If you miss a payment, Affirm will send reminders via email and text to help you stay on track. Affirm does not charge late fees, but missing payments may:
Impact your eligibility for future Affirm financing.
Affect your credit score.