1. Will using Affirm affect my credit score?
Checking your eligibility with Affirm will not affect your credit score.
However, the following factors can impact your credit score:
Completing a purchase through Affirm.
Your repayment history with Affirm.
Your total credit utilization.
The length of your credit history with Affirm.
2. Does Affirm charge interest or fees?
Affirm has no hidden fees:
No late fees.
No prepayment fees.
No annual fees.
No account setup or closure fees.
Some purchases may include interest charges depending on your credit profile. All applicable rates are displayed clearly before you confirm your purchase.
3. What does it mean to prequalify?
Prequalification gives you an estimated spending limit with Affirm before you commit to a purchase.
You’re under no obligation to use the full amount or proceed with a purchase after prequalifying.
4. What if I don’t see Affirm at checkout?
If Affirm isn’t available as a payment option during checkout, you can:
Log in to the Affirm app or visit affirm.com.
Select Sohnne® or your preferred store.
Request a one-time-use virtual card to complete your order.
Pay over time with Affirm’s installment plans.
5. Will I always get 0% APR?
Not all purchases qualify for 0% APR.
Your APR depends on your credit eligibility and the terms offered at checkout.
Many orders may qualify for 0% APR for 3-month plans, while others may have interest rates between 10%–36% APR.
6. How do I check my eligibility for Affirm?
Choose Affirm as your payment method at checkout.
Enter the requested details.
Get your approval decision in seconds.
(Checking eligibility will not affect your credit score.)
7. What happens if I miss a payment?
Affirm will send reminders via text and email.
While there are no late fees, missing payments can:
Lower your chances of future Affirm approval.
Negatively impact your credit score.