How To Apply For Affirm

When you want to buy something expensive but don’t have the cash to pay for it upfront, Affirm can be a great option. Affirm is a financing company that allows you to split the cost of your purchase into smaller, manageable payments. In this article, we’ll go over how to apply for Affirm so you can start shopping with confidence.

What is Affirm?

Affirm is a lending company that offers personal loans, as well as financing for purchases made at certain retailers. To use Affirm, you’ll need to create an account and apply for financing. Once approved, you can use Affirm to pay for your purchase over time, with interest rates starting at 0%.

Step 1: Find a Retailer that Accepts Affirm

Before you can apply for Affirm, you’ll need to find a retailer that accepts it as a payment option. You can find a list of Affirm’s partner retailers on their website. Some popular retailers that accept Affirm include Walmart, Wayfair, and Peloton.

Step 2: Add Items to Your Cart

Once you’ve found a retailer that accepts Affirm, start shopping! Add the items you want to your cart and proceed to checkout. When it’s time to pay, select Affirm as your payment option.

Step 3: Create an Account

If you don’t already have an Affirm account, you’ll need to create one. This involves providing some basic personal information, such as your name, address, and social security number. Affirm will use this information to determine your eligibility for financing.

Step 4: Apply for Financing

Once you’ve created an account, you can apply for financing. Affirm will ask you some questions about your income and employment status, as well as run a credit check. Based on this information, Affirm will determine whether or not to approve you for financing, and if so, what your interest rate will be.

Step 5: Review and Accept the Terms

If you’re approved for financing, Affirm will present you with the terms of your loan. This will include the interest rate, as well as the total amount you’ll need to repay. Review the terms carefully to make sure you understand them, and then accept them if you’re comfortable with them.

Step 6: Complete Your Purchase

Once you’ve accepted the terms, Affirm will pay the retailer on your behalf. You’ll then need to make monthly payments to Affirm until your loan is paid off. You can do this through your Affirm account or by setting up automatic payments.


1. How long does it take to get approved for Affirm?

The approval process can take anywhere from a few seconds to a few days, depending on how much information Affirm needs to verify.

2. Can I use Affirm for any purchase?

No, Affirm is only accepted at certain retailers. You can find a list of Affirm’s partner retailers on their website.

3. Is there a minimum purchase amount for Affirm?

Yes, the minimum purchase amount for Affirm is $50.

4. What happens if I miss a payment?

If you miss a payment, you may be charged a late fee. Additionally, missing payments can hurt your credit score.


Now that you know how to apply for Affirm, you can start shopping with confidence. Remember to only apply for financing that you can afford to repay, and to always read the terms carefully before accepting them. Happy shopping!