Finance | You Move Me

Pay for your move over time with Affirm and never worry about the cost going up from what you initially agreed on day one.

Note that prequalifying will not impact your credit score

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Transparent

What you agree to pay at the start, is exactly what you will pay. It won't go up.

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A Payment Schedule That Works For You

Select a payment plan that works for you, on your schedule and budget.

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No Late Fees.

Affirm won't charge you any late fees. And there is no penalty for paying early.

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Pay Your Way

Pay your bill the way you would like to. Debit card, credit card, check, or bank transfer.

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Text & Email Reminders

You'll never forget to pay. You will receive email or text reminders for when your payment is due. Your first payment happens after 30 days.

Note that prequalifying will not impact your credit score

What is Affirm?

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Affirm is a financing alternative to credit cards and other credit-payment products. Affirm offers instant financing for online purchases to be paid in fixed monthly installments over 3, 6, or 12 months.

Why buy with Affirm?

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Buy and receive your purchase right away, and pay for it over several months. This payment option allows you to split the price of your purchase into fixed payment amounts that fit your monthly budget.
If Affirm approves your loan, you'll see your loan terms before you make your purchase. See exactly how much you owe each month, the number of payments you must make, and the total amount of interest you'll pay over the course of the loan. There are no hidden fees.
The application process is secure and real-time. Affirm asks you for a few pieces of information. After you provide this information, Affirm notifies you of the loan amount that you're approved for, the interest rate, and the number of months that you have to pay off your loan -- all within seconds.
You don't need a credit card to make a purchase. Affirm lends to the merchant directly on your behalf.
You may be eligible for Affirm financing even if you don't have an extensive credit history. Affirm bases its loan decision not only on your credit score, but also on several other data points about you.
Affirm reminds you by email and SMS before your upcoming payment is due. Enable Autopay to schedule automatic monthly payments on your loan.

What is required to have an Affirm account?

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To sign up for Affirm, you must:

Be 18 years or older (19 years or older in Alabama or if you're a ward of the state in Nebraska).
Not be a resident of Iowa (IA) or West Virginia (WV).
Provide a valid U.S. or APO/FPO/DPO home address.
Provide a valid U.S. mobile or VoIP number and agree to receive SMS text messages. The phone account must be registered in your name.
Provide your full name, email address, date of birth, and the last 4 digits of your social security number to help us verify your identity.

How does Affirm work?

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Affirm loan-application process steps:

Affirm prompts you to enter a few pieces of information: Name, email, mobile phone number, date of birth, and the last four digits of your social security number. This information must be consistent and your own.
To ensure that you're the person making the purchase, Affirm sends a text message to your cell phone with a unique authorization code.
Enter the authorization code into the application form. Within a few seconds, Affirm notifies you of the loan amount you're approved for, the interest rate, and the number of months you have to pay off your loan. You have the option to pay off your loan over three, six, or twelve months. Affirm states the amount of your fixed, monthly payments and the total amount of interest you'll pay over the course of the loan.
To accept Affirm's financing offer, click Confirm Loan and you're done.
At checkout, choose Pay with Affirm.

After your purchase, you'll receive monthly email and SMS reminders about your upcoming payments. You can also set up autopay to avoid missing a payment. Your first monthly payment is due 30 days from the date that we (the merchant) processes your order.

How does Affirm approve borrowers for loans?

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Affirm asks for a few pieces of personal information: Name, email address, mobile phone number, date of birth, and the last four digits of your social security number.
Affirm verifies your identity with this information and makes an instant loan decision.
Affirm bases its loan decision not only on your credit score, but also on several other data points. This means that you may be able to obtain financing from Affirm even if don't have an extensive credit history.

Does Affirm perform a credit check? Does it impact my credit score?

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Although Affirm performs a credit check when you apply for a loan, this won't impact your credit score. However, if you're approved and decide to buy with Affirm, your loan and payments may affect your credit score. Paying on time can help you build a positive credit history.

Why was I denied financing by Affirm?

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The merchant has no information regarding a customer's financing denial. Affirm strives to offer all credit-worthy applicants financing with Affirm, but isn't able to offer credit in every case. Affirm will send you an email with more details about its decision. Unfortunately Affirm's decision is final.

How do I make my payments?

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Before each payment is due, Affirm sends you an email or SMS reminder with the installment amount that is coming due and the due date. You have the option to sign up for autopay, so you don't risk missing a payment.

Follow these steps to make a payment:

Go to www.affirm.com/account.
Enter your mobile phone number. Affirm sends a personalized security PIN to your phone.
Enter this security PIN into the form on the next page and click Sign in.
After you sign in, a list of your loans appears, with payments that are coming due. Click the loan payment you would like to make.
Make a payment using a debit card or ACH bank transfer.

Affirm Financing

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