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What is Affirm Financing


With Affirm you can buy now and pay later. You have the option to pay over time. "Buy with Affirm" is a closed-end installment loan product with standard terms of 3, 6, or 12 months (other terms may be available at select merchants) offered by Cross River Bank through Affirm's technology platform. Loan term options may vary based on purchase price and merchant. "Buy with Affirm" allows you to buy goods or services offered by merchants ("Merchants") for personal use. If you agree to use "Buy with Affirm," Cross River Bank will pay the Merchant on your behalf in exchange for your promise to repay the same amount plus a finance charge as determined by your creditworthiness.

Your Promise To Pay

Before completing any transaction on your behalf through any Affirm Services, Affirm will secure your promise to pay by disclosing the terms and conditions applicable to that transaction and securing your affirmative consent to those terms for that transaction, including your promise to pay the Total Payments amount to Cross River Bank or its assigns, by asking you to click the button to confirm your loan.

Interest Rates

"Buy with Affirm" rates range from 10% to 30% fixed Annual Percentage Rate ("APR"), depending on your creditworthiness (0% APR is offered at select merchants). "Buy with Affirm" loans are simple interest loans, which means that interest accrues daily on the unpaid principal balance, up to the amount of the finance charge, until you pay the loan in full. If, however, you pay your loan off early, the Prepayment Refund terms below may apply.

Finance Charge

The "Buy with Affirm" service is subject to a finance charge based on the applicable interest rate determined by your creditworthiness. Affirm will always disclose the specific finance charge before you agree to any loan.

First Payment

Your first payment will be due no sooner than 15 days after Cross River Bank pays a merchant on your behalf pursuant to the "Buy with Affirm" service.

Late Payment Fee

You will never be charged any late fees for using "Buy with Affirm.

Payment Allocation

Payments that you make will be applied first to accrued unpaid interest then to the unpaid principal balance. For loans that are delinquent, your payment will be applied first to past due amounts, then to your current monthly payment. For loans that are charged off, your payment will be applied first to the unpaid principal balance, then to accrued unpaid interest.

Partial Prepayments

Payments in excess of your currently scheduled payment will be applied to your unpaid principal balance and will not be used toward your next scheduled payment. Thus, your monthly scheduled payment amounts will remain the same except for your final payment.

No Prepayment Penalty

You may prepay your loan in full at any time without penalty.

Prepayment Refund

You are entitled to a refund of any amounts you pay in excess of the remaining principal balance and accrued interest as of the date of prepayment. We, however, may set off any amounts you are entitled to against any amounts you owe on any other "Buy with Affirm" loan or owe us otherwise. In lieu of a prepayment refund, you may satisfy your repayment obligation under the "Buy with Affirm" service on any date prior to the date of the final payment by paying Affirm an amount equal to the unpaid balance, less the required rebate as of the date of such a payment.

Delays In Processing

In some cases when you attempt to use "Buy with Affirm" to make a purchase, the transaction may be held as pending or be otherwise delayed for processing and confirmation by either Affirm or the merchant and can be cancelled at any time until it is confirmed by Affirm.

Cancelling Transactions

Affirm may choose not to provide service to you or to specific merchant sites at any time for any reason, including but not limited to, your creditworthiness, your history of transactions on our site, the merchant's account history or any other reason. Affirm may cancel transactions at any time before a Merchant delivers any goods or services if you violate any term of this Agreement.

Acceptable Payment Methods

You may use one of the acceptable methods of payment to make one-time transactions to pay your account as payments become due or you may set up automatic monthly account payments.

Currently acceptable methods of payment are:

Debit Card - Payments made by debit card will be subject to the terms and conditions established by the debit card issuer. If charges cannot be processed through your debit card, or if your bank draft or electronic funds transfer is returned for insufficient funds, you will be responsible for any fees incurred and Affirm will have no liability with respect thereto.

ACH Transfer - You may pay your account balance by authorizing an Automated Clearing House (ACH) transaction from your bank account.

Check - You may pay your account balance by writing a check payable to the order of: Affirm, Inc.

Please send all checks to: Affirm, Inc., P.O. Box 720, San Francisco, CA 94104.

For more information and a complete list of Affirm's Terms & Conditions, please visit their page here: Click Here


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