Creating an Affirm account and checking your purchasing power will not impact your credit score. If you decide to buy with Affirm, these things may impact your credit score: making a purchase with Affirm, your payment history with Affirm, how much credit you’ve used, and how long you’ve had credit. You can find more information in Affirm’s Help Center.

To apply, you must meet these eligibility requirements: be a resident of the U.S. (including U.S. territories), be at least 18 years old, have a social security number, and have a phone number that receives SMS. Canadian resident? You can also use Affirm in Canada.

The easiest way to manage your payments is through your account on affirm.com or in the Affirm app. Once you sign in, you’ll be able to see your payment schedule and turn on AutoPay.

Yes! There’s no penalty for paying early

You can make or schedule payments at affirm.com or in the Affirm app for iOS or Android. Affirm will send you email and text reminders before payments are due.

Yes—you can return an item you bought with Affirm by initiating the return process with the store.

Yes, you’ll need a mobile phone number from the U.S. or U.S. territories. This helps Affirm verify it’s really you who is creating your account and signing in.

You can visit their website at affirm.com.