Sleep Now, Pay Later with


Affirm & Cariloha have teamed up to offer easy financing - without a catch. There are no gimmicks like deferred interest or hidden fees, so the total you see at checkout is always what you'll actually pay. Provide some basic information and get instant approval to split your purchase into 3, 6, or 12 monthly payments with rates from 10-30% APR.




 

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Frequently Asked Questions



WHAT INFORMATION DOES AFFIRM REQUIRE?

Your Affirm account is created using your name, email, mobile phone number, birthday and last 4 digits of SSN. This combination helps Affirm verify and protect your entity.


HOW DO I PAY MY BILLS?

You can pay your Affirm bills online at www.affirm.com/pay. They accept payment by debit card, bank transfer and check.


DOES AFFIRM PERFORM A CREDIT CHECK?

Yes, when you first create an Affirm account, Affirm perform a 'soft' credit check to help verify your identity and determine your eligibility for financing. This 'soft' credit check will not affect your credit score.


WHY WAS I PROMPTED TO PAY A DOWN PAYMENT WITH A DEBIT CARD?

Affirms tries hard to approve every purchase but sometimes can't approve the full amount. When this happens, Affirm provides a debit card down payment option so that you may still complete your purchase right away.


WHY WAS I PROMPTED FOR A CHECKING ACCOUNT?

Affirm sometimes requires additional information to consider a credit application. Such information may include an active checking account, which helps Affirm verify your identity and your ability to repay the requested loan. If they prompt you for this information but you are unable to provide it, Affirm will be unable to approve your credit application.


View all Affirm FAQs