Affirm is a fintech company that offers an alternative to traditional credit cards and loans. With Affirm, users can buy products or services from online merchants and pay for them over time, typically in fixed monthly installments. Affirm offers several advantages over traditional financing options, including transparent pricing, no hidden fees, and flexible repayment terms. One of the key benefits of using Affirm is its easy-to-understand pricing model. Unlike credit cards or other loans, Affirm's interest rates are clearly stated upfront and never change. This means that users always know exactly how much they'll be paying for their purchase and can make informed decisions about whether or not to proceed. Another advantage of Affirm is its flexibility. Users can choose from a range of repayment terms, from three months to 36 months, depending on the size of their purchase and their financial situation. This allows users to tailor their payments to their budget and avoid taking on debt that they can't afford. Overall, Affirm is an innovative solution that makes it easier for people to access the products and services they need without breaking the bank. By offering transparent pricing, flexible repayment terms, and a user-friendly interface, Affirm is changing the way people think about financing.
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Alternatives to Affirm
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How to use Affirm
Affirm is a loan company that enables users to buy goods or services offered by online merchants and pay off those purchases in fixed monthly payments. Here's how to use Affirm:
Step 1: Choose an Online Merchant To start using Affirm, you need to select an online merchant that accepts the service as a payment method. Once you have found the merchant you want to shop with, proceed to checkout.
Step 2: Select Affirm at Checkout When checking out, look for an option to pay with Affirm. If this option exists, click on it and enter the required information, including your name, email address, mobile number, and date of birth.
Step 3: Apply for a Loan After providing your personal details, you will be prompted to apply for a loan through Affirm. You will need to provide additional information, such as your social security number, employment status, and annual income. Affirm will then evaluate your creditworthiness and determine whether or not you are eligible for a loan.
Step 4: Choose Your Payment Plan If you are approved for a loan, you will be presented with various payment plans. These plans typically include options for the length of the loan term, interest rate, and monthly payments. Review the options and select the one that works best for you.
Step 5: Complete Your Purchase Once you have selected your payment plan, review the terms and conditions and complete the transaction. You will receive a confirmation of your purchase and payment plan via email.
Step 6: Pay Your Monthly Installments After completing your purchase, you will be responsible for making your monthly installment payments until your loan is paid off. It is important to make these payments on time to avoid late fees and negative impacts on your credit score.
In conclusion, using Affirm is a straightforward process that allows customers to purchase goods or services from online merchants and pay for them in monthly installments. By following these steps, you can take advantage of this loan service and enjoy the flexibility it offers for making purchases.
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