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How to Apply with Affirm

Affirm is a popular online lending platform that provides customers with accessible credit options. With Affirm, customers can finance their purchases at a range of retailers, online and offline. The process of applying for an Affirm loan is straightforward, and this blog post will outline the steps that you need to take to apply.

Step 1: Choosing a Retailer that Offers Affirm Financing

The first step in applying for an Affirm loan is to select a retailer that offers Affirm financing. Affirm works with a variety of retailers across different categories such as home goods, electronics, travel, and fashion. You can find a list of retailers that accept Affirm on the Affirm website, or by looking for the Affirm logo on the retailer’s website.

Step 2: Shop and Add Items to Your Cart

Once you have identified a retailer that accepts Affirm financing, you need to shop as you would normally, and select the items you want to purchase. Add the items to your cart and proceed to the checkout.

Step 3: Choose Affirm as your Payment Method

At checkout, select Affirm as your payment method. You will be prompted to enter your shipping information, and then you will be taken to the Affirm application page.

Step 4: Fill in the Affirm Loan Application Form

To apply for an Affirm loan, you will need to provide some personal information. This includes your name, email address, mobile phone number, date of birth, and the last four digits of your Social Security number. You will also be required to create an account with Affirm if you haven’t already done so.

Step 5: Get Approved and Select Your Loan Terms

After filling in the loan application form, Affirm will evaluate your creditworthiness and provide you with a loan decision. If approved, you will be able to choose your loan terms, which include the loan amount, repayment period, and interest rate. Affirm provides a range of repayment options, from as little as three months up to 36 months.

Step 6: Submit your Payment and Complete your Purchase

Once you have selected your loan terms, submit your payment information and sign the loan agreement. Affirm will then process your loan, and the funds will be sent to the retailer to complete your purchase. You can make payments on your loan through your Affirm account, either online or through the Affirm mobile app.


Applying for an Affirm loan is an easy and straightforward process. By following the steps outlined above, you can apply for an Affirm loan and finance your purchases with ease. Affirm offers transparent terms and flexible repayment options, making it a popular alternative to traditional credit cards. If you’re looking for a simple and affordable way to finance your purchases, Affirm may be the perfect solution for you.