---
title: Affirm Financing
url: https://octoolhouse.com/affirm-financing/
date: 2023-09-26T21:44:11+00:00
modified: 2026-01-23T23:47:35+00:00
lang: en_US
---

# Affirm Financing

## Make 4 easy payments with Affirm Financing!

## When inspiration strikes, say yes with confidence — knowing you’ll never pay more than the amount disclosed up front.

## **Buying with Affirm Financing is simple**

## Fill up Your Cart! Minimum Cart Total of $50

![Checking out with Affirm Financing](https://octoolhouse.com/wp-content/uploads/2023/09/Untitled-design-2023-09-26T122355.534.png)

### When you’re done shopping, select Affirm at checkout

## Choose how you pay

![Checking out with Affirm screen 2](https://octoolhouse.com/wp-content/uploads/2023/09/Untitled-design-2023-09-26T122327.690.png)

### Enter a few pieces of info for a real-time decision.

## Pay over time

![Final screen checking out with Affirm](https://octoolhouse.com/wp-content/uploads/2023/09/Untitled-design-2023-09-26T122556.876.png)

### Make 4 payments every 2 weeks at affirm.com or in the Affirm app.

## Questions?

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Can I pay off my purchase early?

Yes! There’s no penalty for paying early.

How do I make my payments?

You can make or schedule payments at [affirm.com](https://www.affirm.com/ "affirm.com") or in the Affirm app for iOS or Android. Affirm will send you email and text reminders before payments are due.

Does checking my eligibility affect my credit?

No, your credit won’t be affected when you create an Affirm account or check your eligibility (including checking your pre-qualification eligibility). When you apply for or check to see if you prequalify for Affirm financing, it’s considered a soft inquiry, which does not affect your credit. If you decide to pay with installments through Affirm, your payment plan and repayment activity may be reported to credit bureaus. You can find more information on Affirm’s Help Center.

Do I need a mobile number to use Affirm Financing?

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.

Where can I learn more about Affirm Financing?

You can visit their website at [affirm.com](https://www.affirm.com/ "affirm.com").

What is the miminum order?

Your cart total must be at least $50 to use Affirm at checkout.

## Important Information

Rates from 0–36% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: [affirm.com/lenders](http://affirm.com/lenders). Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. For licenses and disclosures, see [affirm.com/licenses](http://affirm.com/licenses). For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR.

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