Join the Affirm Partner Program (2024)

FAQs

What is Affirm partners? ›

The Affirm Partner Program is designed to help your business grow while providing new value to the merchants you work with. As a partner, you'll be able to tap into our premium network and unlock the powerful tools, resources, and support you need to drive your business—and help your merchants build theirs.

The lender has no minimum credit score to qualify for a loan, and checking whether you prequalify will not damage your credit score.

Approval is not guaranteed for every application.

Safe and secure. Your funds are insured up to $250,000 through our partner, Cross River Bank, Member FDIC.

Affirm offers two personal loan options. You may use Affirm to borrow money for purchases through partner stores.

When you shop from the list of thousands of approved retailers, you'll see the option to use Affirm online at checkout. Or for physical stores, an Affirm virtual card is available for payment. Affirm's strongest suit is its major-retailer options for grocery shopping including Target, Walmart and BJ's Wholesale Club.

Affirm Holdings, Inc. is an American financial technology company founded by PayPal co-founder Max Levchin in 2012. It offers point-of-sale installment loans for shopping. Affirm tops the U.S. buy now, pay later sector, reporting nearly 18.7mn users and $26.6bn in annual gross merchandise volume, as of 2024.

Can I use Affirm to pay bills? No. Affirm's terms of use prohibit using an Affirm loan to pay other debt, such as your credit card bill. And you can't use Affirm to pay utilities or other bills, either.

When you borrow with Affirm, your positive payment history and credit use may be reported to the credit bureaus. This can help you build credit with the credit bureaus as long as you make all of your payments on time and do not max out your credit.

Why won't Affirm approve me anymore? ›

Your loan application may be affected by any or all of the following: Your credit score. Your credit utilization. Your payment history with Affirm, including overdue payments, deferred payment, and loan delinquency.

You can't use loans through Affirm for:

Narcotics and drug paraphernalia. Currency, including cryptocurrency. PayPal, Venmo, and other money transfer services. Cash advances.

Things like paying bills on time, reducing debt balances, and limiting how often you apply for new credit could work in your favor for getting a higher credit limit with Affirm or any other lender.

You can use your Affirm Card to pay over time for gas (where Visa is accepted). Make sure to link your bank account to your Affirm Card before swiping. How to pay over time for gas: Make sure to link your bank account to your Affirm Card.

Affirm currently reports some loans and repayment activity to Experian and may report to other credit bureaus in the future. Typically, your first monthly installment loan with Affirm is reported. After you've had at least one loan furnished, Affirm won't report subsequent loans unless they become 30+ days overdue.

Affirm Holdings, Inc. is an American financial technology company founded by PayPal co-founder Max Levchin in 2012. It offers point-of-sale installment loans for shopping.

Affirm is a Buy Now, Pay Later (BNPL) financial services tool that allows consumers to purchase goods and services with full transparency and with no hidden fees that are associated with traditional loans. Other consumer benefits of using Affirm: Quick and easy. Checkout is simple at any store that accepts Affirm.

Affirm asks for a few pieces of personal information: name, email address, mobile phone number, date of birth, and the last four digits of your social security number. Affirm verifies your identity with this information and makes an instant loan decision.