Creating an Affirm account and checking your purchasing power will not impact your credit score. If you decide to buy with Affirm, these things may impact your credit score: making a purchase with Affirm, your payment history with Affirm, how much credit you've used, and how long you’ve had credit.

To apply, you must meet these eligibility requirements: be a resident of the U.S. (including U.S. territories), be at least 18 years old, have a social security number, and have a phone number that receives SMS. Canadian resident? You can also use Affirm in Canada.

The easiest way to manage your payments is through your account on affirm.com or in the Affirm app. Once you sign in, you’ll be able to see your payment schedule and turn on AutoPay.

Your purchasing power is an estimate of how much you can spend with Affirm and it’s not a guarantee. You’re not on the hook to pay back this amount until you confirm your loan at checkout. For more information, visit our help center.

When you get a payment plan through Affirm to make a purchase at a store, Affirm pays the store for the total amount of your order upfront. Then you pay in installments to Affirm the loan amount you used for your purchase.

If you believe you are due a refund for your order, first contact the store directly where you made your purchase to confirm the refund. Affirm can't issue refunds or cancellations without confirmation from the store. The store will let you know if a return is possible and how much the refund will be, if eligible, according to their own return policy.

Once we receive confirmation from the store, the refund amount will show up in your loan timeline within 3–10 business days, and your balance will be updated. Different stores can issue different refunds according to their policy like partial or full amount refunds. For more information on how refunds work and how a refund will impact your payment plan, see About refunds.