Affirm Credit Login, Payment, Customer Service, and More

Credit cards, financing solutions, buy now, pay later, etc., are the options everyone doesn’t mind having nowadays. With the skyrocketing inflation rates and the urge to get your most-needed product or service can be very hard to manage simultaneously. The solution to this problem is the credit card companies and financing solution providers.

Affirm is also such a solution that allows people to take advantage of its financing solutions and credit card to fund the most important expense that can’t wait. Many people are unsure about the working of Affirm and if the company issues credit cards to customers. Therefore, we are going to talk about Affirm in today’s article.

Affirm_Debit_Card

We will decode everything you should know about Affirm credit and the financing solutions offered by the company. We will also walk you through the process of registration, logging in, paying bills, and contacting the company’s customer service.

So let’s get into it.

What Is Affirm Credit?

Affirm is an American fintech company based in the United States. The company, headquartered in San Francisco, was established in 2012. Affirm operates as a consumer financial lender and is registered as a publicly traded financial technology company.

Affirm is more like a payment solution and financing solution packed into one service for the consumers. The company claims that they facilitate consumers to shop anywhere and anything with Affirm and pay the money at their own pace for no additional fees or charges. You can get loans from Affirm for making different purchases.

If we talk about Affirm Credit, the company also allows users to have a virtual credit card that can be used for purchases. We will talk about it in the next sections of the article.

How Does It Work?

Affirm allows its customers to purchase anything and add the Affirm account at checkout. The amount of the purchases will be paid by Affirm, which the consumer can return in four equal installments without any extra charges. Alternatively, you can order a virtual credit card issued by Affirm through your Affirm account.

Here is how the Affirm credit works:

  1. Get to your favorite brand’s website for online shopping and add everything you want to purchase to the card. For in-store purchases, you can also use Affirm to pay your bill and return it in easy installments.
  2. On checkout, choose the payment option from Affirm’s available choices.
  3. Confirm the purchase. You can also set up AutoPay so that the monthly or weekly installments are deducted automatically and you’re never late on a payment.

Features Of Affirm Credit Card

Here are the main features of Affirm Credit or the virtual credit card you can get with your Affirm account:

Use On Selected Partners of Affirm

Unlike regular credit cards, you can not use your virtual credit card anywhere without any limitations. Instead, the virtual credit card issued by Affirm can only be used at the partner stores and companies of Affirm.

Online Purchases Only

Although Affirm allows you to use the payment option for in-store shopping, the virtual credit card of Affirm can’t be used for in-store shopping. You can use the card to make purchases at online shops of the partner companies of Affirm.

No Annual Or Late Fee Charges

The company doesn’t charge any annual fee for your credit card. Besides, you don’t have to worry about the late payment of the amount as there is no late fee charge for Affirm customers.

Flexible Financing And Repayment

You can choose how much money you want to lend and how you want to pay it back. You can choose monthly payments as well as weekly payments depending on your comfort of paying back.

Higher Purchase Limit

The purchase limit or lending limit of Affirm virtual cards is higher than the regular credit cards you get from stores and credit card companies.

Interest Rate Is Higher Than Normal Options

Everything has pros and downsides, and when it comes to Affirm credit, the downside of the financing solution is higher interest rates than normal.

No Impact On Your Credit Score

When you choose to run a pre-qualification test of Affirm, you don’t have to worry about any impact on your credit score. The company doesn’t check your credit score when running the pre-qualification test. Therefore, your credit score will remain ythe same for using the pre-qualification tool.

How To Qualify For Affirm Credit Card?

You must be excited to know more about Affirm credit and virtual credit cards. There are no strict qualification requirements or criteria to get approved for Affirm Credit. However, you can check if you pre-qualify for the Affirm credit card.

The general terms and conditions for Affirm credit are as follows:

  • You must be a legal resident of the United States
  • You must be at least 18 years old at the time of your Affirm application
  • You must have a government-issued Social Security Number
  • An active US-registered mobile number to receive texts

When the company is considering you for lending, the company checks your credit utilization, income, debt-to-income ratio, current bankruptcies, and prior payment history.

Application Process To Get a Virtual Card

If you want to get your Affirm virtual card, you can order one from the Affirm app. However, you will need to register your online account first. Therefore, it is necessary to know about the Affirm account and credit card registration.

How To Register Your Affirm Credit Card Online?

Here is the step-by-step process to register your Affirm credit account online:

  1. Visit the official website of Affirm and choose Sign In from the top menu. It will redirect you to the sign-in page, where you have to provide your mobile number for logging in.
  2. Since you don’t have an account, click on Don’t Have an account? Create one.
  3. It will open the sign-up page, where you will provide your phone number in the empty field.
  4. Click on Continue.
  5. Enter your full name and email address in the empty fields on the sign-up page.
  6. Also, provide your date of birth and the last four digits of your SSN.
  7. Click on Create Your Account.

You can use the same method to sign up for Affirm account on your mobile phone browser or Affirm’s mobile phone app.

How To Access Affirm Card Account?

Once you have created your account with Affirm, here are different ways you can access your account:

Online

If you want to log in to your Affirm account from your desktop or mobile browser, here is what you need to do.

  1. Visit the official website of Affirm and click on Sign In from the main menu.
  2. Enter your registered mobile number and click on Continue.
  3. A four-digit passcode will be sent to your registered mobile number. Enter it in the empty field.
  4. Click on Continue to log in to your Affirm account.

Affirm App

For mobile app users, here is the method to sign in to your Affirm account:

  1. Install the Affirm mobile app from Google Play Store or Apple Store.
  2. Launch the app and provide your registered mobile number in the empty field.
  3. Click on Continue, and your mobile number will receive a four-digit verification number.
  4. Enter the number in the required field and complete the verification.
  5. You will be logged in to the account dashboard from where you can manage your Affirm account.

Payment Methods For Affirm Card

Here are different methods you can use to pay your Affirm bill:

Online

You will log in to the online account you created from your desktop or mobile browser. Select the Pay option from the main menu and you can choose what you want to purchase with your Affirm account. Once chosen, click on One-Time Payment, choose the amount you want to pay, and the time of the payment. Review the information and submit it for payment processing.

Mobile App

You can also use the Affirm mobile app to pay for the purchases you want to make. Launch the mobile app of Affirm and sign in to your account. Go to Manage from the main menu and tap on purchases. Choose the payment details like amount, date, method, etc. Click on Pay now and complete the payment.

Via Mail

Affirm also allows customers to pay their bills via the company’s mailing address. You can send your checks or money orders to the following mailing address:

Affirm, Inc.
30 Isabella Street, Floor 4
Pittsburgh, PA 15212

Via Phone Call

If you want to pay your bill via phone, you can call the customer service number between 7 am and 10 pm seven days a week. Talk to the customer support representative and follow the on-call instructions to proceed with your Affirm card payment.

The number for calling Affirm is as follows:

855 423 3729

Customer Service Of Affirm

Phone

Customer care support is available during working and normal business hours. You can call on the following number to talk to customer support:  1-855 423 3729

Mail

Alternatively, you can send your credit card-related queries to the mailing address of Affirm Inc., given below:

Affirm, Inc.
30 Isabella Street, Floor 4
Pittsburgh, PA 15212

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