How to get an Affirm credit card?

How to Get an Affirm Credit Card

If you’re looking to make purchases with the flexibility of paying over time, an Affirm credit card may be the perfect solution for you. Affirm offers transparent financing options that allow you to split your purchases into simple monthly payments. Here’s a step-by-step guide on how to get an Affirm credit card:

Step 1: Check if You’re Eligible

Before applying for an Affirm credit card, make sure you meet the eligibility criteria. You must be at least 18 years old, have a valid U.S. or APO/FPO/DPO mailing address, and provide a valid U.S. mobile number.

Step 2: Apply for an Affirm Account

To get started, visit the Affirm website or mobile app and create an account. You’ll need to provide some basic information such as your name, email address, date of birth, and the last four digits of your social security number.

Step 3: Prequalify for an Affirm Credit Card

Once you’ve created an account, you can check if you prequalify for an Affirm credit card. This process won’t affect your credit score and will give you an idea of the terms you may qualify for.

Step 4: Complete the Application

If you prequalify for an Affirm credit card, you can proceed with the application. You’ll need to provide additional information such as your full social security number, income details, and employment status.

Step 5: Review and Accept the Terms

After submitting your application, review the terms and conditions of the Affirm credit card. Make sure you understand the APR, fees, and payment options before accepting the offer.

Step 6: Start Using Your Affirm Credit Card

Once your application is approved, you can start using your Affirm credit card to make purchases online or in-store. You’ll have the flexibility to pay over time with transparent monthly payments.

Frequently Asked Questions about Affirm Credit Cards

1. Can I use an Affirm credit card anywhere?

No, Affirm credit cards can only be used at select merchants that offer Affirm financing options.

2. Is there an annual fee for an Affirm credit card?

Affirm doesn’t charge an annual fee for their credit card.

3. What is the minimum credit score required for an Affirm credit card?

Affirm doesn’t disclose a specific minimum credit score requirement for their credit card.

4. How long does it take to get approved for an Affirm credit card?

The approval process for an Affirm credit card can vary, but you may receive a decision within minutes of submitting your application.

5. Can I pay off my Affirm credit card early?

Yes, you can pay off your Affirm credit card early without any penalties.

6. Is there a late payment fee for an Affirm credit card?

Affirm may charge a late payment fee if you miss a payment deadline.

7. Can I have more than one Affirm credit card?

You can only have one Affirm credit card account at a time.

8. Can I use my Affirm credit card for cash advances?

No, Affirm credit cards cannot be used for cash advances.

9. Is there a sign-up bonus for getting an Affirm credit card?

Affirm doesn’t offer a sign-up bonus for their credit card.

10. Can I transfer balances from other credit cards to my Affirm credit card?

No, Affirm credit cards do not offer balance transfer options.

11. How do I make payments on my Affirm credit card?

You can make payments on your Affirm credit card through the Affirm website or mobile app.

12. Can I add an authorized user to my Affirm credit card?

Affirm credit cards do not currently offer the option to add authorized users to the account.

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