To use Shop Pay Installments, you need to have a United States billing and shipping address and be signed up for Shop Pay. Some limitations apply.

Affirm customers must: Be a resident of the U.S. (including U.S. territories). Be at least 18 years old (19 if you’re a ward of the state in Nebraska). Have a Social Security number. Own a phone number that receives SMS and is registered to the United States or U.S. territories.

Your remaining payments are automatically charged to your card saved on Shop Pay based on the payment plan you chose.Don't worry, you'll get an email reminder before each payment to remind you. You can also make a manual payment by logging into your Shop Pay account here.

You can pay your Affirm bills online at www.affirm.com/pay or enable Autopay. They accept payment by debit card, bank transfer and check.

If you choose to pay for your order in four biweekly installments, then your credit score isn't impacted.

If you choose to pay for your order in monthly payments, and don't make your payments on time, then your credit score might be affected. Only monthly payment options might impact your credit score.

No—your credit score won’t be affected when you create an Affirm account or check your eligibility. If you decide to buy with Affirm, this may impact your credit score. You can find more information in Affirm’s Help Center.

For non-interest bearing orders, debit and credit cards are accepted through Shop Pay. For interest bearing orders, you can only pay using a debit card.

Yes! There’s no penalty for paying early.

Yes, 20,000 USD is the order value limit that applies to purchases using Shop Pay Installments, including discounts, shipping, and taxes.

Affirms tries hard to approve every purchase but sometimes can't approve the full amount. When this happens, Affirm provides a debit card down payment option so that you may still complete your purchase right away.

There are no late fees for customers who miss a scheduled payment. However, partial payments or late payments might impact your credit score, or your eligibility to use Shop Pay Installments in the future. If you have questions about a missed installment payment, then you can contact Affirm support for assistance.

Affirm sometimes requires additional information to consider a credit application. Such information may include an active checking account, which helps Affirm verify your identity and your ability to repay the requested loan. If they prompt you for this information but you are unable to provide it, Affirm will be unable to approve your credit application.

After your refund is processed, the refund amount will be applied to your original payment method within 3-10 business days and your balance will be updated.

If your refund is less than your total purchase balance, then it might not lower your next payment. Instead, you can expect fewer payments, a smaller final payment, or both.

If your refund is more than your purchase balance, then the difference is returned to your original payment method within 3-10 business days.

If your order is made with interest payments, then the paid interest isn't refunded. When you make payments, the funds are first applied to the accrued unpaid interest and then to the principal. Interest is the cost of borrowing, and isn't refundable.

Yes—you can return an item you bought with Affirm by initiating the return process with Assault Fitness.