With Affirm, our diamonds are more accessible than ever before.

Affirm strives to keep you out of unhealthy debt by facilitating fair, transparent credit so you can pay over time for the things you love. We offer affordable monthly payments at a pace you choose—usually 3, 6, or 12 months—so you're in control. From day one, you know how long you'll pay, and you know how much you'll pay because we never charge late fees or other hidden fees.

These things won’t affect your credit score:

• Creating an Affirm account

• Checking your purchasing power

These things may affect your credit score:

• Your payment history with Affirm

• How much credit you've used

• How long you’ve had credit

• Making late payments

Affirm doesn’t approve every application, so you may be approved for a loan at some stores but not others, or may already have an Affirm loan but not be approved for another right now.

Affirm’s customer care team can not change the outcome of any application, provide specific details as to why you were declined, or suggest changes in order to get approved. If your application can’t be approved, Affirm will send you an email explaining more about their decision. You can also find more information here:

• Declined Loans: First-Time Customers

• Declined Loans: Returning Customers

• Improving Your Eligibility

If your application was declined, you may still be eligible to use Affirm for a different purchase. Each loan application is considered separately, and checking your eligibility doesn’t harm your credit score.

Your first monthly payment is usually due one month after Affirm process your purchase. Each following payment will be due one month later, on the same day of the month.

Unfortunately, Affirm can’t change your monthly due date. However, you can make automatic payments on a date of your choice if you turn on AutoPay. Click here to learn how to set up autopay.

For more information about how to make a payment click here.

You can pay with your debit card, checking account, or Affirm Savings account for all Affirm purchases on affirm.com or in the app. You can also mail Affirm a check.

For some purchases, you can pay by credit card for the down payment and installments.

Pre-paid cards will not be accepted for down payments but can be used to make monthly payments.

You can also set up AutoPay - a method that will automatically debit your monthly payment from your debit card, checking account, or Affirm Savings account on each due date. For more information, visit Managing autopay.

If you would like to make a payment before your payment due date, you can absolutely do that. There are no penalties or fees for paying early. You may even save money on interest by choosing to pay off your loan early.

Every extra penny paid goes toward your total purchase balance. Depending on how much you overpaid, you can expect fewer monthly payments, a smaller final payment, or both. You’ll also save on any interest that hasn’t accrued yet.

If you’re going to be late on a payment, you can sign in to your Affirm account and schedule a payment as soon as possible.

Affirm doesn’t charge late fees, but partial payments or late payments can hurt your credit score, affecting your chances of getting another loan with Affirm.

You could also schedule your payments and Affirm will continue sending reminders by email and text message until any remaining balance is settled, but you won’t receive calls about your loan.

To schedule a payment click here.