Last Updated: 11/04/2025
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Highlights
Affirm BNPL Review
Affirm BNPL is offered by Affirm Inc., a direct lender founded in 2012 and based in San Francisco, CA. Affirm BNPL are available in 49 states and Washington, DC.
Key Takeaways
- APRs starting at 10%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Affirm BNPL are on the higher end of the spectrum.
- Fast access to funds. If approved, you can sometimes get your money within 1 business day*.
- Prequalified rate. You can check your prequalified rate at Affirm Inc. with a soft pull that will not affect your FICO or VantageScore.
- No late fees. Affirm BNPL will not charge additional fees if you miss the due date on a payment.
- Short loan terms. Affirm BNPL have loan terms as short as 3 months.
Affirm BNPL Pros & Cons
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Affirm BNPL FAQ
What repayment plans does Affirm BNPL offer?
Affirm BNPL offers BNPL plans typically repaid over 3 months. While most BNPL services provide clear details about installment frequency and payment amounts, Affirm BNPL has not disclosed that information.
Does Affirm BNPL charge interest?
Interest starts at 10% APR and goes up to 30%.
How fast will you be approved or funded?
Affirm BNPL typically approves purchases instantly and funds them within 1 minutes.
Does Affirm BNPL check your credit?
Affirm BNPL only uses a soft credit check. This means applying won't affect your credit score.
Can you repay early?
Yes — there is no penalty for early repayment with Affirm BNPL.
What credit score is required?
Minimum credit score: 640
Does Affirm Inc. perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates. Affirm BNPL allows you to check your rates with a soft credit pull.
Is Affirm Inc. a legit company?
Affirm Inc. was founded in 2012, it is a well-established company that has been in business for 14 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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