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Buy Now Pay Later (BNPL)
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Last Updated: 11/04/2025

Affirm BNPL

in Buy Now Pay Later (BNPL) from Affirm Inc.

Last Updated: 11/04/2025

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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, Affirm Inc. will send the money in as little as 24 hours.
  • 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

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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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

225 Bush Street
San Francisco, CA 94104
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SuperMoney Net Recommendation Score

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The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Affirm BNPL Community Reviews

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