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  Affirm

Affirm

in Personal Loans from Affirm

Unaffiliated

Affirm

Unaffiliated

in Personal Loans from Affirm

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Mostly recommended

2 users recommend
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2 users don't recommend
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Highlights
Highlights
Community Rating Mostly recommended
Loan Amount N/A
APR (Fixed APR) 10% - 30%
Loan Term (Months) 3 - 12

Overview

Where does Affirm do business?

Affirm is a direct lender based in San Francisco, CA. Founded in 2012, Affirm offers access to personal loans in 49 states (and Washington, DC).

What rates and terms does Affirm offer?

What personal loan APRs does Affirm offer?

Affirm offers a fixed APR personal loan product that ranges from 10% APR up to 30% APR.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

What can a personal loan from Affirm be used for?

Personal loans from Affirm are typically used for special purchases, debt consolidation, home improvement projects, weddings, unexpected expenses or similar purposes.

What is the maximum loan term you can get with Affirm?

Affirm offers personal loans with terms ranging from 3 to 12 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

Affirm Rates & Terms
Loan Amount N/A
Loan Term 3 - 12 months
APR 10% - 30%

What fees does Affirm charge?

Does Affirm charge an origination fee?

Affirm charges a loan origination fee.

Does Affirm charge a late fee?

No, Affirm will not charge you a late fee.

Does Affirm charge prepayment fees?

No, Affirm does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

Affirm Fees
Origination Fee N/A
Prepayment Fee? No
Late Payment Fee N/A

What do you need to qualify for a loan with Affirm?

Applicants with a credit score of at least 640 can apply for a loan via Affirm . The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

Active duty servicemembers and their covered dependents are eligible to apply for a loan via Affirm. Their rates fall within the limits of The Military Lending Act.

Affirm Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Joint Applications Accepted? Yes
Credit Score 640 - 850

What is the estimated funding time for a personal loan via Affirm?

Affirm will typically approve (or deny) a loan application within 1 hour and fund personal loans within 7 business days of approval.

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Contact

  • Headquarters
  •   225 Bush Street
    San Francisco, CA 94104 USA
  •   Visit Site

About Affirm

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 49 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Wisconsin
  • Wyoming

Feature Breakdown

No Prepayment Fee  
No Late Fees  
Minimum Age 18
Credit Score Range 640 - 850
Immigration Status Considered
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Joint Loan Applications Accepted
  • Individual Applications
Loan Term (Months) 3 - 12
APR (Fixed APR) 10% - 30%

Reviews

 
 

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