Affirm Payment Process Affirm Payment Process

What is Affirm?

Affirm is a financing alternative to credit cards and other credit-payment products. Affirm offers instant loan decisioning for online purchases and allows you to split the price of your purchase into fixed payment amounts that fit your monthly budget.

Affirm may be used to finance orders between $75 and $20,000.

Although Affirm performs a credit check when you apply for a loan, this won't impact your credit score. However, if you're approved and decide to buy with Affirm, your loan and payments may affect your credit score. Paying on time can help you build a positive credit history.

Affirm asks for a few pieces of personal information: Name, email address, mobile phone number, date of birth, and the last four digits of your social security number. Affirm verifies your identity with this information and makes an instant loan decision.

Affirm strives to offer all credit-worthy applicants financing with Affirm, but isn't able to offer credit in every case. Affirm will send you an email with more details about its decision. Unfortunately Affirm's decision is final. For additional questions and details regarding the approval process, please contact Affirm Customer Care at 855-423-3729 (between the hours of 8am-11pm EST 7 days a week).

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.

Hammacher Schlemmer has no information regarding a customer's financing denial.

You can make or schedule payments at or in the Affirm app for iOS or Android. Affirm will send you email and text reminders before payments are due.

Yes- there is no penalty for paying early.

Yes- you can return or exchange an item you bought with Affirm by initiating the return process with Hammacher Schlemmer.

Once Hammacher Schlemmer has received the returned merchandise, Affirm will begin the refund process. Affirm will credit any loan payments the customer has made, up to the refund amount, to the original form of payment within 3 to 10 business days of the refund. The refund does not include interest paid on the loan.

Exchanges with Hammacher Schlemmer can be processed for items of an equal or lesser value. Hammacher Schlemmer is unable to process an exchange for a higher priced item.

No- Affirm does not charge any hidden fees. There are no late fees, no prepayment fees, no annual fees, and no fees to open or close your account. Your APR may be different depending on your creditworthiness and where you are shopping. The exact terms that apply to your purchase will be given when you check out with Affirm. At checkout, Affirm always shows the total amount of interest you'll pay and you will never be charged more than that.

No- an order cannot be edited after you have confirmed your loan with Affirm. Due to the privacy of our customers, Hammacher Schlemmer does not store personal financial data and cannot access or adjust an order once Affirm has been used.
If you want to add items to your purchase, you must apply for another loan with Affirm or use a different payment method.

Yes- we are happy to honor our Lifetime Guarantee on purchases made with Affirm. However, the Lifetime Guarantee does not apply to interest paid on the Affirm loan.

Yes- there are no limits on how many purchases you can have at one time. But if you've recently opened credit accounts, Affirm will consider that when reviewing your application. Affirm also considers things like your payment history, how much credit you've used, and how long you've had credit. For additional questions and details regarding multiple Affirm purchases, please contact Affirm Customer Care at 855-423-3729 (between the hours of 8am-11pm EST 7 days a week).

Affirm isn't always able to offer credit for the full amount you request. In these cases, Affirm asks you to make a down payment with a debit card for the remainder of your purchase. The down payment amount can't be changed and must be made upon confirming your loan and before the loan offer expires.

Affirm often requires more information about your financial situation to evaluate your loan application. It is not uncommon to be asked to link your online checking account in order for Affirm to view transaction history and balance. If you are prompted to link your checking account and would like to continue with the application process, you may link your account by providing the login information for your online bank account. Affirm does not store your online banking login information-they simply pass your login credentials to your bank via a secure service linking your checking account. Linking your checking account DOES NOT authorize Affirm to debit your account. It only allows them to determine your ability to pay.

There are a few different reasons why an Affirm loan may not be used for a purchase. The most common are the following:

  • Affirm is currently unavailable to Canadian residents.
  • Affirm's split-pay option is currently unavailable in New Mexico.
  • Affirm cannot be used as a form of payment on select products and programs that contain legal restrictions see for details.


Pay with Affirm for Any Category

You will never pay more than the price you have agreed upon.

Additional questions?

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