How to apply Affirm Card

Choosing a card can be a challenging activity to do, as there are so many options available in the present that all the information we see around can make us feel a bit overwhelmed sometimes. That is why researching is always an important ally before coming up with any decision, so in this text we are going to dive a little deeper into the Affirm Card.

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Provided by the American company Affirm Holdings, this card policy aligns with the group’s idea of a “buy now, pay later” financial service. Unlike most traditional credit cards, it allows the clients to split purchases into interest-free installments or even to choose a fixed-term payment plan, all aiming to provide transparent and flexible terms for its clients.

In this guide we will help you understand the pros and cons of this card, the eligibility requirements, step by step on how to apply and more. So let’s take a look into the information available and see if this can truly be a good option for you to consider!

A comprehensive guide with everything you need to know about the Affirm Card

What benefits can I find in this card?

The Affirm Card does offer several benefits for the clients, especially if you consider how the traditional payment methods usually work. Some of the main advantages are:

• Flexible payment options, as you can split purchases into four biweekly payments and a plan with a fixed APR, if applicable;
• No worries about hidden fees, such as compounding interest, annual fees, late fees, and sign up costs. You will only pay what you agreed at first;
• Wide acceptance in U.S., as it works anywhere Visa cards are accepted (both in-store or online purchases via apps like Google Pay and Apple Pay);
• Soft credit pull, which does not affect your credit score. The company also reports the payments you do to credit bureaus, which can help you build your credit history.

What are the requirements for me to apply?

The list of requirements is quite basic and very similar to any other credit card you may see around in the market. In short terms, to qualify, applicants must be at least 18 years old and have a valid U.S. residential address. It is also important that they have a U.S. phone number and an email the company may use to contact them.

Another criteria is that it is a must to be accepted in the eligibility check, which will provide information about your credit and payment history. So there is nothing really out of the normal process you will normally go through before getting a credit card.

What are the pros and cons of this card?

Like any other credit card out there, the Affirm Card also holds a list of pros and cons you should definitely consider before making any choice, so make sure it is what you are looking for before starting the application process. Let’s take a look at some important information to think about.

Pros:

• Interest-free payment options;
• There are no late fees or hidden charges;
• Which does not affect your credit score.

Cons:

• The Affirm Card is available only to US residents.
• APR ranges from 0% to 36% — the “Pay in 4” option always offers 0% APR.
• Not all purchases are eligible for installment payments; eligibility depends on factors such as the purchase amount and your credit score.

For more detailed information about the credit card’s pros and cons, and to understand how it works better, you can visit the official website.

What are the fees and charges?

As you already know by now, the card has no hidden fees, like compounding interest, annual and late fees or sign up costs. However, there are some things you should pay attention to before continuing.

When it comes to the purchase amount, you can divide it into monthly installments, with a cost from $50 to $5,000+ or pay in four, which can go from $50 to $1,000+. But, this will all depend on the store, as these values may change. In the case of monthly installments, they can be in 3, 6, 12, 18, 24, 36 or even up to 60 months, and the APR can also vary from 0 to 36%.

Please read more detailed information here.

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What do we know about the financial institution responsible for this card?

Affirm Holdings is an American company founded in the state of California in 2012. With its headquarters located in San Francisco. It works with major retailers, famous around the world, such as Amazon, Best Buy and others, and has a mission of providing a fair and transparent financial alternative to credit cards.

It is also important to highlight that the group is actually not a bank, but a company that provides financial services, partnering with Evolve Bank & Trust to issue its credit card.

What is the target audience for this product?

As any other credit card, the Affirm Card also has its own target audience, being ideal for those who are looking for interest-free payments and that are building their credit history. It can also be said that if you are a budget-conscious consumer, looking for more flexible and transparent ways of organizing your financial life, while avoiding extra credit card debts, this may be an option for you to consider, as it is indeed focused on the people who want to live their financial lives in a more affordable and responsible way.

Step by step on how to apply for the card

If you are sure this is the one option for you, and want to keep going on the process of getting your Affirm Card, here is what you need to do:

• First of all, download the Affirm Card app, which is available for both iOS and Android;
• If you don’t have an account yet, you must register to create one, as it will be necessary during this process;
• After that, you can apply for the card by navigating to the card section and completing the application with your personal information;
• Wait to receive your approval (it is an instant decision);
• After being approved, the virtual card is issued immediately, so you can add it to Google Pay or Apple Pay.

How can I unlock my card?

If you need to unlock your card, the process is also quite simple and can be done online, with no need to go anywhere. By accessing your Affirm App, you can go to “card settings” and select the option “unlock card”. If there are any verification steps being required, just follow the process by answering the questions that may appear. If you need any assistance, we strongly recommend that you contact the Affirm Support.

Customer service

For further information or if you have any questions about the credit card, you can contact the Affirm Card team by using different methods: you can ask for support, and you can also access the Help Center or the live chat, available in the app to have your questions answered.

The Affirm Card presents an interesting and compelling option for clients who want to go away from the traditional options available in the market, and that value flexibility and affordability. So, if this is really what you want, take a look at their website, do your research to make sure you understand all the terms and conditions and apply!

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