Affirm Amazon Experience: How To Use Affirm On Amazon For Shopping Done On A Budget

Affirm Amazon Experience: How To Use Affirm On Amazon For Shopping Done On A Budget
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Shopping on Amazon is convenient and often the best way to get what you need at the lowest price. Still, it might be hard to manage your budget and not overspend. That’s where Affirm comes in, letting you shop with flexible payment options and budget-friendly payments so that you purchase in a way that works well for you and your wallet.

Whether you’re looking to save money or need to manage your spending, Affirm can be an option you might want to consider. So, let’s look at how you can quickly start purchasing on Amazon using Affirm as a payment option and grab the best deals while sticking to your budget.

Hop on reading to learn more about Affirm Amazon best experience:

1. Getting to know Affirm

2. Using Affirm on Amazon: how to get started?

3. Payment Deferment and Payment Assistance programs

4. Tips for making the most out of Affirm on Amazon

Getting to know Affirm

If you’ve heard but haven’t ever tried using Affirm, you might be wondering why it’s becoming popular among customers and more e-commerce businesses integrate it in the shopping experience they provide. So let’s take a real quick look at Affirm, its history, and its benefits. 

A good alternative to a credit

Affirm is a buy now, pay later service helping consumers obtain loans for purchases, such as home appliances, furniture, electronics, travel, etc. Customers can apply for loans through the Affirm app or website and receive a decision on their loan application within minutes. If approved, they can choose to pay for their purchase over several months, with fixed monthly payments and interest rates determined by Affirm.

One of the unique features of Affirm is that it allows customers to see the total cost of their loan upfront, including interest and fees. This transparency helps customers make more informed decisions about borrowing and avoid taking on debt they can’t afford. Thus, Affirm can be a good alternative to traditional credit as a more convenient, affordable, and transparent option.


Affirm is a financial technology company founded in 2012 by entrepreneur Max Levchin, a co-founder of PayPal. It provides a range of lending and financial services, primarily in the area of consumer loans, but also offers savings and investment products, such as high-yield savings accounts and individual retirement accounts (IRAs).

AFFIRM: Going public

Since its inception, Affirm has experienced significant growth, both in terms of revenue and market share. It raised several rounds of investment, which helped quickly expand its offerings to comprise personal loans, a virtual card program, and more. Moreover, it developed a wide range of partnerships with retailers and merchants, such as Walmart, Peloton, Expedia, Amazon, and many more, to offer installment payments and other financing support options for their customers. 

In 2021, Affirm filed for an IPO and went public, raising $1.2 billion in its initial offering. The company’s stock price jumped more than 80% on its first day of trading, giving it a market value of over $22 billion. 

As of 2023, Affirm continues to grow and expand its offerings, with partnerships with over 6,000 merchants and a growing number of consumers using its financing options.

How does it work?

Affirm works by providing consumers with a way to finance purchases through a loan that can be paid back over time with a fixed interest rate. Typically, buying with Affirm falls into four stages:

  • Application

Customers can apply for an Affirm loan during the checkout process of a participating retailer’s website or app. They provide personal information, including their name, address, date of birth, and income.

  • Loan Decision

Affirm uses its proprietary underwriting technology to evaluate the customer’s creditworthiness and decide on the loan application in real-time. Upon approval, the customer will see the loan terms, including the interest rate and repayment schedule, before accepting the loan.

  • Payment

Once the loan is accepted, Affirm will pay the retailer for the purchase, and the customer will begin making monthly payments to Affirm. Customers can choose from a range of repayment terms, typically between three and 48 months, and the monthly payment amount will depend on the loan amount, interest rate, and repayment term.

  • Repayment

Customers can make payments through the Affirm app or website using a debit card, bank transfer, or check. Affirm also offers autopay to make the payment process more convenient.

As you can see, Affirm aims to provide consumers with a more flexible alternative to traditional credit cards, with fixed interest rates and no hidden fees.

Using Affirm on Amazon: how to get started?

As of August 2021, Affirm’s buy now, pay later option is available on Amazon, allowing Amazon customers to split the total cost of purchases of $50 or more into simple monthly payments. So if you’ve been considering purchasing more affordably on Amazon, this can be an option to look closer at. 

Getting started with Affirm on Amazon is pretty simple and requires just a few steps of setting it up. Let’s break them down.

Create your account

To create an account at Affirm, you’ll need to go to the Affirm website and follow these steps:

  1. Click on the Sign up button at the top of the page.
  1. Enter your personal information, such as email address, full name, and password in the fields provided.
  1. Verify your email address clicking on the verification link  in your email inbox Affirm will send.
  1. Enter your phone number so that Affirm can send you a verification code via text message.
  1. Enter the verification code that you received via text message into the field provided on the Affirm website to verify your phone number. 
  1. Complete your profile by providing additional information, including your date of birth, address, and social security number.

Once your profile is complete, you’ll need to link a payment method, such as a credit card or bank account, to your Affirm account.

With your account set up and your payment method linked, you can start using Affirm to make purchases and take advantage of their financing options.

It’s worth noting that Affirm lending options may not be available to everyone, and the terms of your loan will depend on your creditworthiness and other factors. Be sure to read the terms and conditions (and privacy policy) carefully before agreeing to any loans or financing offers from Affirm.

Choose Affirm as a payment method on Amazon

Selecting Affirm as your payment method on Amazon will allow you to split your purchase into four interest-free payments for everyday purchases or monthly installments for higher-ticket items. The payment options will be tied to your cart so you can choose the most suitable payment schedule.

Let’s look at how to set it up and enjoy purchasing nice things (provided your favorite online store accepts Amazon Pay and offers Affirm as a payment method):

  • Select Affirm as a payment method.

At checkout, choose Affirm and enter a few pieces of information for a real-time eligibility decision.

  • Choose the payment terms that fit the bill for you.

Select the payment plan you feel most comfortable about: four interest-free payments every two weeks or monthly installments.

  • Pay for your purchases stress-free.

Manage your payments in the Affirm app or online. You can set up AutoPay to get reminders when the payment is due.

A good-to-know fact

Amazon isn’t the only e-commerce platform – you can also use Affirm to shop on other websites, but Amazon is the only retailer that offers zero-interest financing.

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Payment Deferment and Payment Assistance programs

You can use Affirm’s Payment Deferment Program if you run into trouble paying off your orders. This program lets you pause your payments for a short amount of time, so you can catch up. 

If you need help paying off your orders, Affirm’s Payment Assistance Program can be very useful. If you qualify, this program lets you receive short-term assistance to help you get caught up on your payments. You can also set up automatic payments to help you avoid late fees and interest charges.

Tips for making the most out of Affirm on Amazon

As you’re shopping with Affirm, there are a few things you can do to get the most out of your experience. 

First, check out Amazon’s list of products that qualify for Affirm. This will let you know which products you can consider if you want to purchase with Affirm.

Second, use Amazon’s Wish List feature to add items you want to keep track of, even if it doesn’t qualify for Affirm. Who knows, maybe you’ll manage to grab it with Affirm soon!

Finally, when you’re adding items to your cart, make sure you go over the Terms & Conditions of Affirm to double-check the financing terms and your obligations. 

Wrapping up: should you go with Affirm financing?

Affirm is a service that lets you spread the payments for items you buy on Amazon. When you use Affirm, you can get the things you want at a reduced price or access products you may not otherwise be able to afford. Besides, there can be no interest and hidden fees with Affirm financing, so you don’t have to worry about getting stuck with a high payment. Still, technically, you’re borrowing money. At this point, you might want to approach your shopping with Affirm carefully and responsibly.

Affirm financing is typically used for large purchases, such as furniture, electronics, or other high-ticket items. Financing terms will depend on several factors, including a customer’s creditworthiness, the purchase amount, and the length of the financing period. It’s worth noting that customers should carefully read the terms and conditions of any financing agreement and make sure they understand the cost of the financing, including any interest charges or fees, before purchasing with Affirm financing.

While Affirm financing may not be available for all purchases or from all retailers, where applicable, it can offer more competitive interest rates and transparent terms, making it an attractive option for customers looking for a flexible and affordable way to finance a purchase.

Learn How to remove Affirm from Amazon from our helpful guide.

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