What is Affirm?

Affirm is a financing alternative to credit cards and other credit payment products available to shoppers in the United States. Affirm offers instant financing for purchases online. With Affirm, you can buy and receive your purchase now, and pay for it in fixed monthly installments over the course of three, six, or twelve months.
 
To use Affirm, shop The RealReal and select Affirm at checkout. Affirm will prompt you to enter a few pieces of information – your name, email, mobile phone number, date of birth, and the last four digits of your social security number. Please ensure that all of this information is your own and is consistent, otherwise you may experience difficulty with your checkout.
 
To ensure that you’re the person making the purchase, Affirm will send a text message to your mobile phone with a unique authorization code. Enter the authorization code into the application form. Within a few seconds, Affirm will notify you of the loan amount you’re approved for, the interest rate, and the number of months you will have to pay off your loan. You will have the option to choose to pay off your loan over three, six, or twelve months. Affirm will also state the amount of your fixed, monthly payments and the total amount of interest you’ll pay over the course of the loan. If you would like to accept Affirm’s financing offer, click Confirm Loan and you’re done.
 
Going forward, you’ll get monthly email and SMS reminders about your upcoming payments. You can also set up autopay to avoid missing a payment. Your first monthly payment will be due 30 days from the date the merchant completes processing your order.
 
Please follow these steps to make a payment:
Enter your mobile number where you will be sent a personalized security pin.
Enter this security pin into the form on the next page and click Sign In.
You’ll now see a list of your loans and payments due. Click on the loan payment you would like to make.
You can make a payment using a debit card or ACH bank transfer.
 
If you pay with Affirm and then cancel your order or return your items, a refund will post to your Affirm account once the merchant processes your returns. In the event that you return only part of your order, the amount of the merchandise that you returned and applicable taxes and fees will be refunded to your Affirm account, and you will be responsible for paying off the remainder of your Affirm loan. If you have already made loan payments or a down payment, Affirm will issue you a refund credit to the bank account or debit card that you used to make the payments. You should see a refund credit within 3-10 business days, depending on your bank’s processing time. Please note that orders paid for using Affirm cannot be refunded in site credit.
 
For questions or disputes about your Affirm loan, please contact Affirm by visiting affirm.​com/help.​
 
For questions about why you were denied a loan with Affirm, please contact Affirm at help@​affirm.​com or (855) 423-3729.
 
For more information, and FAQs, click here.
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