A: There are two ways to sign up for Affirm:

1. Create an Affirm account on Affirm's website in just a few easy steps; or
2. Select Affirm as your payment method while checking out with us here at City Grounds.

A: To sign up for Affirm, you must:

1. Be 18 years or older (19 years or older in Alabama or if you’re a ward of the state in Nebraska).
2. Provide a valid U.S. or APO/FPO/DPO home address. Buy with Affirm is not currently available to Iowa or West Virginia residents.
3. Provide a valid U.S. mobile or VoIP number and agree to receive SMS texts.
4. Provide your full name, email address, date of birth, and the last 4 digits of your social security number to help us verify your identity.

A: Affirm loans vary between 10% and 30% APR simple interest (0% APR is offered at select merchants). The corresponding finance charge is the only fee associated with an Affirm loan - we don’t charge late fees, service fees, prepayment fees, or any other hidden fees. Affirm strives to be more transparent and fair than any other form of financing.

A: When you make a purchase of $100 or more with Affirm, you can pay over 3, 6, or 12 months. For purchases between $50.00–$99.99, you can pay over 3 or 6 months. Select merchants may offer different terms, including a 30-day payment option for purchases under $50.

A: Unlike a credit card, Affirm is not a revolving line of credit. While customers can take out multiple Affirm loans at once, each Affirm loan application is evaluated separately as a closed-end transaction. An application from a returning customer may be denied, however, if that customer has failed to repay other Affirm loans on time or if the customer shows excessive borrowing behavior.

A: Yes, when you first create an Affirm account, a ‘soft’ credit check is performed to help verify your identity and determine your eligibility for financing. This ‘soft’ credit check will not affect your credit score.

If you apply for more loans with Affirm, we may perform additional ‘soft’ credit checks to ensure that we offer you the best financing options possible.

A: Yes, protecting your personal information is very important to Affirm. They encrypt sensitive data including Social Security numbers. We also maintain physical, electronic, and procedural safeguards to protect your information. They do not sell or rent your information to anyone.

A: Affirm offers clear, simple financing for your online purchases in just a few clicks:

1. Fill your cart and select the Affirm payment option on the City Grounds checkout page.
2. Enter a few basic pieces of information to identify yourself. Affirm will let you know if you are approved for a loan in real time.
3. Review your payment plan details and click confirm to finalize the loan. Once you’re done, your purchase will be on its way. That's it! Just remember to pay your bills on or before their due dates or sign up for autopayment at www.affirm.com/pay.

A: Affirm isn't always able to approve financing for the full amount of a purchase. When this happens, you will have the option of using a debit card to pay for the rest of your purchase. Regrettably, the down payment amount can’t be changed.

A: While Affirm strives to offer all creditworthy applicants financing, they simply aren’t able to approve every loan application. If Affirm isn't able to approve your application, they will immediately notify you of our decision and denial reason via a secured message.

A: While Affirm strives to offer all creditworthy applicants financing, they simply aren’t able to approve every loan application. If Affirm isn't able to approve your application, they will immediately notify you of our decision and denial reason via a secured message.