Affirm financing

What is Affirm?

  • Affirm lets you choose your payment plan, with monthly payments that don’t change over time. Pay over 3, 6, 12 or 18 months. For example, you might pay $20.76/month for a $300 purchase at 15% APR for 12 months. 
  • You’ll never pay more than what you agree to up front. There are no late fees or other hidden fees.
  • Affirm is available on eligible items that total $50 - $25,000, including tax. Your cart must contain only eligible items to use Affirm for payment.
  • Subject to credit check and approval. Down payment may be required. Rates from 10–36% APR for orders over $50. For purchases under $100, limited payment options are available. Estimated payment amount excludes taxes and shipping fees. Affirm loans are provided by these lending partners: affirm.com/lenders.
  • XIKAR.com (Quality Importers Trading Company, LLC) is not responsible for the content, products or services on Affirm’s website.
  • Your rate will be 10–36% APR based on credit, and is subject to an eligibility check. Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. Please note that you can’t use Affirm to pay for pre-ordered items. Refer to www.affirm.com/faqs for details. 
What is Affirm?

Affirm gives you a more flexible way to pay over time for your purchase. So when you’re ready to check out, you can choose the payment plan that works for you and your budget. With Affirm, you’ll never owe more than you agree to on day one. No late fees, hidden fees, or surprises.

Will Affirm conduct a credit check/will my credit score be impacted?

Applying for Affirm will not impact your credit score, but Affirm will run a soft-credit check inquiry for pre-qualification. If you decide to buy with Affirm, that may impact your credit score. You can find more information at www.affirm.com/help

Who do I contact with additional questions about Affirm?

Visit www.affirm.com/help to find answers on a range of questions.

Where can I view my Affirm account summary and payment history?

Download the free Affirm app from the App Store (iOS) or the Google Play Store (Android).


How to pay with Affirm

Add to cart

Select Pay Over Time at checkout to start the simple application process.
Complete application

Apply through Affirm for a real-time decision.
Pick a payment plan

Select a flexible monthly financing option and set up a repayment method.

Xikar Dual Flip Cutter

Does Affirm charge interest and fees?
  • Affirm doesn’t charge late fees, service fees, prepayment fees or any hidden fees.
  • Affirm only charges simple interest. That means interest is charged only on the purchase price. It doesn’t increase over time. Credit cards charge compound interest, which increases over time by charging interest on the purchase price plus previously accrued interest.
  • Affirm will show you up front the total amount of interest you’ll pay and will never charge you a penny more. When you pay with Affirm on XIKAR.com, your annual percentage rate (APR) will be between 10–36%.
  • Subject to credit check and approval. Down payment may be required. Rates from 10–36% APR for orders over $50. Estimated payment amount excludes taxes and shipping fees. Affirm loans are provided by these lending partners: affirm.com/lenders .

For more information, visit www.affirm.com/help.

Are there any fees associated with Affirm?

No. Affirm doesn’t charge application fees, late fees, hidden fees, annual fees, or sign-up fees. However, your payment plan may include interest.

How do I use Affirm on XIKAR.com?

You can apply for and use Affirm on XIKAR.com in 3 steps:

  1. Fill your cart
    When you’re ready to check out, choose Affirm as your payment method. As a final step in checkout, you’ll be directed to Affirm to complete your application for a loan in just a few steps.
  2. Complete checkout
    Loan decisions are made in real time. If you’re approved, you’ll confirm your order on Affirm.com.
  3. Pay over time
    Make monthly payments over 3, 6, 12 or 18 months at affirm.com or in the Affirm app. You’ll get email and text reminders.
Can I combine Affirm with other payment methods?

Affirm is available on eligible purchases $50-$15,000, including tax. If using gift cards or other discounts, the minimum of $50 for financing must be met after all discounts or gift cards have been applied.

 
How do I pay my Affirm loans?

Make or schedule payments to your Affirm account at www.affirm.com or using the Affirm app.

You can also set up AutoPay so you don't have to remember every month.

Affirm payment options
How can I make payments for my Affirm loan?

Sign into your Affirm account, navigate to Pay, and select the purchase you want to make a payment toward.

Then click “Make a one-time payment,” enter how much you want to pay and when, add or select a payment method, and click “Continue.”

Finally, review the payment amount, payment method, and payment date, then click “Submit.”

You can also enroll in AutoPay so you never miss a payment.

Where do I go to make Affirm monthly payments on my XIKAR.com purchase?

After you make your purchase, you’ll make your monthly payments to your Affirm account at www.affirm.com or on the free Affirm app. You can make payments with a debit card or checking account.

Can I modify or cancel an order paid with Affirm?

Depending on the status of your order, you may be able to modify it. However, the shipping address and payment method cannot be changed. Please reach out to XIKAR.com regarding any modifications to your order.

Depending on the status of your order, you may also be able to cancel it. Follow the normal XIKAR.com cancellation process.

If your order is canceled, your loan through Affirm will be refunded. However, any interest already paid is non-refundable.

If you have your receipt:

  • Return your item(s) the way you normally would.
  • After XIKAR.com processes your refund, the full refund amount will appear on your loan balance within 3–10 business days.
  • While waiting for your refund, continue to make any monthly payments that are due.
  • If your refund doesn’t cover your full balance, it might not lower your next monthly payment. Instead, you can expect fewer monthly payments, a smaller final payment, or both.

XIKAR.com does not share your XIKAR.com account information with Affirm aside from what is needed to confirm your order.

You can read Affirm’s Privacy Policy at www.affirm.com/privacy .

If I finance my purchase with Affirm, then return my order, will I be responsible for a return fee?

No. Affirm doesn’t charge application fees, late fees, hidden fees, annual fees, or sign-up fees. However, your payment plan may include interest.