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 be impacted?
No, your credit won’t be affected when you create an Affirm account or check your eligibility (including checking your pre-qualification eligibility). When you apply for or check to see if you prequalify for Affirm financing, it’s considered a soft inquiry, which does not affect your credit. If you decide to pay with installments through Affirm, your payment plan and repayment activity may be reported to credit bureaus. You can find more information on Affirm’s Help Center
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.
Does Affirm charge interest and fees?
Rates from 0-36% APR. For example, a $400 purchase might cost $36.10/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders.
Options depend on your purchase amount, and a down payment may be required. Affirm availability and eligibility may vary. Restrictions apply. See affirm.com/terms#use CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license.
For licenses and disclosures, see affirm.com/licenses. Affirm, Inc., NMLS 1883087. Affirm Loan Services, LLC, NMLS 1479506.
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:
-
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. -
Complete checkout
Loan decisions are made in real time. If you’re approved, you’ll confirm your order on Affirm.com. -
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.
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.