Account & Service Control · Restriction or exception
Eligibility: 18+, U.S. resident or eligible entity; loans vary by state
To use the Services you must be at least 18 years old (19 if you are a ward of the state in Nebraska) and a resident of the United States or its territories, or an eligible business or non-natural person entity. Loans originated by a Bank Partner or directly by Affirm may not be available everywhere. You represent and warrant that you are eligible.
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Supporting quotations
you must be at least 18 years old (19 years old if you are a ward of the state in Nebraska)
Loans originated by a Bank Partner or directly by Affirm may not be available everywhere.
Qualifications & exceptions
The age threshold is 19 for wards of the state in Nebraska.
Loan availability varies by state.
Account & Service Control · Company practice
Financial management tools are free and for your exclusive use
Affirm may from time to time offer financial management tools such as financial calculators, customized financial analyses, bill payment reminders, and dashboards with information about your debts or assets. Unless Affirm indicates otherwise, these tools are provided free of charge and are exclusively for your use.
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We may from time to time offer you the ability to access certain financial management tools.
Unless we indicate otherwise, these tools will be provided free of charge and are provided exclusively for your use.
You may request account closure through the Affirm Help Center. To be eligible, your loans must be paid off and you must not have an active Savings account or Card account; the account cannot close until at least 30 days after your final loan payment, and the request may take up to 30 business days. Affirm may cancel pending transactions on closure unless legally prohibited, will not close the account while you owe a payment but may limit additional transactions, and you may not close to evade an investigation. You remain liable for account obligations after closure, and Affirm retains information under its Privacy Policy and applicable law.
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You may request to close your account by contacting us through the Affirm Help Center
In order to be eligible to close your Affirm account, your loans must be paid off and you must not have an active Savings account or Card account.
Your Affirm account cannot be closed until at least 30 days after your final loan payment.
Qualifications & exceptions
Closure is unavailable until at least 30 days after the final loan payment.
A request may take up to 30 business days to process.
Not stated here
The referenced Privacy Policy is a separate document not supplied here.
Account & Service Control · Company practice
Inactive accounts may be closed after two years, or 90 days if never used
Affirm may close your account if you do not log in or use the Affirm Services for two or more years. If you have never applied for a loan or otherwise used the Affirm Services, Affirm may close the account if you do not log in for 90 or more days. Information retention follows the closure section.
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Supporting quotations
Affirm may close your account if you do not log in to your account or use the Affirm Services for two or more years.
Affirm may close your account if you do not log in to your account for 90 or more days.
Qualifications & exceptions
The shorter 90-day trigger applies only if you have never applied for a loan or used the Services.
Account & Service Control · Context
Affirm may be accessed through third-party platforms and AI tools
You may access or use Affirm through third-party platforms, including platforms that use automated tools or artificial intelligence ("AI Tools") to help you shop or make decisions. This block establishes the access route; later blocks in this section address estimates, authorization and responsibility.
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You may access or use Affirm through third-party platforms, including platforms that use automated tools or artificial intelligence ("AI Tools") to help you shop or make decisions.
Qualifications & exceptions
Access through AI tools is permitted, not required.
AI-assisted transactions are treated as authorized by you
Affirm permits access or use through third-party platforms, including platforms that use automated tools or artificial intelligence ("AI Tools"). Completing a transaction through Affirm confirms you reviewed and agreed to the financing terms at checkout. If you use an AI Tool or other automated means to interact with Affirm or complete a transaction on your behalf, you agree you are responsible for actions taken using your account or credentials, and any transaction completed through such means is treated as authorized by you, including acceptance of the applicable financing terms. You are responsible for ensuring the platform or AI Tool follows your instructions; Affirm is not responsible for their content, recommendations or actions, and you must maintain the security of your account credentials and any devices or services that can access your account.
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You may access or use Affirm through third-party platforms, including platforms that use automated tools or artificial intelligence ("AI Tools") to help you shop or make decisions.
By completing a transaction through Affirm, you confirm that you have reviewed and agreed to the financing terms presented at checkout.
you are responsible for any actions taken using your account or credentials; and
any transaction completed through such means will be treated as authorized by you, including your acceptance of the applicable financing terms.
You are responsible for ensuring that any third-party platform or AI Tool you use acts in accordance with your instructions.
Affirm is not responsible for the content, recommendations, or actions of any third-party platform or AI Tool.
Qualifications & exceptions
The authorization applies to transactions completed through AI tools or other automated means.
SMS terms: non-promotional messages, STOP, HELP and carrier limits
Affirm sends non-promotional messages about accounts, payments, purchases, applications and customer support, including purchase and payment confirmations, reminders, service and security alerts, one-time passcodes or PINs, and other service notifications. You can cancel SMS at any time by texting "STOP" to the short code; Affirm confirms the unsubscribe and stops messages, and you can rejoin by signing up as before. Message frequency varies and message and data rates may apply. For issues, reply "HELP" or contact customercare@affirm.com. Carriers are not liable for delayed or undelivered messages.
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Supporting quotations
Affirm sends non-promotional messages related to your account, payments, purchases, applications, and customer support.
You can cancel the SMS service at any time.
Message frequency Varies. Messages and Data rates may apply.
If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at
Carriers are not liable for delayed or undelivered messages.
Qualifications & exceptions
The messages described are non-promotional service messages.
Account & Service Control · Company practice
Affirm may stop supporting the wallet or block the card
Affirm reserves the right to discontinue offering or supporting the Digital Wallet for any reason and can block a Card in the Digital Wallet from purchases at any time.
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Supporting quotations
We reserve the right to discontinue offering or supporting the Digital Wallet for any reason and we can block a Card in the Digital Wallet from purchases at any time.
Qualifications & exceptions
No reason or notice is required by this block.
Account & Service Control · Company practice
Waitlist signup does not guarantee a future product
Affirm may offer a chance to join a waitlist for future or prospective products. Joining is not a guarantee you will be offered or receive the product. Waitlisted products may have additional limitations, restrictions and qualifications you may not meet; Affirm may change their terms before offering them or decide not to offer them without additional notice; and a partner may impose additional restrictions.
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Supporting quotations
An offer to join a waitlist is not a guarantee that you will be offered or that you will receive the future product.
Waitlisted products, when available, may have additional limitations, restrictions, and qualifications and you may not meet those qualifications.
Qualifications & exceptions
No product is promised by joining a waitlist.
Account & Service Control · Procedure
You must keep information accurate and bear phone-provider fees
When you provide information to Affirm or in connection with the Affirm Services, you agree to provide only true, accurate, current and complete information about yourself or your business or non-natural person entity, not to misrepresent your identity or account information, to keep account and contact information current, and to notify Affirm promptly of changes. You are also responsible for fees your phone service provider charges, such as SMS, data and other fees.
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you agree to provide only true, accurate, current and complete information about yourself or the business or non-natural person entity that you represent
You further agree to keep your account information and contact information up to date and accurate, and to promptly notify us of any changes to such information.
you are responsible for any fees or other amounts that your phone service provider charges, such as fees for SMS, data services, and any other fees that your phone service provider may charge.
Qualifications & exceptions
The accuracy duty covers both personal and entity information.