PayPal Credit is an open end (revolving) credit card account that provides a reusable credit line built into your account with PayPal giving you the flexibility to pay for your purchases right away or pay over time. It’s easy to apply, easy to use and there whenever you need it. PayPal Credit is subject to credit approval and is offered by Synchrony Bank.

PayPal Credit is a reusable credit line available on purchases at millions of stores that accept PayPal. Plus, it comes with the same security and flexibility you trust from PayPal.

If approved, we start you off with a minimum credit line of at least $250. See FAQs for more info.

For New Accounts: Variable Purchase APR is 23.99%. The APR is accurate as of 3/1/2022 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge is $2.00. See Terms and Conditions Tab for more info.

If you miss a payment your late fee could be up to $41, even less if it’s your first time. See FAQs for more info.

When you apply for PayPal Credit, you’ll be asked to provide your date of birth, your income after taxes, the last 4 digits of your Social Security number, and agree to the Terms and Conditions. You’ll know within seconds if you are approved. And here’s the cool thing: your PayPal Credit account will be linked to your account with PayPal and you’ll see it as a payment option every time you check out with PayPal.

You will need an account with PayPal to apply for PayPal Credit. Once you've signed up for PayPal, you can begin the application for PayPal Credit. Signing up for PayPal is free.

Sign up for PayPal and apply for PayPal Credit.

Synchrony Bank will review and consider your credit report and other information prior to opening your account and establishing your credit line. This process usually happens in a matter of seconds as part of the PayPal Credit application process.

To use PayPal Credit, simply checkout using PayPal and select PayPal Credit as your payment method. Learn more about how to use PayPal Credit.

You can use PayPal Credit at millions of stores online where PayPal is accepted.

Enjoy No Interest if paid in full in 6 months on purchases of $99.00 or more when you check out with PayPal and pay with PayPal Credit. Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months. Minimum monthly payments are required. See terms, learn more about the benefits of PayPal Credit.

Yes, PayPal Credit is a reusable credit line and can be used for purchases less than $99.00.

If you pay your balance in full each month by the payment due date that is on your statement, you can avoid paying interest.

We’ll send you email reminders when your payments are due. You can also keep track of your account and view your statements online at any time.

You can also make minimum monthly payments, or any additional amount of your choosing until you’ve paid off your balance according to your standard account terms. Please note, that interest charges may apply.

A minimum monthly payment is required and may or may not pay off the promotional purchase by the end of the 6 month period.

No interest will be charged on the purchase if you pay it off in full within 6 months. If you do not, interest will be charged on the purchase from the purchase date at the Purchase APR applicable to your account.

For New Accounts: Variable Purchase APR is 23.99%. The APR is accurate as of 3/1/2022 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). The minimum interest charge is $2.00.

Individual items that are less than $99 qualify for special financing when combined for a total of $99 or more in a single transaction.

Multiple separate transactions of less than $99 per transaction cannot be combined to meet the minimum purchase amount.

See the current PayPal Credit Terms and Conditions

Yes! When you use the PayPal to send money, select PayPal Credit as the payment method. You may need to change the payment method if PayPal Credit isn’t already set as your preferred payment method. When you use PayPal Credit to send money in US dollars (USD), you’ll be charged the same fee that’s charged when you use a debit or credit card to send money with PayPal. Learn more about our fees.

Linking your account is easy. You can link your PayPal Credit account to an existing account with PayPal if you have one. Don't have an account with PayPal? Signing up for PayPal is free.

At any time, you can choose to make a one-time payment or schedule automatic payments towards your balance due. You can pay from either your PayPal Balance Account, or your linked bank account conveniently on PayPal.com.

You can also mail your payments to:
PayPal Credit
P.O. Box 960006
Orlando, FL 32896-0006

Or, you can call our customer service department at 1-844-373-4961 to make a payment.

Note: When mailing a payment, please make sure you include your PayPal Credit account number or payment stub.

Learn more about making a payment.

You will not be liable for unauthorized use on your account, but you will be responsible for all use by anyone you allow to use your account. If your account is used without your consent, call us immediately at 1-844-373-4961

Payment Security is an optional purchase that can cover your minimum monthly payments or entire PayPal Credit balance up to $10,000 after certain qualifying life events. You may cancel at any time. Whether or not you purchase Payment Security will not affect your credit terms of any existing credit card agreement you have with us. See Payment Security Program Agreement for more details.

Customers can shop with Afterpay today! It only takes a few moments to get started.

1. Download the free Afterpay app from the Apple AppStore or Google Play Store.

If customers are having issues using Afterpay in your store, you should instruct them to reach out to Afterpay Customer Service:

• In App Chat - it’s the quickest way to get a hold of us
• Afterpay Customer Service Phone: 1.855.289.6014

(Mon - Fri 7am - 7pm CST, Sat 7am - 6pm CST)

• Afterpay FAQs on www.afterpay.com

That being said, here’s a couple General Troubleshooting Tips to help customers in the moment:

• Ensure they are connected to WiFI or using data so the Afterpay Card can be activated in the app.
• Make sure that the payment method saved in their Afterpay app is current and correct.
• Did the customer access the Afterpay Card through the Afterpay app? It is essential that the customer click “Pay with Afterpay Card” to activate the Afterpay Card. If the customer opens the Card directly from their wallet, the Card will not activate, and the purchase will not be successful.
• Does your store have a minimum or maximum purchase amount for Afterpay? Make sure those requirements have been met.

If the customer is still having issues using Afterpay, direct them to Afterpay Customer Service.

Participating stores are featured in the Afterpay app and on the Afterpay website in the Stores section. Stay tuned – more stores are coming soon!

Split tender payments work as they would with any other transaction. Start the transaction, select the amount the customer wishes to pay with Afterpay, and then they will tap their Afterpay Card to the chip reader to transact. The remaining amount owed can then be paid with the customer’s other payment method.

When a customer returns a split tender order, scan the receipt and verify with the customer the amount paid in the secondary form of payment (cash, credit, debit). Refund this payment method first. After you have refunded that amount, restore the amount paid with the Afterpay Card by asking the customer to tap their Afterpay Card at the NFC chip reader. Afterpay will restore funds to the customer’s original payment method within 5-7 business days. If the customer has questions, encourage them to contact Afterpay Customer Service

The following statements are NOT permitted by Afterpay to say to customers:

• No Cost
• No Fees
• Instant Approval
• No Catch
• No Cards
• No Credit Check
• No Hidden Fees
• No Down Side

Select Sezzle as your payment method while checking out. Your order must equal $50 or more to qualify for payment using Sezzle. Sezzle is available at checkout after Shipping.

• Be 18 years or older (19 years or older in Alabama or if you're a ward of the state in Nebraska)
• Have a valid U.S. mobile phone number and email address
• Have an active U.S. bank account

Unfortunately, there are a few forms of payment that cannot be used at Sezzle:

• American Express Cards - Sezzle does not accept American Express debit or credit cards.
• Capital One Credit Cards - Capital One does not allow their cards to be used at Sezzle.
• Savings Accounts  - The use of savings accounts is restricted by Federal regulations.

Currently, shoppers are only able to use their Sezzle Virtual Card with select retailers online and in-store. To see a list of all current retailers currently accepting the Sezzle Virtual Card, simply login to the Sezzle app using your mobile device and navigate to the “Sezzle Card” tab. Here you will be able to see which retailers currently accept the Sezzle Virtual Card as a payment method.

Note: Minimum order dollar amount of at least $35 (including tax and all other fees) must be met for all Sezzle purchases. This could be higher based on a minimum order amount set by the merchant.

Sometimes life happens and you can’t make your payments when they were originally scheduled. That’s ok! It’s exactly why we offer one free reschedule on every order—we want to empower you to make smart financial decisions.

Depending on your state’s guidelines, you may be able to reschedule your payments up to three times, subject to a fee. So, even though payments can only be moved out two weeks at a time from their originally scheduled dates, you may have two additional reschedules that can be used to move payments again, if needed. The second and third reschedules will just require your approval for a fee* that is charged with the installment.

Please note: should you have any rescheduled payments on your account will be unable to place new orders until you are caught up on your current payments.

To reschedule an installment, simply follow the steps below:

1. Log into your Sezzle dashboard 
2. Navigate to your “Orders” tab and click on “View Order” next to the order you want to reschedule
3. Select “Reschedule” next to your payment
4. Choose a new date on the calendar and then confirm!

You can always pay off installments early for no charge. To learn more about this process, please read more here.

Please note:

• Once you hit confirm, the reschedule is finalized, so make sure to review thoroughly!
• We recommend rescheduling payments at least 48 hours before the due date to ensure the reschedule is successful. If you reschedule a payment within 48 hours of the day that it was originally due, we cannot guarantee the reschedule will be successful, and the installment may still be charged as originally scheduled.
• Once a rescheduling fee has been added, moving the date to an earlier date will not remove the fee.

If you find that you are unable to reschedule, here are some reasons why. You may be out of the reschedules allowed for that order. You will need to pay off the remaining payments as scheduled.

• • You may have a failed or outstanding payment on your account that you need to resolve. Once you settle that payment, you should be able to reschedule other payments again. Learn more about failed payments here.
• You may be declined if attempting to place a new order after rescheduling a payment if you haven't begun to make payments again to Sezzle. However, pay off all of your rescheduled installments and you will be able to start shopping again!

*Where imposed, fee amounts are determined by individual state regulations and will reflect accordingly on your Sezzle account upon reschedule or failed payment.

The following payment methods can be used with Sezzle

• Default payment methods
• Debit and credit cards
• Bank accounts
• Prepaid/benefit cards

Please make all changes to the default payment method at least 48 hours before the payment is scheduled. Changes made within 48 hours of the payment due date may not take effect.

If you need to add a new payment method because your previous one was stolen or compromised, you may also want to reschedule your payments while you wait for your new payment method to arrive.

1. For the Down Payment which is due when you place your order
2. For the remaining scheduled installments that are due over the next 6 weeks. If you are using a credit or debit card, these default payment methods can be the same

• Small convenience fees* may be incurred on scheduled installments if paid with any type of card, including credit, debit, or prepaid benefit cards. Avoid convenience fees by selecting a bank account as the default payment method for schedule payments (installments 2-4).
• Unfortunately, we do not allow bank accounts to be used as default payment methods on Down Payments.
• Prepaid/benefit cards can only be used to pay off installments and not to place new orders

1. Log into your Sezzle dashboard
2. Navigate to the "Accounts" tab
3. Click on "Payment Methods"
4. Select "Add card" if you haven't added one to your Sezzle account yet
5. Once you've typed in your card details, check the box below that says "Make default payment method for first payments"
6. At this point, you can assign the same card to be the default payment method for "Scheduled payments," or you're welcome to add a bank account or another card. Just enter in the details for your payment method and check the box that says "Make default payment method for scheduled payments''

• Navigate to Payment Methods within your Sezzle dashboard
• Click on "Add a new debit/credit card" and input your card details
• Once added, if you want all future installments to be charged to this new payment method, simply select it and choose "Set as default"
  
  

If you add a debit or credit card to your account and it appears in the "Prepaid card" section, that means the card has been designated as a prepaid card by your financial institution. If you have questions about why a card is labeled as a prepaid card, please reach out to your card issuer directly (typically by calling the phone number on the back of the card) to learn more about the card.

To add a bank account:

• Navigate to Payment Methods within your Sezzle dashboard
• Select "Connect your bank account"
• To make it easier for you to add a bank account, we have two linking methods
  • "Instantly link your bank account" allows you to use your online banking username and password to log into your bank account and select the account you want to link
  • If your bank isn't on the list of options to instantly link, or if you run into issues logging into your bank account, you can also add your bank account manually. Select "Connect your bank account" and enter your account and routing numbers. Within 2-3 business days, we'll deposit and immediately withdraw two micro-deposits (typically less than $1 each), after which you'll need to go back to the "Payment Methods" page to verify the withdrawn amounts. Once your account is verified, it’s ready for use

• Navigate to Payment Methods within your Sezzle dashboard
• Click on "Add a new debit/credit card" and input your card details. Once added, it will automatically show up in the "Prepaid card" section of that page

If you’d like to make one (or all) of your payments early, that's awesome! All you need to do is:

1. Log into your Sezzle dashboard
2. Navigate to your “Orders” tab
3. Click “View Order” next to an order
4. Click “Pay Now” on an installment and choose the payment method you want to use
5. Rinse and repeat as many times as you’d like

Please note:

• This method is the only way to use a prepaid card to pay off installments.
• This process must be completed in order of installments - so the second installment must be paid off before you can pay off your third installment. Once the previous installment has been paid, you'll see the option to pay appear on the next installment.
• Once you have selected "Confirm," we cannot cancel or adjust the payment.

We charge fees for the following reasons:

• more than one reschedule has been applied to an order (reschedule fees)
• a payment has failed (failed payment fees)
• when cards, including a credit, debit, or prepaid benefit card, are used for a scheduled payment (convenience fees)

Sezzle fees are always charged with the payment installment they’ve been added to, so you will not see multiple charges from us. However, any fees imposed by your bank will be charged separately. See below for more info on our two types of fees.

To be on the safe side, you may want to check that you haven’t marked our texts or emails as “spam” or had them sent straight to your junk folder. We always send alerts before a payment is due because we don’t want to catch you by surprise.

Note: Convenience fees will not be applied to Sezzle Premium subscription payments made with a debit/credit card.

$Original-Payment-Amount + $Failed-Payment-Fee + $Reschedule-Fee = $Total-Charge

If you see a separate fee on your bank statement that is labeled “Sezzle,” it is most likely a fee your bank has charged. So for instance, if you incurred an overdraft or “NSF fee,” because of a Sezzle payment, the charge may be labeled “Sezzle” because it was the Sezzle charge that caused your account to overdraft. These fees are commonly around $30 but sometimes can be larger than $50. If you see one of these fees on your account, please reach out to your bank directly—they will be the best source of information as to why the fee was charged!

*Fees may not be applicable to shoppers in certain regions—please review our user agreement for more information. Where imposed, fee amounts are determined by individual state regulations and will reflect accordingly on your Sezzle account upon reschedule, failed payment, or payment processing.

**Depending on the state in which you reside, this 48-hour grace period may last up to 15 calendar days. Please reference your state legislature for more details.

Hey, you know what...life happens! It’s ok. We know there are plenty of reasons why a payment may fail, such as:

• Insufficient funds
• Bank declined the charge
• Card number is incorrect
• Payment method has expired

When a payment fails, a fee* is added to the installment, your due dates are automatically rescheduled and no new purchases or other payment reschedules are authorized until the payment is resolved. The failed payment's new due date also cannot be rescheduled. However, if you resolve the failed payment within a certain grace period,** the fee will automatically be waived. To make any payments right away, navigate to your orders to pay now and resolve.

**Depending on the state in which you reside, this 48-hour grace period may last up to 15 calendar days. Grace periods will always reflect on your Sezzle account accordingly based on your location. Please reference your state legislature for more details.

Before removing a payment method, you will need to ensure any existing orders have a payment method attached that does not match the payment method you are looking to remove. If you have any outstanding installments scheduled to be paid using the payment method, you will not be able to remove it. In addition, if there are any failed payments on an account, you will not be able to remove any payment methods from your account.

Changing Payment Method

You can easily change the payment method associated with existing orders by selecting the order in your dashboard, and selecting "Change Payment Method." Once the payment method you would like to remove from the account is removed from all outstanding orders on your account, you will be able to remove it.

To remove a payment method from your Sezzle account, start by logging into your Sezzle account either online or using the Sezzle app. Next, select “Account,” then “Payment Methods." Once you have navigated here, select the payment method you’d like to remove and select "Remove."

If you have taken all the steps above and are still experiencing issues removing the payment method, feel free to reach out to our team using the "Help" button on the right side of the screen.

Here at Sezzle, we make getting a refund as easy as possible because we’ve got you covered! Here’s what you need to know.

• As soon as the merchant sends us a refund, we'll let you know. Your payment plan will be updated automatically and we will send you an email detailing exactly what’s changed
• Until the merchant processes your refund to Sezzle, we continue collecting payments per our user agreement.
• Anything refunded to you will cancel outstanding payments first and then whatever is left over is sent straight back to the payment method you used to originally place your order. We want to cancel or reduce unpaid installments first to prevent you from receiving a credit only to still owe us another installment.
• Sometimes refunds can be returned in installment amounts to reflect how the payments were made originally, so it’s helpful to check for anything labeled “Sezzle”, rather than specific amounts.
• If you’ve received communication from the merchant that they’ve sent a refund, but you haven’t received an email from Sezzle confirming a refund was issued, it can be helpful to follow up with the merchant regarding its status.

If you received an email from Sezzle confirming you received a refund on an order, but the refund hasn't posted to your original payment method yet, please double-check the refund details. If you haven't received confirmation from Sezzle the refund was issued, please work with the store directly to confirm they processed the refund.

If the merchant issues store credit, no changes will be made to your Sezzle account, and you will not receive a refund through Sezzle. You will need to continue paying off your Sezzle order, as you're now essentially paying off a gift card. Additionally, if you receive a cash refund or a refund through a third-party such as Venmo or PayPal, a refund will not be issued to your Sezzle account.

Because Sezzle pays the store in full for your order, the store will often send you a refund notice for an amount that is different than what you'll actually receive. This is because the store is refunding us for the amount we paid to them, and it's then our job to refund you based on how much you've paid us. To understand how refunds are calculated and processed at Sezzle.

If you find a charge from Sezzle that appears to be incorrect, there are a few things to look at to help determine what's going on.

Is the charge pending?

Pending charges appear differently on your bank account or card statement than a posted transaction. These are often called "authorizations" or "preauthorizations" and are not necessarily the amount that will be charged (or posted) to your account. In some cases, especially for new orders, we may authorize your payment method for the full amount, but the charge will only post for the amount of the specific installment.

If you see a charge that is pending, especially if it matches the order total of a recent order, we recommend waiting a few days for the charge to finalize - typically, this happens within 3 business days, though usually sooner. This process is entirely automatic, and not something that we're able to expedite.

If you have further questions about how authorizations or pending charges work, we recommend reaching out to your financial institution, as they'll be able to best explain how those terms apply to your account.

Is the charge labeled as "Sezzle"?

If the charge doesn't have Sezzle in the name, and especially if it's for the full amount of your order, it's most likely that your purchase wasn't completed with Sezzle. The charge will usually be under the store's name, and you won't see an order on your Sezzle account. If this is the case, and you'd like to complete the order with Sezzle, we recommend reaching out to the store directly to see if they're able to issue you a refund so that you can place the order again through Sezzle.

Is the charge only slightly more than expected?

If the amount of the charge is only slightly more than you expected it to be, it's likely that there was a fee* added to your payment. You can find more information about the payment amount by logging into your Sezzle account and reviewing the order. You can also read more about fees here.

Is the charge $20-$40 more than expected, and charged separately?

If you see two charges on your account, typically on the same day, and one looks like your regular payment amount but the other isn't an expected payment amount, you've likely been charged an overdraft or NSF fee by your financial institution. While the amounts of these fees can vary based on your financial institution, they're typically between $20-$40 each, with $35 being a common amount. If you have questions about why you were charged this fee, please reach out to your financial institution directly - they'll be able to best explain why the fee was charged to your account and provide any recommendations to avoid the fee in the future.

It's some other issue.

If for some reason those steps don't help clarify the amount you've been charged, please use the "Submit a Request" button at the top of the page to get in touch with our team. If you are able to add screenshots of the charges you're seeing (be sure to hide any personal information!), that will often help us best diagnose the problem.

*Fees may not be applicable to shoppers in certain regions—please review our user agreement for more information. Where imposed, fee amounts are determined by individual state regulations and will reflect accordingly on your Sezzle account upon reschedule or failed payment.

When a refund is issued to your Sezzle Card, the refund may not be applied to the installment plan associated with the order that was refunded. Our system first detects orders with outstanding installments, and it may issue the refund to those orders before going back to the original order. This prevents you from receiving a credit only to have another installment on an order be charged later. To view which orders were affected by your refund, log into your Sezzle account and navigate to your refunded orders. By selecting “Adjusted orders," you’ll be able to view which orders have refunded, canceled, or reduced installments due to the refund received. If the merchant issues store credit, no changes will be made to your Sezzle order. You will still be responsible for all payments, as you are now essentially paying off a gift card.

If a refund is issued to your payment method after outstanding installments have been canceled, the refund typically appears on your statement within 10 business days from the date you receive the email from Sezzle. Depending on the amount of orders and installments on your account, our refunds can either appear in amounts equal to each installment or as a lump-sum. We recommend checking for refunds from Sezzle instead of looking for a certain dollar amount.

If you still have questions regarding a refund issued to your virtual card, feel free to reach out to our team using the "Help" button to the right of your screen and we would be happy to assist.

Due to how Sezzle checkouts work, there isn't a way for an order to be placed without access to either your phone itself or your Sezzle account. Because of that, it's very unlikely an order on your Sezzle account was not placed by you. It’s not uncommon for merchants to use a different name than what is listed on their website, so occasionally you may have orders on your Sezzle account that do not appear to be from a familiar merchant.

If you see an order on your account that you don't recognize, we recommend checking your email for order confirmations from around the same date—it's very likely you will have a confirmation for a purchase matching the exact dollar amount. You may even want to do a quick Google search for the merchant associated with the purchase to see if you're able to pull up their website.

In addition, some merchants will split up their orders when it comes time to ship. For example, if you had a $100 order and the merchant was only able to ship $25 of merchandise, they may actually process a new order of $25 and issue a refund for $75, or the rest that they could not ship, to the original $100 order. This can suddenly make it appear as if you have more orders with a merchant than you actually placed, especially since the refunds might not appear immediately. If that's the case, we recommend you reach out to the merchant directly and have them look up all orders under your name so they can clarify the status of your order and any refunds they may be issuing.

If the order you do not recognize was placed with your Sezzle Virtual Card and you believe it to be fraudulent, you can use the "Lock Card" feature to protect your card from any future fraudulent use and report the problem on your Sezzle app. To find out how to do this please visit the FAQ link below.

If you have tried all of the steps outlined below and that did not resolve your concern, feel free to reach out to our team and we would be happy to assist!

Help Article: I want to lock my virtual card and report fraudulent activity.

Security is critically important to us here at Sezzle. We undergo quarterly audits for Payment Card Industry (PCI) compliance to ensure all the data you provide as well as the data associated with your orders is safe. PCI compliance is the industry-standard method of gauging security, and we are currently certified up to Level 1, which is the highest level attainable.

If you have additional questions regarding Sezzle's security, we have included a few resources below that may be useful.

Resources:

PCI Compliance and Sezzle

Sezzle Privacy Policy 

Sezzle User Agreement

Installments over 3, 6, or 12 months

At Cerqular, you can choose Affirm as a payment method during checkout and seamlessly apply for a loan to pay for your items right then. You can choose monthly payment options that work with your budget.

4 interest-free payments

Depending on the merchant and your order value, you can make 4 interest-free payments, every two weeks, so you pay your purchases off quickly with no impact on your credit.

To pay with Affirm at other merchants, you can apply for a loan at affirm.com or in the Affirm app, and you'll get a virtual card you can use at most stores, both online and in brick-and-mortar stores. It works like a credit card - just choose to pay by credit card at checkout, then enter your virtual card number.

When you’re approved for a loan in our app or on affirm.com, you can have the loan amount loaded onto a virtual Visa card. It's meant to be used one-time only, at a merchant of your choice, either online or in-store (most merchants who accept Visa cards will accept an Affirm Visa virtual card as a form of payment).

Card expiration and leftover money

A virtual card expires 24 hours after it’s issued, and you won’t owe anything if you don’t use it. You can cancel the card at any point before it expires, and you won’t owe anything. It’s also fine to only use a portion of the funds. You’ll only owe the amount you spend, plus any accrued interest.

After the merchant processes your purchase, we’ll provide a payment schedule for the full card amount. After 21 days (or longer, depending on your transaction), we’ll return any funds you didn't spend and update the payment schedule accordingly, you can expect a smaller final payment, fewer upcoming payments, or both.

We wait 21 days (or longer, depending on your transaction) because some merchants may take that long to process all the items in your order. In very rare cases, it may take up to 90 days to remove the unused amount from your loan balance.

Please note that you can’t use your virtual card at merchants that sell goods or services that are in violation of Affirm’s Terms of Service such as firearms and alcohol.

You can request a virtual card in your Affirm account.

There are three places to access your virtual card: in the Affirm app, in your account on the Affirm website, or via the confirmation email we send you after you request the card.

When paying with your virtual card online, it works like a standard credit card. At checkout, choose credit card as your payment method, then enter the card number and other requested information.

Pay online

1. To pay online:
2. Go to checkout
3. Choose to pay with a credit card
4. Enter your virtual card’s 16-digit card number
5. Enter your own billing address
6. Complete checkout

Use Apple Pay

To pay in a store with an iPhone 8 or earlier:

1. Before checkout, add your virtual card to Apple Pay
2. At checkout, look for the Apple Pay symbol
3. Hold your device near the card reader to open Apple Pay
4. Tap to choose your virtual card
5. Rest your finger on Touch ID until you see Done

1. Before checkout, add your virtual card to Apple Pay
2. At checkout, look for the Apple Pay symbol
3. Double-click the side button of your device to open Apple Pay
4. Tap to choose your virtual card
5. Glance at your device to verify with Face ID
6. Hold your device near the card reader until you see Done

Use Google Pay

To pay in a store with an Android device:

1. Before checkout, add your virtual card to Google Pay. Also, turn on NFC in settings
2. At checkout, look for the Google Pay symbol
3. Open Google Pay. Swipe to choose your virtual card
4. Hold the back of your device near the card reader
5. Choose Credit when prompted. You’ll see a blue checkmark once you’ve paid

You can cancel the card at any point before it expires, and you won’t owe anything.

In the Affirm app

1. On the home screen of the Affirm app, tap View card
2. Tap Edit or cancel card, then tap Cancel card

1. On the homepage, click the virtual card timer in the upper-right corner
2. Click Edit amount or cancel card, then click Cancel card

Affirm also works with Cross River Bank, Member FDIC, to provide interest-bearing savings accounts with no minimum deposit requirements and no fees. After you securely link your bank account to your Affirm savings, you can transfer money into your account. However, you may not make more than six withdrawals or transfers from your account during any monthly statement cycle.

When you prequalify, you get an estimate of how much you can spend with Affirm. You don’t have to use the full amount, and you’re not on the hook to pay anything back until you actually make a purchase.

Prequalified amount vs. credit limit

A prequalified amount is an estimate of what a lender may qualify you to borrow in the future. This is different from a credit limit. A credit limit is the maximum amount of credit a lender has already decided you can borrow.

Ways to prequalify

Prequalifying just takes a minute and won't affect your credit score. Look for the option in our app or at our partner stores. These two experiences are a bit different, so we’ll break it all down for you.

Prequalify in the app

The app gives you an idea of how much you can borrow through a virtual card. Later, if you request a loan and are approved, you’ll get a virtual card to use at almost any online or in-store checkout.

Prequalify at partner stores

Our partner stores may give you the opportunity to prequalify while you’re on their site or in their store. This shows you how much you can borrow to use only at their store.

The app vs. partner stores

Keep in mind, you might prequalify in the app, but not at a partner store. Or, you may prequalify at a partner store, but not in the app.

That’s because these experiences work differently. Use the app to see if you prequalify almost anywhere. Visit a partner store to see if you prequalify with just that store.

Which should you choose?

Up to you! There’s no harm to your credit score if you try to prequalify both in the app and at a partner store.

Prequalified, but not approved

Unfortunately, we can’t guarantee you’ll get approved, even if you’re prequalified. That’s because your prequalified amount is an estimate. It may change—or go away—depending on a few different things. This includes your borrowing and payment history at Affirm and elsewhere.

Example

Let’s say you prequalify for a new purchase, then miss a payment on a current purchase. For the short term, you may still see that you’re prequalified. But if you go on to apply to pay over time, that missed payment may impact your ability to use Affirm.

Thousands of stores offer Affirm as a payment option at checkout. But if you don’t see us at checkout, you can still pay over time. Just download the Affirm app (or sign in at affirm.com), tell us where you’re shopping, and we’ll give you a one-time-use virtual card you can use to complete your purchase online or in stores. Then, pay us back over time.

Thousands of stores offer Affirm as a payment option at checkout. But if you don’t see us at checkout, you can still pay over time. Just download the Affirm app (or sign in at affirm.com), tell us where you’re shopping, and we’ll give you a one-time-use virtual card you can use to complete your purchase online or in stores. Then, pay us back over time.

In order to get a refund, please contact the store where you bought your item to request a refund. They can let you know if a return is possible and how much the refund will be, according to their own return policy.

Once we receive the refund, the refund amount will show up in your loan timeline within 3–10 business days, and your balance will be updated.

Making payments

While you’re waiting for your refund, please continue to make any monthly payments that are due.

Refund application

Refund is less than balance

If your refund is less than your total purchase balance, it might not lower or cover your next monthly payment. Instead, you can expect fewer monthly payments, a smaller final payment, or both.

Refund is more than balance

If your refund is more than your purchase balance, you will get back the difference, minus any interest you have paid. Affirm will credit your payment method within 3–10 business days.

Getting a refund by check

When you get a refund for a returned purchase, Affirm refunds your money back to your original payment method. That means if you made payments by check (including money orders, MoneyGram, cashier's check, and so on), you will receive your refund by check.

However, there are a few cases when you will get a refund by check when you originally paid with a debit card or ACH payment:
 

1. The refund was initiated 180 days or more after the original payment.
2. Your original payment method is closed or no longer active. Since Affirm cannot issue a refund to a different account, Affirm will refund by check.
3. Our payment processor is unable to process the refund back to the original payment method.

To ensure you receive your refund in a timely manner, we want to make sure your address information on file is up to date. In most instances you should expect to receive your check within 30 days of when you became eligible for the refund.

If you overpaid a loan payment, you can request a refund here. You will receive the refund by check if you made the payment by check.

Refunds for paid interest

Unfortunately, we do not refund paid interest. When you make payments, the funds are first applied to the accrued unpaid interest and then the principal. Since interest is the only cost of borrowing with Affirm, it is not refundable.

Where is my refund?

To see the status of your refund:

1. Sign in to your Affirm account.
2. Navigate to Pay.
3. Select your purchase.
4. Your refund will show up as an adjustment in your purchase details.

Don’t see it? Your refund will show up within 3–10 business days.

If you are unable to resolve an issue with the merchant 

If you have an issue with your purchase and the merchant can’t help, you can contact us to open a dispute on your behalf, as long as you made the purchase within the past 60 days. Here’s how the process works:

• If we open a dispute, both you and the merchant have 15 calendar days to provide evidence to support your claim.
• After reviewing the evidence, we'll notify you of a decision within 15 calendar days (it could be up to 90 calendar days at some merchants if you used a virtual card for the transaction).
• While your purchase is in dispute, you're not allowed to make payments on your loan.
• If the dispute is resolved in your favor, we'll refund the full amount of your purchase, minus any interest paid.
• If we resolve the dispute in the merchant's favor, then your original payment schedule will still apply. This means that any payments that were due during the dispute period will be immediately due.

How to start your dispute with Affirm

Note: For disputes on purchases made with Debit+, see Debit+ issues and disputes.

1. Log in to your account at affirm.com. (Note: this is currently available only through the affirm.com website and not through the app.)
2. Click on the loan you’d like to dispute.
3. If your loan is eligible, you’ll be asked a series of questions to gather information about your purchase and your dispute. We’ll ask you to upload evidence about your specific dispute.
4. When you’re finished filling out all fields and uploading evidence, click submit.

That’s it! We’ll keep you updated on your dispute, but you can always check the status by signing in to your secure messaging portal here on the Help Center.

Note: Please do your best to fill out all fields. This will help our team resolve the issue faster.

If you haven't received your item 

Reach out to the store where you placed the order. They can give you any updates on processing, shipments, cancellation, returns, and refunds.

If you canceled an order or returned an item

If your order has not been finalized or completed yet please see order issues and cancellations.

If your loan was processed and the merchant has finalized the cancellation or return, which can take up to 21 days or longer, we’ll update your Affirm account with the cancellation or loan refund, as appropriate.

Depending on how long it takes the merchant to finalize the return, and how much is refunded, we’ll either void the loan, which means you’ll no longer see it in your Affirm account, or we’ll update your loan principal balance and payment schedule.

Note: If the merchant gives you a store credit instead of a refund you’ll still be responsible for your Affirm payments, and your payment schedule won’t change. Similarly, if the merchant charges any restocking or return fees, then you’ll be responsible for any remaining balance on your loan. For more information on how refunds are processed, please see get a refund.

If you haven’t received your refund

It’s normal for a refund to take a while to be reflected in your Affirm account. Once we receive the refund from the merchant, which can take 21 days or longer, it can take 3–10 additional business days to update your account.
 
If you’re still being billed for a returned item

It’s normal to still get payment reminders while you’re waiting for a return to process. Merchants can take up to 21 days, and sometimes even longer, to process a return, so we can’t update your Affirm account until the merchant does their part.

You should still make any payments that come due, to avoid late payments. Rest assured that when the return is fully processed, we’ll refund the entire purchase amount of the items you returned, minus any interest you’ve paid.