What Is an "Affirm" Charge on My Bank Statement?

An Affirm charge is a monthly installment payment for a purchase you financed through Affirm's buy now, pay later service. Affirm offers 3 to 36-month payment plans.

Plain-English explanation

Affirm lets you split purchases into monthly installments, sometimes with 0% APR promotions. Each monthly payment appears as 'Affirm' on your bank statement. Affirm is commonly used at major retailers including Walmart, Amazon, and Best Buy.

Most common reasons this appears

• Monthly Affirm loan payment for a large purchase
• Automatic payment for an Affirm 'Pay in 4' order
• Affirm interest charge if on an interest-bearing loan

How to verify this charge

• Log in to affirm.com → Loans to see all active payment plans.
• Match the charge to the scheduled payment date and amount.
• Contact Affirm at affirm.com/help if there is a billing discrepancy.

When to be concerned

• Charge taken after your loan was fully repaid.
• Interest charged when you were on a 0% APR promotion.
• Loan amount doesn't match any purchase you recall.

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