Affirm

What is Affirm?

Affirm is a secure and convenient payment method. It is a Buy Now, Pay Later financial services tool that allows customers to buy what they love with full transparency and with no hidden fees – not even late fees.

The key benefits of using Affirm is you always know exactly what you’ll owe and when you’ll be done paying. Also, it offers the option to split purchases into regular payments with Affirm Installments.

2. How do I use Affirm?

Step 1: Shop your favourite stores online or in-store and pay later with Affirm. You’ll see us at checkout, or you can request a virtual card in the Affirm app. To sign in click here

Step 2: You’re in control. Pick the payment option that works for you and your budget—from 4 interest-free payments every 2 weeks to monthly installments.

3. Does Affirm charge interest and fees?

Fees – No fees to all. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account.

Interest - Depending on the size of your purchase and where you’re shopping, your payment plan may include interest. You’ll never owe more interest than you agree to on day one—so you always know exactly what you’re getting into.

4. Will Affirm affect my credit score?

Creating an Affirm account and seeing if you prequalify will not affect your credit score. If you decide to buy with Affirm, these things may affect your credit score: making a purchase with Affirm, your payment history with Affirm, how much credit you've used, and how long you’ve had credit.

5. How does the Affirm payment schedule work?

With Affirm, you get the option to split the cost of the purchase into multiple payments. If you opt to use Affirm, then choose four interest-free installments, or monthly installments as per your convenience.

6. What if I can’t pay a Affirm Installment?

There are no late fees for customers who miss a scheduled payment. However, partial payments or late payments might impact your credit score, or your eligibility to use Affirm Installments in the future. We encourage you to use Affirm responsibly. Please see Affirm Terms of Service for further details.

7. When will my items be delivered if I use Affirm?

Affirm orders are delivered within our standard delivery timeframes like any order from Ragnco.com. Visit our Delivery page here for more information.

8. How do I return or exchange an item purchased with Affirm?

Items purchased with Affirm follow our standard return process. Please note, refunds for Affirm purchases will be refunded from ragnco.com to customers. They will need to keep paying their installments as they have opt for their payment options. You can view the details by logging in to your Affirm account.

9. Where can I find out more about Affirm?

Visit the Affirm website here for a comprehensive list of FAQs, Affirm Terms of Service here, and Privacy Policy here.