Affirm is a financing alternative to credit cards and other credit payment products. Affirm offers instant financing for purchases online. With Affirm, you can buy and receive your purchase now, and pay for it in fixed monthly installments over the course of three, six, or twelve months.

Affirm customers must:
- Be a resident of the U.S. (including U.S. territories).
- Be at least 18 years old (19 if you're a ward of the state in Nebraska).
- Have a Social Security number Own a phone number that receives SMS and is registered to the United States or U.S. territories.

Yes, when you first create an Affirm account, Affirm perform a «soft» credit check to help verify your identity and determine your eligibility for financing. This «soft» credit check will not affect your credit score.

Yes, protecting your personal information is very important to Affirm. Affirm encrypt sensitive data including Social Security numbers. Affirm also maintains physical, electronic, and procedural safeguards to protect your information. Affirm does not sell or rent your information to anyone.

You can pay your Affirm bills online at www.affirm.com/pay. They accept payment by debit card, bank transfer and check.

Affirm tries hard to approve every purchase but sometimes can't approve the full amount. When this happens, Affirm provides a debit card down payment option so that you may still complete your purchase right away.

Affirm sometimes requires additional information to consider a credit application. Such information may include an active checking account, which helps Affirm verify your identity and your ability to repay the requested loan. If they prompt you for this information but you are unable to provide it, Affirm will be unable to approve your credit application.

You should see a refund from Affirm post within 3 to 10 business days, depending on your bank’s processing time.

A refund will post to your Affirm account if we process your refund request. In the event that we issue you store credit instead of a refund, you will still be responsible for paying off your Affirm loan. If you have already made loan payments or a down-payment, Affirm will issue you a refund credit to the bank account or debit card that you used to make the payments. You should see a refund credit within 3 to 10 business days, depending on your bank’s processing time.

Installments by Afterpay is a service that allows you to make purchases now and pay for them in four equal payments without any interest.

Simply shop online and add items to your shopping cart and checkout as normal. At checkout choose Afterpay as your payment method. First time customers will need to register with Afterpay and provide payment details as usual, returning customers simply log in to make their purchase. It’s that easy! Please note that all items in your shopping bag must be eligible for Installments by Afterpay. A minimum purchase amount may apply and you must meet additional eligibility requirements to qualify.

Subject to Afterpay’s eligibility and availability requirements, installments by Afterpay can only be applied to purchases made on sohomod.com website.

Installments by Afterpay is only available to customers with a U.S. billing address within the U.S. and a U.S. mobile phone number. Customers with international billing addresses will not be able to set up an account with Afterpay.

All customers are required to make their first payment at the time of purchase, with the remaining three payments deducted automatically every two weeks from your chosen payment method. If you choose to make additional payments before your scheduled pay dates, you may do so through your Afterpay account.

You can log in to your Afterpay account to view your payment schedule and make a payment before the due date if you choose to do so.

If funds are not available or you otherwise do not make your payment when it is due, late fees may apply. Click here for complete terms.

Afterpay orders are delivered as per our standard shipping timeframe after you complete your order online.

Yes, Afterpay is available for orders between $1 - $2,000.

If you have changed your mind, you can return your Afterpay purchase for a refund. Please check that your return or exchange meets our Return policy. Afterpay will be notified of your return and will process the appropriate refunds. Please do not return your purchase to Afterpay.