What is Affirm? 

Affirm is a buy now pay later option that helps customers say “Yes!” to buying their new spa!

  • Quick & Easy
    • No credit impact to apply
    • Decision for loan approval in real-time.
    • Customer chooses a payment plan that’s best for them.
  • Transparent
    • Affirm communicates loan terms.
    • Customers know how much they owe, when to pay, & when they’re done paying.
  • Fair
    • No late fees, service fees, prepayment fees, hidden fees, or surprises ever!
  • 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
  • https://www.affirm.com/how-it-works

How does it work? 

1. Customer initiates checkout

A. Select Affirm at checkout on our site.B. You will be redirected to an Affirm modal or pop-up.C. Enter phone # to receive a text with a pin to create or sign into your account.

Checkout initiation
Checkout initiation

2. Account creation & Affirm application

A. Enter the following personally identifiable information to create your account:

  • First & last name
  • Phone number
  • Email address

B. Enter the following to check for eligibility for an Affirm loan:

  • Last 4 digits of SSN
  • Date of birth

C. You will receive a confirmation screen.

Account creation and eligibility
Account creation and eligibility

3. Customer receives their loan terms

A. If approved, you will receive your loan terms & pick a payment plan.B. Confirm payment plan.C. Complete purchase.

Loan terms and approval
Loan terms and approval

4. Affirm & order confirmation

A. You will receive a confirmation of your Affirm purchase.B. You will also receive an order confirmation screen for your order.

Affirm payment and order confirmed

Affirm payment and order confirmed


Affirm checkout overview:

The steps in the Affirm checkout flow.

Affirm’s basic checkout flow begins when the customer selects Affirm at checkout.

This graphic highlights the key points of the Affirm checkout flow.
This graphic highlights the key points of the Affirm checkout flow.