JcrOffroad is now accepting @affirm ++++ Affirm is an online lender for retail products that works by providing up to $17,500 in financing directly through its partner stores. It’s similar to a credit card, allowing you to make an online purchase immediately and pay it back it in fixed installments. Rates typically range from 0% to 30%, though 0% financing isn’t available with every store. You typically have up to one year to pay it back. You can borrow with Affirm through its website or through one of its partner’s websites. At checkout, simply choose Affirm as your method of payment. Unlike some other lenders or credit cards, Affirm performs a soft pull on your credit, meaning your credit score won’t be affected. Once you get a loan, you’ll be notified with a text or email before each monthly payment is due. Choose to pay with ACH transfer, debit card or check. If you choose to pay back your loan sooner, you’ll save on interest and won’t be charged a prepayment fee.