Does Amazon Take Affirm? (Queries + Answers)

Affirm is one of the payment methods that recently rose to popularity. It is well-known for its tagline, “Buy now, pay later.”

That means customers can make divisions of the original payment. It is available in various stores, including Walmart.

The main concern is whether Affirm is available in e-commerce stores or not. When it comes to this category, Amazon is the biggest name. Does Amazon take Affirm?

Let’s find out!

Does Amazon Take Affirm?

Yes, Amazon does accept Affirm. You can choose it as a payment method during checkout as of 2022.

Amazon recently partnered with Affirm. It has been offering the “Buy now, pay later” services since 2021.

Affirm can be used as a payment method during checkout. However, the minimum order should be at least $50.

If the total payment is below $50, you can not use Affirm. That’s because it is used to make divisions of the total pay.

How Do I Use Affirm Virtual Card on Amazon?

First of all, you have to save the Affirm Virtual Card as a payment option on your Amazon account. After that, you can use it on any purchase.

Saving a payment method on Amazon is pretty straightforward. First, go to your account.

Then, navigate to “Payment Options.” There, enter the card information to save it. You can also set it as the default payment method.

Either way, it will be available now. You can change the payment method to Affirm Virtual Card during checkout.

Why is Affirm Not Showing Up on Amazon?

Affirm is available on Amazon, but with some restrictions. For instance, you can not use this payment method on orders under $50.

Additionally, Affirm can not be used on Whole Foods Market or Amazon Fresh. You will have to opt for a different payment method when buying from these two markets.

Also, some purchases are not available with Affirm. That includes gift cards, Kindle books, groceries, etc.

Another reason can be overdue payments. If you have some on your account, you will not be able to use Affirm. That is until you clear the due payments.

Read: Does Amazon Take PayPal

Can You Borrow Money From Affirm?

Yes, Affirm does offer personal loans. These may range from $50 to $17,500.

There are various loans at Affirm. But, all of them are personal loans. Also, their terms and durations differ from one another. Generally, you will get 3 to 36 months to return the money.

The best part is that you can apply for an Affirm loan online. That means you will get it from the comfort of your home.

Can I Transfer Money From Affirm to My Bank Account?

Yes, you can transfer money from Affirm to your bank account quite easily.

First, open the Affirm application on your phone. Now, go to “Savings.” There, you can open your account. Now, tap on “Withdraw” and enter the desired amount.

Once decided, you can choose the link bank account. And, Affirm will transfer the requested money to your account.

Does Affirm Affect Your Credit Score?

No, Affirm does not affect your credit score. That’s because it is pretty good with loan applicants’ credit histories.

You can take an Affirm loan with 0% APR. It comes with four biweekly payments, depending on your requested amount. Due to that, your credit score is not affected in the process.

However, the APR does depend on your credit score. You can get it as high as 30% and as low as $0. That depends entirely on your eligibility, considering your history.

What Items Are Not Eligible for Affirm?

Affirm restricts weapons, narcotics, cryptocurrencies, cash advances, loans, and money transfer services as ‘not eligible.’

However, it is not fair to say that only these items are restricted for Affirm. Generally, it varies from store to store.

For instance, Walmart deems alcohol, groceries, pharmacy, firearms, personal care, and money services non-eligible for Affirm.

On the other hand, Amazon considers Whole Food Market and Amazon Fresh products non-eligible, among gift cards and Kindle books.

Related: Does Amazon Sell Airline Tickets

To Wrap Up

That’s all you need to know about Amazon and Affirm as of August 2022. This payment method is available on the giant e-commerce store. And, it is pretty convenient.

It can help you fit even expensive products into your budget. That makes purchasing items like home appliances and furniture affordable.

Almost all modern stores allow Affirm. You will find it in various online and physical retailers, regardless of their sector.