To sign up for Affirm, you must:

• Be 18 years or older (19 years or older in Alabama or if you’re a ward of the state of Nebraska).
• Provide a valid U.S. or APO/FPO/DPO home address. Affirm is not currently available for purchases made by residents of Iowa or West Virginia.
• Provide a valid U.S. mobile or VoIP number and agree to receive SMS texts.
• Provide your full name, email address, date of birth, and the last 4 digits of your social security number to help us verify your identity.

Affirm loans vary between 10% and 30% APR simple interest. The corresponding finance charge is the only fee associated with an Affirm loan - there are no late fees, service fees, prepayment fees, or any other hidden fees.

Unlike a credit card, Affirm is not a revolving line of credit. While customers can take out multiple Affirm loans at once, each Affirm loan application is evaluated separately as a closed-end transaction. An application from a returning customer may be denied, however, if that customer has failed to repay other Affirm loans on time or if the customer shows excessive borrowing behavior.

Yes, when you first create an Affirm account, they 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.

If you apply for more loans with Affirm, they may perform additional 'soft' credit checks.

Yes, protecting your personal information is very important to Affirm. They encrypt all 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 read more about their Privacy Policyhere.

Affirm offers clear, simple financing for your online purchases in just a few clicks:

• Select the Affirm payment option at checkout.
• Enter some basic information to identify yourself. Affirm will let you know if you've been approved for a loan in real time.
• Review your payment plan details and click 'confirm' to finalize the loan. Remember to pay your bills on or before their due dates or sign up for autopayment at www.affirm.com/pay.

Affirm isn't always able to approve financing for the full amount of a purchase. When this happens, you will have the option of using a debit card to pay for the rest of your purchase. Regrettably, the down payment amount can't be changed.

Affirm sometimes needs more information about your financial situation to evaluate your loan application. Affirm may ask you to link your online checking account, which helps them determine your ability to repay a loan. If you're prompted to link your checking account and would like to continue with the application process, you may securely link your account by providing the login information for your bank account. Affirm may refresh your bank account information periodically, but you can unlink your account at any time in yourAffirm account settings.

Affirm isn't able to approve every loan application. If Affirm isn't able to approve your application, they will immediately notify you of their decision and denial reason via a secured message.

Your contract partner is always the watch's seller.

You can find more information about purchasing items via Chrono24 here:

• Purchasing from commercial dealers.

If you would like to finance an item using Affirm, the purchase will be processed via the Chrono24 Escrow Service. In this case, Affirm pays the amount due into an escrow account, where it is kept safe until you have received your item. You'll also benefit from Chrono24 Buyer Protection's full security coverage.

To make a purchase, click on the green "Buy" button on the listing page and then choose Affirm as your payment method. You can learn more about Buyer Protectionhere.

You can request financing via Affirm for any watch purchase of up to $17,500. Financing is not available as a payment method for watches over this price point.

If Affirm agrees to finance only a portion of your purchase, you can pay the remaining amount immediately in some instances. You will receive more detailed information directly from Affirm during the purchase process. Please note that financing via Affirm is limited to watch purchases of $17,500 or less.