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Financing with Affirm

Financing with Affirm

ABOUT AFFIRM FINANCING

Dime City Cycles has teamed up with Affirm to offer easy financing - without a catch. Provide some basic information and get instant approval to split your purchase into 3, 6 or 12 monthly payments with rates from 0-30% APR. By using Affirm at checkout you can get all the parts you need now and start making payments in 30 days. The Affirm payment option is available to US residents 18+ on all orders over $50.

Add to CartAdd to Cart

Add at least $50 in parts/gear to your cart to be eligible for financing with Affirm.

Choose Affirm at CheckoutChoose Affirm at Checkout

Click Secure Checkout then choose Affirm at the Payment step.

Sign Up Get ApprovedSign Up & Get Approved

Enter your basic information to get a real-time approval decision from Affirm.

Make Your PaymentsMake Your Payments

Your first monthly payment will be due one calendar month from the date your loan is processed.

Simple Checkout

After a few basic questions you will be ready to finance all the parts you need to make your vision come to life. The process starts in "Payment" portion of our Secure Checkout process and the rest of your transaction will take place through the Affirm website.

Pick a loan that fits your budget, choose to pay off your purchase over 3, 6 or 12 months.

All successful orders are processed immediately and ship in 1-2 business days.

Payment Details

Your first monthly payment will be due one calendar month from the date your loan is processed. We will send you an email and SMS text message to confirm all of your billing due dates.

Each monthly payment will be due on the same day of the month throughout the loan period. For example, if you obtain a loan with three monthly payments on January 1st, your first, second, and third payments will be due February 1st, March 1st, and April 1st respectively.

How Do I Pay My Bill?

You can pay your Affirm bills online, by debit card or ACH transfer, and sign up for autopayment at www.affirm.com/pay. Please allow 3 to 5 business days for ACH transfers to be reflected on your Affirm account.

To pay by check, please write on each check (1) the mobile phone number you used to create your Affirm account, and (2) the loan ID (which you can find by signing in at www.affirm.com/pay and clicking on the applicable loan). Make the check payable to “Affirm, Inc.” and mail it to: Affirm, Inc. PO Box 2854 San Francisco, CA 94126

SEE HOW SIMPLE IT IS

Frequently Asked Questions

What information does Affirm require?

Your Affirm account is created using your name, email, mobile phone number, birthday, and the last 4 digits of your SSN. This combination helps Affirm verify and protect your identity.

How do I pay my monthly bill with Affirm?

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

Does Affirm perform a credit check?

Yes. When you first create an Affirm account, Affirm performs 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.

Why was I prompted to pay a down payment with a debit card?

Affirms 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.

Why was I prompted for a checking account?

Affirm sometimes needs more information about your financial situation to evaluate your loan application. They may ask you to link your online checking account, which helps determine your ability to repay a loan. If you are prompted to link your checking account and would like to continue with the application process, you may link your account by providing the login information for your online bank account. Affirm does not store your online banking login information - they simply pass your login credentials to your bank via a secure service linking your checking account.

Linking your checking account DOES NOT authorize Affirm to debit your account. It only allows them to determine your ability to pay.

Does Affirm perform a credit check?

Yes, when you first create an Affirm account, we 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, we may perform additional ‘soft’ credit checks to ensure that we offer you the best financing options possible.

GOT MORE QUESTIONS?
Read All Affirm FAQs here.

0% - 30% APR Financing Available

Choose AFFIRM at checkout and pay over 3, 6, or 12 months with rates as low as 10% APR available*.

*Previous purchases are ineligible for offer. Offer is subject to change at any time. Pay over 3, 6, or 12 months with financing rates from 0-30% APR when you complete a purchase using Affirm. Eligibility for financing and rates based on applicant’s creditworthiness. Affirm loans made by Cross River Bank, member FDIC.