“Rates range from 0% to 36% fixed Annual Percentage Rate ("APR"), depending on your creditworthiness and/or the type of product offered (0% APR may only be offered at select merchants).”
This analysis describes what Affirm's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
The disclosed rate range reveals that borrowing through Affirm can carry a significant interest cost of up to 36% fixed APR, and the 0% APR option is not universally available.
The reader may be charged up to 36% fixed APR, with the actual rate depending on their creditworthiness and/or the product type; 0% APR is only possible at select merchants.
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"Rates range from 0% to 36% fixed Annual Percentage Rate ("APR"), depending on your creditworthiness and/or the type of product offered (0% APR may only be offered at select merchants).Excerpt from Affirm's Terms of Service
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The disclosed rate range reveals that borrowing through Affirm can carry a significant interest cost of up to 36% fixed APR, and the 0% APR option is not universally available.
The reader may be charged up to 36% fixed APR, with the actual rate depending on their creditworthiness and/or the product type; 0% APR is only possible at select merchants.
ConductAtlas has identified this type of provision across 219 platforms. See the full comparison.
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