FINANCING WITH AFFIRM
We have partnered with Affirm to offer easy financing on purchases made on Citizenwatch.com. After entering a few pieces of information through their secure interface, Affirm will give you a real-time decision so you can choose to buy now and pay over time.
To learn more about how Affirm can assist you with easy monthly payments please visit www.affirm.com
FREQUENTLY ASKED QUESTIONS
HOW DO I SIGN UP FOR AN AFFIRM ACCOUNT?
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 in Nebraska).
Provide a valid U.S. or APO/FPO/DPO home address. Buy with Affirm is not currently available to Iowa or West Virginia residents.
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 Affirm verify your identity.
ARE THERE ANY INTEREST OR FEES ASSOCIATED WITH AFFIRM LOANS?
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.
DOES AFFIRM PERFORM A CREDIT CHECK?
When you first create an Affirm account, a ‘soft’ credit check is performed to help verify your identity and determine your eligibility for financing. This ‘soft’ credit check will not affect your credit score.
DOES AFFIRM REPORT TO CREDIT BUREAUS?
Affirm reports information about your loan and payment activity to Experian (and plans to report to other credit bureaus in the future).
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.
HOW DO I MAKE PAYMENTS ON AN ORDER THAT I PAID WITH AFFIRM?
Payments on your Affirm loan are made directly to Affirm. Before each payment is due, Affirm will send you reminders via email and SMS that will include the installment amount that is due and the due date. You can also sign up for autopay so you don’t risk missing a payment.
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 follow the instructions at www.affirm.com/pay
ARE THERE ANY PENALTIES FOR PAYING OFF MY LOAN EARLY?
No, there are no prepayment penalties or fees for paying off your loan early. Also, if you pay off your entire loan before the final due date, you will pay interest only for the period that you borrowed the money. Affirm rebates any unearned portion of the finance charge for the remaining loan period. To see the total pay-off amount, go to your Affirm account and click on ‘Make Payment’.
HOW DO I RETURN MY PURCHASE AND GET A REFUND?
If you would like a refund on your Affirm purchase, please contact Citizen Customer Service. Citizen offers a 30-day, money-back guarantee for items purchased through Citizenwatch.com directly. Full details of the return policy can be found here. After Citizen completes processing your refund, Affirm will credit your loan balance for the amount of the refund. You will still be responsible for paying any remaining balance on your loan after the refund.
HOW WILL A FULL REFUND AFFECT MY AFFIRM LOAN?
If Citizen completed processing a full refund before you’ve made any loan payments, you will no longer need to repay your Affirm loan. Any payments already made will be refunded to your original form of payment, less any accrued interest, within 3–10 business days.
IF I RECEIVE A REFUND, WHAT HAPPENS TO ANY PAYMENTS I’VE MADE?
If the refunded amount exceeds your remaining loan balance, Affirm will directly refund the difference, less any accrued interest, to your original form of payment within 3–10 business days.
WHO DO I CONTACT ABOUT QUESTIONS OR DISPUTES RELATED TO MY AFFIRM LOAN?
For questions about your Affirm loan, please contact Affirm by emailing firstname.lastname@example.org or by calling (855) 423-3729.