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What is Affirm?

To provide you with the best online financing options H2O Wireless has teamed up with Affirm. Affirm provides an easy to use, affordable, and transparent credit option. Finance the device that you need with low monthly payments and flexible payment plans.

Why pay with Affirm?

Affirm allows you to select an extended payment plan so you can make low monthly payments that fit your budget.

How do I pay with Affirm?

  1. After selecting your device and proceeding to checkout you will be asked to choose your payment option. Simply select Affirm and click next. On the next page select checkout with Affirm and you will be redirected to Affirm’s website.
  2. Follow the prompts from Affirm and enter all requested information.
  3. Affirm will run a soft credit check. If you are approved you can then select from the available payment schedules.
  4. You will then be prompted to enable Autopay (see below for more information). If you wish to enable Autopay you can then enter your information. If you want to pay with another method, you will be able skip this step.
  5. Once you confirm the terms and conditions you will be taken back to the H2O confirmation page, where you will see the details of your order.

What if I am denied an Affirm loan?

If you are denied a loan by Affirm, you can still purchase your selected device. However, you will not be able to finance your purchase, and must make the desired purchase using one of the other payment options available on the H2O Wireless website.

Can I finance an H2O Wireless Airtime plan with Affirm?

No, you will not be able to finance H2O Wireless airtime plans through Affirm. If you add both a device and H2O Wireless airtime plan to your cart and proceed to Affirm’s website to finance the device, the H2O Wireless airtime plan will be removed from your cart. You will need to purchase an H2O Wireless airtime plan in a separate transaction and then choose from one of our other payment options.

What is Autopay?

Affirm offers an automatic payment system that automatically bills your debit card or bank account on the due date of each monthly payment. You can easily set up Autopay when you set up your loan or through your account on the Affirm website. For more information, please visit https://www.affirm.com/help/payments-and-billing/using-autopay

What is required to pay with Affirm?

To finance your device through Affirm, you must be 18 years of age or older and provide the following information:

  1. Valid U.S. home address
  2. Valid U.S. Mobile or VoIP number (you will need to also be able to receive and sign up for receipt of SMS texts)
  3. Full name
  4. E-mail address
  5. Date of birth
  6. The last 4 digits of your social security number

Does Affirm perform a credit check?

A soft credit check is performed to verify your identity and determine if you are eligible for financing. This credit check does not affect your credit score.

What payment plans does Affirm offer?

Affirm offers 12, 18, or 24 month payment plans. See your individual offer for details.

What are Affirm’s interests and fees?

Loans vary between 0%-30% APR with no other fees including late fees. Please see your individual offer for interest.

Will Affirm keep my personal information safe?

Yes, all personal information received by Affirm is encrypted. For more information please visit https://www.affirm.com/privacy/

Is there a down payment with Affirm?

For some offers there is a set down payment that must be paid immediately before the loan is provided.

What are the due dates for Affirm loans?

The first monthly payment is due one (1) calendar month from the day that the loan is processed by Affirm. Affirm will send both e-mail and SMS text updates to confirm billing due dates. Unpaid loans may affect your credit score and incur further consequences.

Are refunds available?

H2O Wireless has a fourteen (14) day return policy on devices and that policy applies to products financed through Affirm. See H2O Wireless return policy at www.h2owireless.com for more details. If no payments have been made to Affirm and your device is returned within the fourteen (14) day period, you will not need to pay off your Affirm loan. Once a payment has been made to Affirm, the loan must be repaid.

How do I pay my Affirm loan?

3 Different Ways:

  1. Online, at www.affirm.com/pay
  2. Via debit or ACH transfer, with auto payment option available (please note that ACH transfers may take three to five days to display)
  3. By check to: Affirm, Inc. P.O. Box 720 San Francisco, CA 94104

Where can I get more information about Affirm?

For more information about Affirm, please visit https://www.affirm.com/help/

Where can I get information about billing disputes?

For more information about billing disputes, please visit https://www.affirm.com/contact/

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