Pay with Affirm

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  • Updated

Issue Description

When you want to pay in installments payments, Affirm is available for American customers, Shoppay for Canadian customers and Australian customers, and installment is not available for other customers.


1. Can't Apply for Affirm

Affirm Monthly payments are available for US customers ordering products that are not back-ordered. To see if Affirm determines that you are eligible:
  • Go to and choose what you'd like to purchase. If you include an item in your purchase that is back-ordered, monthly payments will not be available.
  • Enter your name and address.
  • Select "Monthly Payments".
  • Choose "Buy with Affirm".

2. 0% Interest Rates

When a customer applies for a loan at checkout, Affirm uses a model that takes into consideration a variety of factors: the approval amount term lengths-current economic conditions eligibility criteria—which include things like credit score, payment history with Affirm, and how long an account has been active with us. APR that is offered to customers may be different depending on creditworthiness and other factors. Some customers may not qualify for the 0% APR financing, in which case they will be offered 10-30% APR for the lowest term length instead.
You learn more about Affirm, including their contact information, at
Note: APR, or Annual Percentage Rate, is a rate charged per year on an amount of money that is borrowed as a loan or invested which factors in associated fees in addition to the interest rate.

3. Prequalify

When you prequalify, you get an estimate of how much you can spend with Affirm. You don’t have to use the full amount, and you’re not on the hook to pay anything back until you actually make a purchase. You can check it on every product page.

4. Interest and Fees

Fees - We don’t charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account. Interest - On xTool Official Store, qualified customers can enjoy 0% APR up to 18 MO. You can check it on a product page, which shows loan terms, APR of each, and interest. Some customers may not qualify for the 0% APR financing, in which case they will be offered 10-30% APR for the lowest term length instead.

5. Refund

Affirm orders can be refunded. If you want to do it, please contact xTool Team first. Once we confirm your demand, we will refund your money to your affirm account. While you’re waiting for your refund, please continue to make any monthly payments that are due. For more affirm info, please check

6. Credit score

Creating an Affirm account and seeing if you prequalify will not affect your credit score. If you decide to buy with Affirm, these things may affect your credit score: making a purchase with Affirm, your payment history with Affirm, how much credit you've used, and how long you’ve had credit."

7. How to Use Affirm

You’ll need a mobile phone number from the U.S. or U.S. territories. This helps Affirm verify it’s really you who is creating your account and signing in."

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