How it Works: Affirm

Affirm Monthly Financing

We are now working with Affirm, so you can find you  monthly payment plan that works for you.


What Is Affirm?

An alternative to traditional credit cards, Affirm allows you to pay for most items on papertwins.com through flexible financing over a period of time. The short application process requires providing some personal information—either through the pre-qualify link below or at checkout. In most instances, you’ll receive an immediate decision on your eligibility to purchase the creations to the delight of your little ones with payments over 3, 6, 12, 18 or 24 months.**

**For example, a $750 purchase may cost $66/mo over 12 months at 10% APR. A down payment may be required. Rates from 10-30%. Affirm payment subject to credit check and approval. For purchases under $100, limited payment options are available. Gift cards and engravable designs are excluded from purchases with Affirm. Estimated payment amount excludes taxes and shipping fees. Affirm loans are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC. See  www.affirm.com/faqs  for details.

Affirm only conducts a soft credit check, which won’t affect your credit score, and keeps all sensitive information safely encrypted and protected using industry standard security protocols. There are no late or hidden fees, and you will know the exact terms of your loan options—including APR and monthly payment amounts—before you decide on a plan, so you can select the one that works best for you.

How Affirm Works

 

 

Frequently Asked Questions

ELIGIBILTY OF ITEMS
Can I use Affirm to purchase presale items

Affirm is not eligible for presale items.

Can I use Affirm if I am purchasing outside of the US?

Affirm is available to customers solely in the United States.

RETURNS AND EXCHANGES
What happens if I return my order?

For most orders, Affirm will not charge you as long as your order is returned within 30 days of the date your order was placed. If your return is processed after 30 days, you will be charged for the interest for your loan up until the return. For select items, Affirm may require a down payment when you place your order. In this instance, your credit card will be refunded the down payment if your return is processed within 30 days.

What if my order is cancelled?

If your order is cancelled within 30 days, you will not be charged.