Buying Flights with Affirm FAQs
Is Affirm safe?
Yes. Using Affirm as a financing option is totally safe and a great way to pay for flights in monthly instalments as Affirm complies to industry standards to protect your data, transfers personal information with a cryptographic protocol and stores it with AES 128-bit or higher protection. So you can apply for a travel loan with peace of mind that your data is protected and securely stored. Read how safe Alternative Airlines is if you are unsure about setting up an Affirm payment plan with the online store.
How does Affirm financing work?
Affirm financing works by applying for a loan for your online purchases at the point of transaction. It is similar to using a credit card where you are able to pay back your purchase in monthly installments except, instead, it is a virtual one and it's pretty quick and instant to process. The loan can be applied up to the amount of $15,000 USD and what you don't use will be kept in a safe and secure Affirm virtual card. To begin the financing process, you must first submit an application through the dedicated Affirm window when you select Affirm at the checkout section of your order. You have to submit a U.S cell number and a soft credit check will be carried out to see if you are eligible for a loan. Make sure you qualify for an Affirm financing plan before you apply.
Will Affirm check my credit score?
Yes. When you create an account with Affirm, they will evaluate your credit score with a 'soft' credit check. This will require a few personal details and is done to check your eligibility for financing flights. The 'soft' credit check will not affect your credit score. This process occurs when you have chosen the flights you wish to travel and selected Affirm at the checkout.
Is there a credit limit with Affirm?
Affirm is not a revolving line of credit and each Affirm loan application is reviewed individually as a closed-end transaction. Find out more information on Affirm credit limits. Note, if you have not repaid a previous loan with Affirm and apply for another loan, you may be denied.
How is my personal information stored with Affirm?
What is an Affirm virtual card?
An Affirm virtual card is a digital card that displays the loan that is provided to you when it has been approved by Affirm or through the Affirm app. The virtual card is a 16-digit number that you input at the checkout and the card can only be used once. You can find out more about Affirm virtual cards and how to use them.
How do you get approved for an Affirm loan?
A loan through Affirm can be applied through either the Affirm website or App. When you are ready to pay for your flight ticket purchase, select Affirm at the checkout page and you will be led through to the approval process. A dedicated Affirm window will appear to follow instructions. Input a U.S mobile number and various loan offers will be then shown in the prequalification and will be dependent on the price of your purchase. You have to select the one you want and link with your bank account for payments. Affirm will then perform a soft credit check. If successful, the process is completed in a few minutes. You will then receive monthly payment reminders by SMS or email.
What is an Affirm payment?
An Affirm payment involves paying a fixed amount owed for a transaction you have chosen to finance. This is a payment plan that has been agreed between the customer and Affirm and is an alternative payment method to using a credit card. With Affirm's prequalification tool, you can see how much you owe each month before agreeing to take a loan out. Affirm's instant financing option is a simple way to pay and you will be reminded by SMS and email when your Affirm payment is due.
Can I use Affirm to pay for flights?
Yes. Affirm financing can be used through Alternative Airlines to pay for flights back in monthly or in bi-weekly installments, from 650 different airlines. Any international or US domestic flight found through the Alternative Airlines' website can be paid with an Affirm loan. So choose flights for a vacation or for a quick trip from a variety of airlines, such as United, Aerolíneas Argentinas and Delta. This gives you the option to finance American Airlines plane tickets, a multi-city flights or even on different flights around Southeast Asia and more.
Please note that airline tickets being purchased with Affirm must be by a U.S resident with a U.S cell number and does not apply to the states of Iowa and Virginia.
What are flight monthly payments with Affirm?
If you want to buy flights using Affirm travel for your next vacation, you will only need to pay back the agreed amount due. Your payment options depend on the amount of your purchase and on your eligibility. For smaller purchases, you’ll be able to make 4 interest-free payments every two weeks. For larger purchases, you’ll have the option to make 3, 6, 12, or 18 monthly payments -- and these options may have interest. Please be advised that a down payment may be required.
When is an Affirm down payment required?
Affirm will sometimes require a down payment of a fixed amount when to first begin the loan process for your flight ticket reservation. Once the down payment has been paid, Affirm will loan you the money for the remainder of the flight reservation. Your payment options depend on the amount of your purchase and on your eligibility. Smaller purchases can be made in 4 interest-free payments every two weeks with Split Pay. For larger purchases, the option to make 3, 6, 12, or 18 monthly payments are available and these options may have interest. Note that the loan is to be paid off directly to Affirm and not to Alternative Airlines.
What payment options are available to pay for my Affirm payment plan?
Affirm payments can be made with a Debit card or ACH transfer via the Affirm website. There you can make individual payments or set up to pay off your flight payment plan with automatic payments. You can also pay for your Affirm installments by check. To do so, you must make your checks payable to 'Affirm, Inc' and send them to the following address for each month of your payment plan:
P.O. Box 720
San Francisco, CA 94104
Make sure you write the mobile phone number associated with your Affirm account and your loan ID on each check.
See all our flexible flight payment plan options and the different ways you can buy flights on finance with Alternative Airlines.
What will my payment options look like?
Your payment options depend on the amount of your purchase and on your eligibility. For smaller purchases, you’ll be able to make 4 interest-free payments every two weeks. For larger purchases, you’ll have the option to make 3, 6, or 12 monthly payments—and these options may have interest.
Where can I make Affirm payments?
There are different ways you can repay your Affirm payments. You can visit the Affirm website and enter the details you used to create your Affirm account, which can also be done through the Affirm App to pay back your monthly bill too. Checks must be made payable to 'Affirm, Inc' and sent to the following address:
P.O. Box 720
San Francisco, CA 94104
If you have financed your flights with Affirm through Alternative Airlines, you will need to make your Affirm payments to Affirm directly and not to Alternative Airlines.
How do I make my Affirm payments?
Follow these easy steps to repay your Affirm payments on time:
- 1. Log in to your Affirm account
- 2. Enter your cell number where prompted. You will receive a unique security PIN number to your mobile.
- 3. Use this PIN number where directed and then continue to click "Sign in".
- 4. Once you have signed in, your Affirm payments will be displayed by month. Here you can make the payment you wish to repay.
- 5. Affirm payments can be paid with either ACH transfer or with a Debit card through the Affirm website. Checks made payable to 'Affirm, Inc' can also be paid towards your Affirm payments. You can also set up automatic payments with Affirm's AutoPay to ensure you don't miss a payment.
When your Affirm loan has been accepted for your flights at the point of transaction with Alternative Airlines, Affirm will send a payment reminder to you by either SMS or email, before each of your payments is due. It is advised that your Affirm account is updated with you contact information, such as your email and phone number in order to not miss a payment. Log into the Affirm App too to make payments easily.
What does prequalification with Affirm mean?
Prequalification with Affirm means that Affirm considers you are a suitable candidate to take out a loan based on the information you have provided. It is also a way to find out how you can sensibly spend on the online store you are browsing on. When you buy Affirm travel via the Alternative Airlines website, you will see the amount that will be required to pay each month for each flight result. Find out more if you prequalify with Affirm travel.
How do I prequalify for an Affirm loan to travel?
Affirm will analyse how much you can borrow to pay off your flight ticket purchase, which is also known as credit check. You will be given an estimated amount that you will have to pay back per month for your flights. The process does not take long and does not affect your credit score. If are buying flights with Alternative Airlines through the Affirm app, the prequalify process will go through a virtual card. There are a few ways to find out if you prequalify to take out a loan for travel with Affirm: you can either select the 'See if you qualify' button through the app or through the online process. Another way is by clicking on the blue "i" icon at the Alternative Airlines' online checkout.
Where can I buy flights with Affirm?
Qualified customers can book a range or a combination of flights at Alternative Airlines and safely pay off the ticket price in monthly installments with an Affirm loan. Alternative Airlines is one of the world's only online travel agency that offers Affirm as a payment method to pay for airline tickets, including Southwest Airlines, Delta Airlines and American Airlines. An Affirm loan can be applied anywhere in the U.S if you have a U.S address and U.S cell number except in West Virginia and Iowa.
Can I apply for an Affirm loan for flights?
Yes, once you have chosen the flights displayed on the Alternative Airlines travel site, you can apply for an Affirm loan for the airline tickets at the checkout to pay off in installments on credit. This is also known as Affirm travel, where you can use Affirm's financing service. During the loan application, a quick soft credit check will be carried out. Once you have successfully been granted a loan for your flights, you can begin to pay later over time. A loan can be applied for airlines including Alaska Airlines, Spirit Airlines or even on a range of commuter flights for business trips.
If you want to apply to use Affirm for flight travel, you must be over 18, be a U.S resident, have a U.S number and provide details for verification. Additionally, with those specifications, you can use Affirm travel for flights even in the U.K or anywhere else. Please note that Affirm is not applicable to residents in West Virginia and Iowa.
Where can I find an Affirm payment plan for flights?
You can set up an Affirm payment plan for flights with Alternative Airlines. Applying for an Affirm loan does not take long and you are able to begin a flight payment plan at the point of purchase. Simply use the search bar at the top of the page to find different results with 650 airlines and select Affirm to take out a loan to start a payment plan on flights. This can apply to all Norwegian flights and its subsidiaries, Philippine Airlines, Sun Country Airlines as well as many more airlines around the world. Make Affirm payments on a range of airline tickets on both domestic and international airlines. Read full information on all flight payment plans available with Alternative Airlines.
Can I buy interest free flights?
You can book flights with the online travel agency Alternative Airlines and choose Affirm at the checkout to pay over time interest free. With either Split Pay (pay in 4 months for airfares up to $350.00) or 0% over 3 or 6 months up to $500.00 for qualified customers on airlines such as Frontier Airlines, American Airlines and many more. Please note an initial down payment may be required. This is a great way to pay off the flight travel part of your vacation which we understand can be a stressful experience. Maybe you could use Affirm for your flights to the NBA Basketball games?
How many months can I split the cost of my Affirm flight reservation into?
Payment options depend on the amount of the purchase and on your eligibility. For larger purchases, you’ll have the option to make 3, 6, 12, or 18 monthly payments—and these options may have interest. For smaller purchases, you’ll be able to make 4 interest-free payments every two weeks. You have to make a payment for each month of the plan that you choose. If you want to just pay for your airline tickets in two payments but at the same time, you can use Split My Payment through the travel website Alternative Airlines.
As an example, you might pay $43.96/mo based on a purchase price of $500.00 at 10% APR for 12 months. A down payment may be required.
Are Affirm flights cheaper?
Paying for flights with an Affirm loan provides more flexibility for your vacations or trips, whether it's for a honeymoon, leisure or business. Select an 0% APR finance plan with Alternative Airlines and pay back over 6 months for flight ticket prices of up to $500.00. An initial down payment may be required. Flight purchases up to £350 can be paid in 4 installments over 6 weeks.
The Affirm payment plan allows you to pay off the cost of your airline ticket in bi-weekly or monthly installments, depending on the total price of the ticket(s). This means you don't have to pay for your flights in one lump sum but can spread the cost over time. You can read about the cheapest day to buy flights if you are looking to keep the costs of air travel low too.
Are there hidden fees for an Affirm loan?
There are no hidden fees when applying for a loan for travel or any other purchase. You are told what is included, as well as the APR and the amount of the monthly payments, before you finalise using an Affirm plan.
Is an Affirm loan for travel different to other types of Affirm loans?
Affirm travel is the unofficial name for when you choose to pay for flights or vacations using Affirm and it's not different to any other type of loan provided by Affirm. Flights can be often high-value purchase and having extra time to pay for them on a payment plan will provide more flexibility in payments. Affirm can be used for different types of vacations, such as to the Grand Prix races around the world or Mardi Gras festivals.
Can I apply for a travel loan?
Applying for travel loans to pay off a vacation or business trip are available through Alternative Airlines when selecting Affirm. We have partnered with Affirm to allow you to take out a loan to pay for flights over time, which is an easier, flexible method in seeing the world. When selecting Affirm at the checkout, you can apply for a loan in a separate window and begin paying your flight ticket purchase over time. A soft credit check is carried out and the process does not take long. There are a range of airlines you can travel on with an Affirm loan. Customers applying for an Affirm travel loan must be 18+, a U.S resident and hold a U.S number (does not apply to Iowa or Virginia states). Canadian customers can apply for a PayBright loan to pay for their air travel.
How long does it take to apply for an Affirm loan to travel?
If you are planning to use Affirm to pay off your next vacation, it doesn't take long to apply for a travel loan. Once you have selected the flights you want with Alternative Airlines, you can select Affirm at the point of transaction when you arrive at the checkout page. All you need to do is enter a few personal details and Affirm will determine whether you're eligible for a payment plan for flights in a matter of seconds. If you are thinking of buying flights for 4th July or need to pay flights to Burning Man over time, for example, you can purchase your flight tickets now, apply for an Affirm loan and pay off in monthly instalments in time for your departure.
What is the maximum amount I can get for my Affirm travel loan?
Affirm provides loans of up to a maximum value of $15,000 USD on all flight travel booked with Alternative Airlines. No matter which route or airline you're flying on, Affirm travel loans are available with all flights. Use the loan for your vacation to Mexico on airlines such as Volaris, Aeromexico, interjet and many more.
You have to be over 18, a U.S resident and hold a U.S cell number to apply for an Affirm loan. Note that residents in Iowa and West Virginia cannot apply for an Affirm loan for flights.
When am I first billed for my travel loan with Affirm?
Unless you're required to make an initial down payment, your first bill payment of your Affirm travel loan will start one calendar month after your loan has been processed. Affirm will send you reminders to make your payments via SMS messages. After that, payments are billed each month for the duration of the plan you have applied for. Monthly payments can be checked through the Affirm App too.
Can I repay my Affirm travel loan off early?
Early payments for your travel loan with Affirm can be made. If you pay off the entire value of your airline tickets before the end of the monthly plan, you'll only be charged interest on the amount of time that the travel loan was active. Information on accidental or overpayments for airline ticket with Affirm payments is also available.
Can I pay for my flight tickets back after I have traveled using Affirm?
Yes. Depending on when you travel, you can pay for part of or all of your Alternative Airlines' flight ticket reservation after you travel! Affirm gives you the option of different flight payment plans — smaller purchases of $50 - $350, you’ll be able to make 4 interest-free payments every two weeks. For larger value airline tickets of $350+ you’ll have the option to make 3, 6, 12, or 18 monthly payments—and these options may have interest. Your payment options depend on the amount of your purchase and on your eligibility.
Unless a down payment is required, your first payment is due one calendar month after the date your loan is processed. So, if you choose to pay over 6 months and your date of travel is only one month after you make your flight reservation, you will be paying for most of your flight reservation after you travel!
Which airlines offer payment plans for airline tickets?
The travel website Alternative Airlines allows you to purchase any airline ticket from over 650 airlines with an Affirm payment plan (Affirm travel loan), as long as you're a U.S resident. This can be either on Spirit, Alaska Airlines, Air Canada and loads more. All you have to do is search for flights using the search bar at the top of the page, select the flights you wish to buy and choose Affirm as a payment method. You can pay for you travel with Affirm, regardless of whether you're flying domestically or internationally from the U.S.
There are also other options offered to buy flights on finance. If you are unsure about using the online store Alternative Airlines, you can read all about it's legitimacy.
Can I pay for flights outside of the U.S and pay at a later date?
Yes, flights can be paid with Alternative Airlines to travel either inside and outside of the U.S and pay off at a later date by using an Affirm travel loan as a payment method. Affirm travel payment options are available with domestic flights within the U.S, international flights flying from the US and all other flights outside of the country. Example airline tickets that you can buy and pay at a later date with Affirm include Qantas Airways, Frontier Airlines and many more.
What is Affirm travel?
Affirm travel is a loan that can be applied through the U.S based financing company to credit travel-related needs such as flights. When booking flights with Alternative Airlines, you can apply for a loan for a combination of airline tickets, for example with Volaris, Caribbean Airlines, Southwest Airlines and many more. What's more, different destinations and cities can be found using the Alternative Airlines Multi-City flight option for your next vacation and pay with an Affirm travel loan.
How does Affirm travel work?
Affirm travel works as loan provision to credit your travel-related needs when booking with Alternative Airlines, up to the value of $15,000. For example, if you want to use Affirm to pay for your flight travel, you'd simply complete a search on the Alternative Airlines website, choose the flights that you'd like to pay over time and select Affirm as a payment method at the checkout page. If you are thinking of reserving Spring Break flights, flying to the next NFL Games or your next vacation, you can search with Alternative Airlines and choose to pay with Affirm in monthly instalments.
What websites accept Affirm?
Alternative Airlines is a travel website that accepts Affirm payment plans to pay for flights. A loan for airline tickets with over 650 airlines can be granted by Affirm when searching via www.alternativeairlines.com. This can help with paying for any vacation or business trips over time.
Can I pay for my vacation with Affirm?
Yes definitely! You are able to pay for flights for your vacation with Affirm and Alternative Airlines. This is also known as Affirm travel and through Alternative Airlines, you can pay off your flights over time. You can pay back the Affirm payments before, during and after travel. Fly to places like Salvador da Bahia or Mexico and pay the airline tickets back over time! Or perhaps seek real life Disney locations?
If you are considering taking a long vacation or travelling solo for a while, but would like to spread the cost of your air travel, you can pay with Affirm and pay back the payments over 3 - 18 months. It's an affordable way to pay off those long and expensive flights. Read our solo travel blog for inspiration on where you can use Affirm to travel to.
What online stores use Affirm?
Alternative Airlines is an online travel store and website that uses Affirm to pay for flights over time. You can set up a new Affirm account or pay for your flights using your existing Affirm loan in installments. By using the travel website, you can find flights from over 650 airlines, and apply for an Affirm travel loan at the checkout page to make the ticket purchase.
Is Affirm available in the UK?
Affirm is unavailable for customers in the UK. You need to have a U.S mobile number, a U.S address (not including Iowa and West Virginia) and pay in U.S Dollars to use Affirm in the UK. However, if you are looking for alternatives to Affirm, you can also use Klarna to either pay for flights later or pay with PayPal Credit to spread the cost of flights, with Alternative Airlines. See our top 10 reasons blogs to use Klarna for travel or buying flights with PayPal to find out more.
Can I use Affirm outside of the U.S?
Registered U.S residents with a U.S mobile can apply for an Affirm loan (except Iowa and West Virginia residents). International flights with Affirm can also be bought, as well as transatlantic flights. You can read on the cheapest countries in Africa blog if you want to use an Affirm loan on other countries around the world. If you are a Canadian resident, you can use PayBright to spread the cost of air travel with Alternative Airlines.
Can I use Affirm in Canada?
Affirm cannot be currently used in Canada but you can spread the cost of your flights with Sezzle or PayBright at the checkout. This can be used to pay for airline tickets including WestJet, Air Canada, Flair Airlines and many more. An Affirm loan can only be applied for with a U.S mobile and resident address (except West Virginia and Iowa states).
Is Affirm available to use in West Virginia?
Applying for an Affirm loan for flight travel or for anything else is only available if you live in the U.S in any state outside of Iowa and West Virginia. PayPal Credit is still available through Alternative Airlines to pay for flights in monthly instalments.
What else can I buy with Affirm?
If you are looking to fly internationally from the U.S for your vacation, you can also use the Affirm loan to pay for your Schengen visa, seat selection, add extra baggage or cancellation protection to your reservation through Alternative Airlines. Affirm is also available with many other merchants. Financing flights with Affirm is also beneficial if you have further airline taxes or baggage fees to pay.
How can I contact Affirm customer service?
Information for questions regarding an Affirm travel loan such as credit score approval or updating your mobile number on your Affirm account is available on the help section of Affirm website.
What are the terms and conditions of using promo codes with Affirm?
Promo code offer can only be applied to up to 5 passengers in one booking, with a maximum of $10 being discounted per person. For example: 1 passenger booking will save $10 off their purchase. More than 5 passengers can be booked in the same reservation, however the promo code can only be redeemed to up to 5 people. One voucher use per customer email address. Promo code offers can only be redeemed in USD only. Applicants must be over the age of 18. Promo code discounts are non-refundable, and are only valid up until the stated expiry date.