Why Choose Affirm for Your Purchase?
With Affirm, you can buy now and pay later with flexible financing options starting at 0% APR. Spread out your payments into fixed, budget-friendly monthly installments to make purchasing a Royal Massage Chair even easier.
For purchases under $2,000, you may qualify for 0% APR financing for up to 12 months, while purchases over $2,000 may be eligible for up to 24 months. For example, a $499 purchase could cost just $41.58 per month for 12 months, and a $2,460 purchase could be as low as $102.50 per month for 24 months—both at 0% APR. All financing is subject to approval.
Once Affirm approves your loan, you’ll see the terms upfront before completing your purchase. There are no hidden fees, and you’ll always know exactly what your monthly payment will be.
The application process is quick and secure. Simply enter a few basic details, and within seconds, Affirm will notify you of your approved loan amount, interest rate, and repayment period. No credit card is required—Affirm finances your purchase directly.
Even if you don’t have an extensive credit history, you may still qualify. Affirm considers multiple factors beyond just your credit score.
To make payments even easier, Affirm sends reminders via email and SMS before each payment is due, and you can enable Autopay to stay on track effortlessly.
How to Apply for Affirm Financing
1. At checkout, select “Pay with Affirm.”
2. Provide basic details: name, email, mobile number, date of birth, and the last four digits of your Social Security number.
3. Affirm will send a text with a unique verification code for identity confirmation.
4. Enter the code, and within seconds, you’ll receive loan details, including the approved amount, interest rate, and repayment period.
5. Choose your preferred payment plan—options may include 3, 6, 12, or 24 months.
6. Confirm your loan, complete your purchase, and enjoy your new massage chair!
7. Affirm will send monthly reminders, and you can set up Autopay for hassle-free payments. Your first payment is due 30 days after your order is processed.
Affirm Loan Approval Process
Affirm requires a few personal details—name, email, phone number, date of birth, and Social Security number (last four digits). This information helps verify your identity and determine loan eligibility.
Affirm considers more than just your credit score, making financing accessible even if your credit history is limited.
Your 0% APR rate is subject to credit approval. Affirm financing is provided by its lending partners, which you can learn more about at affirm.com/lenders. Loan terms vary based on purchase amount, and a down payment may be required.
Frequently Asked Questions
1. Does Affirm check my credit, and will it impact my credit score?
Affirm performs a soft credit check, which does not affect your credit score. No hard inquiries are made.
2. Why was my Affirm application denied?
Royal Massage Chairs does not receive details about your loan approval or denial. If your application is declined, Affirm will send you an email explaining their decision.
3. Why was I asked to verify my identity?
Affirm may require additional verification, such as address confirmation, Social Security number validation, or a photo ID, to ensure accuracy and prevent fraud.
4. Why does Affirm ask for my income?
In some cases, Affirm may request income details to better assess your ability to repay the loan.
5. Why was I asked to link my checking account?
Affirm may require access to your bank account for verification purposes. If you choose not to link your account, you may not be eligible for financing.
6. Why is my bank not listed?
Affirm is continuously expanding its list of supported banks. If yours isn’t listed, another payment method will be needed.
7. Why was I asked for a down payment?
Affirm may not finance the full purchase amount in certain cases. If a down payment is required, it must be made at the time of confirming your loan.
8. Will I know my total interest before confirming the loan?
Yes! Affirm provides full transparency—you will see your total interest upfront before agreeing to the loan. Plus, if you pay off your loan early, you’ll receive a refund for any unaccrued interest.
9. Does Affirm work for international customers?
Currently, Affirm is available only to U.S. residents, but expansion may occur in the future.
What You Need to Apply for Affirm Financing
✔ Be a U.S. resident (including U.S. territories)
✔ Be at least 18 years old (19 in Nebraska)
✔ Have a valid Social Security number
✔ Have a U.S.-registered phone number capable of receiving SMS
Affirm makes financing your massage chair easy, transparent, and flexible. Buy now, pay later, and experience the luxury of relaxation today!