Zero-percent financing


Zero-percent financing is a powerful marketing tool for your site. Instead of offering a loan at the standard 10%-30% APR, you can offer qualified customers a 0% APR loan with no hidden fees or charges. You can offer zero-percent financing for a limited time or indefinitely.

Request a zero-percent financing program

New merchants can sign up to use zero-percent financing immediately. For an existing merchant who wants to start a zero-percent financing program, we'll need to draft an amendment to your original contract to include the 0% APR merchant discount rate. Both Affirm and the original merchant agreement signee need to sign this amendment.

Contact the Affirm Client Success team to request your zero-percent program. You'll need to provide the following information:

  • A start and end date for the program (if you're offering the program indefinitely, only provide a start date)
  • Loan terms to offer at 0% APR if you don't want to offer the standard 3, 6, and 12 months (e.g., offer 6 months at 0% APR only)
  • A fallback plan for unqualified customers, such as offering another financing program (e.g., standard 10-30% APR over 3/6/12 months) or declining them so that they'll need to use a non-Affirm payment method

It takes about 5 business days to set up the program on our side. While you're waiting, you can prepare to update your Affirm promotional messaging and marketing disclosures (see below). Note that Affirm must approve your marketing and compliance messaging before going live.

Update Affirm promotional messaging

If you haven't already done so, upgrade your Affirm promotional messaging to use data-page-type. The data-page-type attribute allows you to customize messaging without development work. Once you've added it to your promotional messaging and after Affirm approves your program request, your Client Success Manager will enable the zero-percent program via data-page-type.

For example, "Pay over 3, 6, 12 months with rates from 10-30% APR" will read, "Pay over 3, 6, 12 months with rates from 0-30% APR." Click here for more information on upgrading your Affirm promotional messaging.

Update marketing disclosures

Offering zero-percent financing may require you to update or add disclosure information. This primer, which includes examples, describes when that disclosure is needed, where it should go, and what it should say.

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