Use Buy Now, Pay Later, also known as BNPL, with Affirm to pay invoices in FreshBooks through FreshBooks Payments powered by Stripe. Affirm allows you to split your invoice payment into smaller, pre-scheduled installments that you can pay over time.
Buy Now, Pay Later Details
Review the below details on how Buy Now, Pay Later works:
- Flexible - Choose the payment schedule that works for you
- No Hidden Fees - Affirm won’t charge late fees, hidden fees, or penalties
- Limits - Buy Now, Pay Later can be used on invoice payments no lower than $50 USD minimum, and up to $30,000 USD maximum
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Credit Checks - A soft inquiry is performed when you create an Affirm account or check your eligibility, this does not affect your credit
- When paying in installments with Afirm, your payment plan and repayment activity may be reported to credit bureaus
- Help - For additional details on Buy Now, Pay Later with Affirm, review Affirm’s Help Center or Contact Affirm directly
Buy Now, Pay Later Requirements
To use Buy Now, Pay Later, the following is required:
- For US residents 18 years or older
- A valid US or US territory address
- A valid US or US territory mobile phone number to receive SMS text messages
- A social security number
Pay an Invoice with Buy Now, Pay Later
When using Buy Now, Pay Later, keep the following in mind:
- Separate Applications - Each invoice you pay using Buy Now, Pay Later will have its own loan and application process with Affirm, regardless if you’re paying the same business or a different business
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Declined Applications - Affirm strives to offer all credit-worth applicants financing with Affirm but isn’t able to approve every customer every time
- If declined, Affirm will send you an email with details about its decision
- Deposits - If credit for the full amount isn’t available, a down payment may be required for the remainder of the purchase
To pay an invoice with Buy Now, Pay Later, use these steps:
- Open the invoice using the link that was emailed or shared with you
- If there are multiple tabs, ensure you're on the Buy Now, Pay Later tab
- Then select the Continue to Affirm button
- Enter your mobile number to create or log into your existing Affirm account, then select Continue
- If it’s your first time applying, enter your legal First and Last Name, and your Email Address
- Next, enter your Date of Birth and the last four digits of your Social Security Number
- Then select Create Account
- Next, enter your four-digit verification code that was texted to your mobile number
- If approved, review the available payment plans, and select the plan you’d like to pay with
- Next, review your final payment plan
- If needed, slide the toggle next to AutoPay to turn automatic repayments on or off
- Next, add your payment method
- Review the disclosures and agreements, then check the box off next to I have reviewed and agree
- Select the Confirm button to submit payment. Affirm will send you email and text reminders before payments are due. You can make payments to your Affirm account anytime or automatically.
Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by listed lending partners. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license.
Notes:
- Early Payments - There is no penalty for paying early
- Returns or Refunds - Reach out to the business directly to begin the return process
- Help - For additional details on Buy Now, Pay Later with Affirm, review Affirm’s Help Center or Contact Affirm directly