Affirm allows eligible buyers to purchase now and pay over time through financing options available at checkout. If Affirm is available for your purchase, it will appear as a payment option during checkout.

Affirm is an independent third-party financing provider. Ya'Mar is not a lender, bank, credit provider, financing company, or financial institution.

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How Affirm Works

When eligible, buyers may select Affirm during checkout and choose from available payment plans offered by Affirm. Depending on the purchase amount, financing program, and approval criteria, buyers may be offered Pay in 4 installment payments, monthly payment plans, or longer-term financing options with fixed monthly payments.

Before completing a purchase, Affirm typically displays the payment schedule, repayment term, interest rate (if applicable), total amount financed, and the total cost of financing. Buyers should carefully review all financing disclosures before accepting an offer.

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When Can I Use Affirm?

If Affirm is available for your order, it will appear as a payment option during checkout. Availability may depend on factors including the purchase amount, product category, delivery location, seller location, financing eligibility requirements, identity verification requirements, fraud prevention reviews, transaction risk assessments, and regional availability.

Affirm may not be available for all purchases, users, categories, locations, products, or transaction types. Availability and eligibility are determined solely by Affirm and may change without notice.

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Who Approves Affirm Financing?

All financing approvals, eligibility reviews, repayment schedules, financing terms, interest rates, fees, and lending decisions are determined solely by Affirm.

Ya'Mar cannot approve or deny Affirm applications, modify financing terms, change repayment schedules, override financing decisions, or guarantee financing approval.

For additional information regarding Affirm financing and lending terms, visit:

Affirm Terms & Financing Information: https://www.affirm.com/terms

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Credit Checks and Eligibility

Affirm may perform identity verification, eligibility reviews, risk assessments, soft credit inquiries, hard credit inquiries, or other verification procedures depending on the financing option selected.

Approval is not guaranteed and may depend on factors determined solely by Affirm. Ya'Mar does not receive or review Affirm's lending decisions.

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Interest Rates and Financing Costs

Some Affirm financing offers may be available with 0% APR for qualified buyers and eligible purchases. Other financing options may include interest charges.

APR, financing costs, repayment schedules, payment amounts, financing terms, and eligibility requirements are determined solely by Affirm and may vary based on factors including creditworthiness, purchase amount, repayment term, financing program, and applicable law.

Interest rates may range from 0% APR up to the maximum rate offered by Affirm and permitted under applicable law. Buyers should review all financing disclosures presented by Affirm before accepting a financing offer.

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Returns and Refunds

If a purchase qualifies for a refund under Ya'Mar's policies, approved refunds are generally returned through the original payment method used during checkout.

If Affirm was used, refund processing and financing adjustments are handled by Affirm and may require additional processing time. Approval of a refund by Ya'Mar does not automatically modify your financing agreement until Affirm completes its refund processing.

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Missed Payments

Buyers remain solely responsible for all payment obligations owed to Affirm under their financing agreement.

Questions regarding repayment schedules, monthly payments, missed payments, financing balances, interest charges, account restrictions, financing eligibility, or other lending-related matters should be directed to Affirm.

Affirm Customer Support: https://helpcenter.affirm.com/s/contact-us

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Important Notice

Ya'Mar is not a bank, lender, financing company, or financial institution. Ya'Mar does not issue loans, extend credit, determine financing eligibility, establish repayment schedules, perform credit reviews, assess financing charges, or make lending decisions.

All Affirm financing products, approvals, repayment obligations, interest charges, fees, lending decisions, financing terms, and credit-related determinations are governed solely by Affirm and its applicable agreements.