USP Motorsports offers financing for your parts through Affirm. Get a fixed, monthly payment from 10-30% APR (for well-qualified buyers). You can order online for instant qualification!
How do I sign up for Affirm and get credit?
Create an Affirm account at www.affirm.com/account in just a few easy steps or select Affirm as your payment method while checking out at USP Motorsports.
What is required to have an Affirm account?
To sign up for Affirm, you must:
- Be 18 years or older (19 years or older in Alabama or if you’re a ward of the state in Nebraska).
- Provide a valid U.S. or APO/FPO/DPO home address. Buy with Affirm is not currently available to Iowa or West Virginia residents.
- Provide a valid U.S. mobile or VoIP number and agree to receive SMS texts.
- Provide your full name, email address, date of birth, and the last 4 digits of your social security number to help us verify your identity.
Are there any interest or fees associated with Affirm loans?
Affirm loans vary between 10% and 30% APR simple interest. The corresponding finance charge is the only fee associated with an Affirm loan - they don’t charge late fees, service fees, prepayment fees, or any other hidden fees. They strive to be more transparent and fair than any other form of financing.
What are my payment options?
When you make a purchase of $250 or more with Affirm, you can pay over 6 or 12 months. For example, you could pay $43.96/mo. based on a purchase price of $500.00 at 10% APR for 12 months. Terms are subject to credit check and approval. A down payment may be required. For purchases under $250, limited payment options are available. The estimated payment amount excludes taxes and shipping fees. Affirm loans are made by Cross River Bank, a New Jersey State Chartered Commercial.
Do I have a credit limit with Affirm?
Unlike a credit card, Affirm is not a revolving line of credit. While customers can take out multiple Affirm loans at once, each Affirm loan application is evaluated separately as a closed-end transaction. An application from a returning customer may be denied, however, if that customer has failed to repay other Affirm loans on time or if the customer shows excessive borrowing behavior.
Does Affirm perform a credit check?
Yes, when you first create an Affirm account, they perform a 'soft'’' credit check to help verify your identity and determine your eligibility for financing. This '‘'soft' credit check will not affect your credit score. If you apply for more loans with Affirm, they may perform additional 'soft'’' credit checks to ensure that we offer you the best financing options possible.
Does Affirm report to credit bureaus?
Yes. Their goal is to give you the opportunity to build your credit history as you repay your Affirm loans. That’s why, for loans requested on or after August 3, 2016, Affirm reports information about your loan and payment activity to Experian (and plans to report to other credit bureaus in the future).
Because FICO and credit bureaus calculate your credit scores in ways that are not publicly known, Affirm can’t predict exactly how your credit score will be affected. There are many factors that could impact your credit, such as your payment history, the amount of available credit that you have used, the length of your credit history, and the number of accounts you have recently opened.
What is Cross River Bank and how is it related to Affirm?
Cross River Bank is a New Jersey State Chartered Commercial Bank, Member FDIC, and is the lender for all Affirm loans.
Is my personal information secure with Affirm?