Affirm FAQs

Affirm is our finance partner and one of the world’s leading experts in pay over time flexible payment options. You can use them to buy your devices from us and split the cost into manageable monthly instalments. We’ve chosen Affirm for their human-first approach to lending. That includes checking your eligibility with a soft credit check, which won’t affect your credit score. Everything’s transparent – there are no hidden fees, no late payment fees and no surprises.

Affirm contacts credit reference agencies, but it won’t affect your credit rating or be seen by any other lender. Other factors, like your savings and annual income may also be considered. Even if you've passed their eligibility check and creditworthiness assessment, Affirm reserves the right to deny any application or refuse a loan.

Checking your eligibility won’t affect your credit rating. As with any lender, if you decide to pay with Affirm, there are things that may affect your credit score, like making a purchase, your payment history with Affirm, how much credit you've used and how long you’ve had credit.  

To check if you’re eligible, you’ll need: 

• To be 18 or older 
• To be a resident of the United Kingdom 
• A UK bank account that supports direct debit or a debit card 
• A UK phone number that can send and receive texts 
• To meet the minimum purchase amount of £75 

Affirm doesn’t charge any hidden fees. That means no late fees, no prepayment fees, no annual fees and no fees to open or close your account. 

Depending on the size and length of your contract, your payment plan may include interest. This is shown as APR when you first apply for your finance contract. You’ll never owe more interest than you agree to on day one – so you always know exactly what you’re getting into. 

If you have a query regarding your phone, games console, tablet or other device, give us a call on 202 free from an O2 mobile, or 0344 809 0202 (standard UK rate). Prefer to type? You can chat to our live chat assistant.

If you’d rather bundle your device together with a mobile plan, you can pay in instalments with O2 Refresh. This way, you’ll see your devices and your mobile plan on one monthly bill from us. 

You can reach out to Affirm directly from the Affirm app – or call 0800 014 8879.

We’ll act as a credit broker and introduce you to Affirm, who’ll act as a lender. We’ll also provide the device, as well as any support related to delivery, returns or faults. As a credit broker we’re authorised and regulated by the Financial Conduct Authority.

You’ll need an O2 account to buy from us, and so we can answer any questions about your device once you have it. If you’ve already got an O2 account, you can use that. You’ll also need an Affirm account to set up and manage a financing contract with Affirm.

When you check out, Affirm will give you an estimated first payment date. After we’ve shipped your devices, you’ll get an email from Affirm to confirm a date. You can manage your payments in the Affirm app or online – plus set up AutoPay so you never miss a payment.

Yes, if you’ve decided a device isn’t for you, you can return it to us within 14 days for a refund. If you’d like to exchange it for a different device, just return your purchase and place a new order. Find out more about returning your device. 

Yes, you can pay off as much as you like, without any hidden fees. Just log in to the Affirm app to manage your payments.  

Yes, you can either buy multiple devices on the same loan or take out multiple loans separately. Subject to eligibility.

You’ll get a confirmation email from Affirm with your payment schedule. You can then make or schedule payments at affirm.com or in the Affirm app. Affirm will send you email and text reminders before payments are due, or you can set up AutoPay.