Affirm is our new financing partner for purchases made through Upgraded. When you choose to finance your order with Affirm, they’ll handle the approval process, set up your payment plan, and manage all servicing of your account. You’ll make payments directly through Affirm, and they’ll send you reminders and account updates via email and/or text message.
Affirm offers flexible payment options with no hidden fees, what you see at checkout is exactly what you’ll pay. There are no late fees, no prepayment penalties, and no surprises. However, a credit check is required to determine your eligibility, and late or missed payments could impact your credit score.
Checking your eligibility with Affirm will not affect your credit score. When you check to see if you prequalify, Affirm uses a soft inquiry, not visible to other lenders and with no impact on your credit. A hard inquiry may only occur if you move forward with a payment plan, and even then, it depends on the specific terms of the loan. For full details, visit affirm.com.
Still have a plan with Citizens Pay? If you financed a purchase with Citizens Pay before we transitioned to Affirm, your loan and monthly statements are still managed through Citizens. You can continue to access your Citizens Pay account and make payments at pay.citizensbank.com.