How does monthly device financing with Affirm work?

• Affirm installment lengths
• How to apply for Affirm financing
• Partial payments
• The benefits of Affirm financing
• Shortlist of Affirm financing requirements
• How Affirm financing works

Pay for an amazing new iPhone, and affordable Red Pocket Mobile service plans, over time with Affirm financing. 

Affirm is a financing alternative to credit cards and other credit-payment products. Affirm offers instant financing for online purchases to be paid in fixed monthly installments over 3, 6, or 12 months.

How to use Affirm:

Select your iPhone and Red Pocket Mobile plan. Complete the online application to see if you qualify for Affirm financing (this will not hurt your credit score). If approved, complete your purchase and wait for your device and SIM card to arrive in the mail. Once you receive the device and SIM, complete activation by going to redpocket.com/activate.

You'll receive monthly email and SMS reminders about your upcoming payments. You can also set up autopay to avoid missing a payment. Your first monthly payment is due 30 days from the date that we (Red Pocket Mobile) processes your order.

Visit www.affirm.com/account, and enter your phone number to sign in and make a payment or download our free, easy-to-use mobile application.

Can I use Affirm for partial payments?

At this time, you can use Affirm financing to purchase your iPhone and Red Pocket Mobile service plan together, over a 24 month installment. If you decide not to use financing you will need to pay for the phone and service plan in full during checkout.

Why buy with Affirm?

Buy and receive your purchase right away, and pay for it over several months. This payment option allows you to split the price of your purchase into fixed payment amounts that fit your monthly budget.

If Affirm approves your loan, you'll see your loan terms before you make your purchase. See exactly how much you owe each month, the number of payments you must make, and the total amount of interest you’ll pay over the course of the loan. There are no hidden fees.

The application process is secure and real-time. Affirm asks you for a few pieces of information. After you provide this information, Affirm notifies you of the loan amount that you’re approved for, the interest rate, and the number of months that you have to pay off your loan -- all within seconds.

You don’t need a credit card to make a purchase. Affirm lends to the merchant directly on your behalf.

You may be eligible for Affirm financing even if you don’t have an extensive credit history. Affirm bases its loan decision not only on your credit score, but also on several other data points about you. 

Affirm reminds you by email and SMS text message before your upcoming payment is due. Enable Autopay to schedule automatic monthly payments on your loan. 

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).
• Not be a resident of Iowa (IA) or West Virginia (WV).
• Provide a valid U.S. or APO/FPO/DPO home address.
• Provide a valid U.S. mobile or VoIP number and agree to receive SMS text messages. The phone account must be registered in your name.
• 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.

How does Affirm work?

Here are the Affirm loan-application process steps:

• At checkout, choose Pay with Affirm.
• Affirm prompts you to enter a few pieces of information: Name, email, mobile phone number, date of birth, and the last four digits of your social security number. This information must be consistent and your own. 
• To ensure that you’re the person making the purchase, Affirm sends a text message to your cell phone with a unique authorization code.
• Enter the authorization code into the application form. Within a few seconds, Affirm notifies you of the loan amount you’re approved for, the interest rate, and the number of months you have to pay off your loan. You have the option to pay off your loan over three, six, or twelve months. Affirm states the amount of your fixed, monthly payments and the total amount of interest you’ll pay over the course of the loan.
• To accept Affirm’s financing offer, click Confirm Loan and you’re done.   
• After your purchase, you’ll receive monthly email and SMS reminders about your upcoming payments. You can also set up autopay to avoid missing a payment.  Your first monthly payment is due 30 days from the date that we (the merchant) processes your order.

Tell me more about Affirm financing

Do you have additional questions about affirm financing, visit their FAQ website at https://www.affirm.com/help. If you have questions about your Red Pocket Mobile purchase, contact us by live chat at redpocket.com or give us a call at 1-712-775-8777. We're here to help!