Affirm

Affirm Financing with LUMALUME

We’ve partnered with Affirm to make your LUMALUME purchases smooth, flexible, and stress-free. Choose the Affirm plan that fits your budget and shop with ease.

What is Affirm?

Affirm is an alternative payment option to credit cards or online banking that lets you purchase almost all LUMALUME pieces with simple, flexible financing.

The application takes only a few moments — you’ll fill in a few personal details at checkout or through a secure link. Once submitted, you’ll instantly receive a decision on your eligibility for financing over 3, 6, 8, 12, 18, or 24 months.

Your credit won’t be affected when you create an Affirm account or check your eligibility (including checking your pre-qualification eligibility). When you apply for or check to see if you prequalify for Affirm financing, it’s considered a soft inquiry, which does not affect your credit. If you decide to pay with installments through Affirm, your payment plan and repayment activity may be reported to credit bureaus. You can find more information on Affirm’s Help Center.

Example Financing Breakdown

For a $2,000 purchase, financed over 12 months at 10% APR:

• $175.82 / month × 12 months
• Total paid: $2,109.84
• Interest: $109.84

How Affirm Works

The following items are not eligible for exchange or refund:

1. Add to Cart – Select your LUMALUME pieces, proceed to checkout, and choose “Pay with Affirm.”
2. Launch Affirm – Click the button to open a secure Affirm popup.
3. Apply & Confirm – Enter the required details, review your plan, and complete your purchase.

FAQs

1. Does using Affirm affect my credit?

No, your credit won’t be affected when you create an Affirm account or check your eligibility (including checking your pre-qualification eligibility). When you apply for or check to see if you prequalify for Affirm financing, it’s considered a soft inquiry, which does not affect your credit. If you decide to pay with installments through Affirm, your payment plan and repayment activity may be reported to credit bureaus. You can find more information on Affirm’s Help Center.

2. Are there any fees with Affirm?

No hidden fees. You’ll never pay late fees, prepayment fees, or service fees with Affirm. The only cost outside of your purchase is the interest (if your payment plan includes interest).

3. What payment plans are available?

Affirm typically offers 3, 6, 12, 18 and 24-month plans, and sometimes longer depending on the retailer. Promotions are available at 0-36% APR.

4. How do I make my payments?

You can pay Affirm via debit card, bank transfer, or check through the Affirm app or website. Payments are scheduled automatically each month, and you’ll receive reminders before each due date.

5. What happens if I pay off my Affirm loan early?

You can pay off your Affirm loan early at any time without any penalties. You’ll only pay the interest that has accrued up to that point.

Disclosure

Rates from 0–36% APR. For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. For licenses and disclosures, see affirm.com/licenses

APR calculator: affirm.com/business/apr-calculator