Flexible Payment Options
Buy Now, Pay Over Time With Affirm
Get the adaptive equipment, mobility products, sensory solutions, and other special needs products you need today while spreading the cost over time with Affirm.
When available for your purchase, Affirm lets you choose from eligible payment options at checkout so you can select the plan that works best for your budget.
A More Flexible Way to Pay
Specialized equipment can be a significant purchase. Affirm gives eligible customers another way to manage the cost by breaking qualifying purchases into scheduled payments rather than paying the entire amount at once.
Flexible Payment Plans
Depending on your eligibility and purchase amount, Affirm may provide multiple payment options so you can choose the schedule that best fits your needs.
Know What You Will Pay
Affirm shows the payment amount, payment schedule, and applicable interest before you accept a plan, helping you understand the cost before completing your purchase.
No Late Fees
Affirm does not charge late fees or hidden fees. Some payment plans may include interest depending on the offer and your eligibility.
How Affirm Works
Using Affirm at eSpecial Needs is designed to be straightforward. Available payment plans and eligibility are determined by Affirm.
Shop eSpecial Needs
Add the products you need to your cart and proceed through the normal checkout process.
Select Affirm at Checkout
Choose Affirm as your payment method when it is available for your purchase and provide the requested information.
Choose Your Payment Plan
If eligible, review the available options and select the payment schedule that works best for you before completing your purchase.
See Your Options Before You Commit
Affirm provides your available payment options before you agree to a financing plan. Rates and payment terms depend on eligibility and purchase amount, and a down payment may be required.
What to Expect With Affirm
Rates From 0% to 36% APR
Your actual rate is based on eligibility. Some purchases may qualify for a 0% APR option, while other payment plans may include interest.
Options Vary by Purchase
Available plans can depend on the purchase amount, products being purchased, and your eligibility. Not every option is available for every order.
A Down Payment May Be Required
Depending on the purchase and payment plan, Affirm may require an initial down payment at the time of purchase.
Frequently Asked Questions
What is Affirm?
Affirm is a third party payment provider that allows eligible customers to pay for qualifying purchases over time. Payment options are provided by Affirm and its lending partners.
How do I use Affirm at eSpecial Needs?
Shop normally and proceed to checkout. If Affirm is available for your order, select it as your payment method and follow the prompts to view your eligibility and available payment options.
What interest rate will I receive?
Affirm currently offers rates from 0% to 36% APR. The rate and payment options available to you depend on eligibility and the details of your purchase.
Does checking eligibility affect my credit score?
According to Affirm, creating an Affirm account or checking eligibility, including checking prequalification eligibility, uses a soft inquiry and does not affect your credit score. If you choose an Affirm payment plan, the plan and repayment activity may be reported to credit bureaus.
Can I pay my Affirm balance early?
Yes. Affirm states that customers can pay purchases off early without a prepayment penalty.
Does Affirm charge late fees?
Affirm states that it does not charge late fees or hidden fees.
How do I make my Affirm payments?
Payments can be managed through Affirm's website or the Affirm app. Affirm may also provide reminders before scheduled payments are due.
What happens if I return an item purchased with Affirm?
Start the return through eSpecial Needs in accordance with our applicable return policy. Once an eligible refund is processed, Affirm will update your payment plan according to its policies and processing procedures.
Who do I contact about my Affirm account or payment plan?
Questions about approval decisions, financing terms, payment schedules, or an existing Affirm account should be directed to Affirm. For questions about your eSpecial Needs order or products, contact our customer service team.
Ready to Find the Equipment You Need?
Browse eSpecial Needs and look for Affirm as an available payment option when you reach checkout.
Affirm Financing Disclosure
Payment options through Affirm are subject to an eligibility check and are provided by Affirm's lending partners. Rates currently range from 0% to 36% APR based on eligibility. Affirm Pay in 4, when available, is 0% APR.
Options depend on your purchase amount and may vary. A down payment may be required. Affirm availability and eligibility may vary and restrictions may apply.
For current financing terms, lending partners, licenses, state disclosures, and other important information, visit Affirm.
Affirm financing is provided by Affirm and its lending partners. eSpecial Needs does not determine financing eligibility, approval, interest rates, payment schedules, or lending terms.