Dreaming of upgrading your car with performance parts but concerned about the upfront cost? Vivid Racing makes it easier than ever to get the parts you need with flexible financing options through Affirm. Now you can Buy Car Parts With Affirm and pay over time, making those essential upgrades and repairs more manageable on your budget. Get an instant decision and fixed monthly payments with APR rates from 10-30%. Whether you’re ordering online or prefer to call, Affirm financing is available to get you back on the road faster.
Why Choose Affirm to Buy Car Parts?
Affirm offers a transparent and straightforward way to finance your car part purchases. Unlike traditional credit cards, Affirm provides clear terms with no hidden fees, allowing you to buy car parts with confidence and control over your budget.
Simple Sign-Up Process
Getting started with Affirm is quick and easy. You can sign up directly through the Affirm website or right at checkout when you buy car parts online from Vivid Racing.
What You Need to Get Started
To create an Affirm account and buy car parts with affirm, you will need to meet a few basic requirements:
- Be at least 18 years old (19 in Alabama, or legal age in Nebraska if a ward of the state).
- Have a valid U.S. home address (unfortunately, Affirm isn’t available in Iowa or West Virginia currently).
- Provide a U.S. mobile or VoIP number that can receive SMS texts.
- Supply your full name, email, birthdate, and the last four digits of your Social Security number for identity verification.
Transparent Costs and No Hidden Fees
When you buy car parts with Affirm, you’ll know exactly what you’re paying. Affirm loans have simple interest rates between 10% and 30% APR (and sometimes 0% APR at select retailers). The only cost is the finance charge associated with the loan – no late fees, service fees, prepayment penalties, or other unexpected charges.
Flexible Payment Options
Affirm provides flexible payment schedules to suit your needs when you buy car parts. For purchases of $100 or more, you can choose to pay over 3, 6, or 12 months. For smaller purchases between $50 and $99.99, payment plans are available for 3 or 6 months. Some retailers may also offer a 30-day payment option for purchases under $50. You can use Affirm’s cost calculator to estimate your payments.
Manageable Credit and Loan Terms
It’s important to understand that Affirm is not a revolving credit line like a credit card. Each time you buy car parts with Affirm, it’s considered a separate, closed-end loan. While you can have multiple Affirm loans at once, each application is evaluated individually. Approval for a new loan depends on your repayment history and overall borrowing behavior.
Credit Checks and Reporting
Affirm does perform a credit check, but it’s a ‘soft’ check when you first create your account, which doesn’t affect your credit score. This helps verify your identity and determine your eligibility. For subsequent loan applications when you buy car parts with affirm, additional soft credit checks may be performed to ensure the best financing terms are offered to you.
Affirm also reports your loan and payment activity to Experian, giving you an opportunity to build your credit history with responsible repayment. While the exact impact on your credit score can vary based on factors like payment history and credit utilization, Affirm aims to help you improve your credit profile over time.
Cross River Bank and Affirm
All Affirm loans are issued by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC. This partnership ensures a secure and reliable financing process for your car part purchases.
Secure and Private
Affirm prioritizes the security of your personal information. They use encryption for sensitive data, including Social Security numbers, and maintain robust safeguards to protect your information. Affirm does not sell or rent your personal data. For more details, review their Privacy Policy.
For further information about Affirm, you can visit their comprehensive FAQ Section.
Upgrade your ride today and buy car parts with Affirm at Vivid Racing!
