Finance Your Dream Car Parts with Affirm

Vivid Racing is excited to offer a seamless way to finance your performance car parts through Affirm. Now, getting the parts you need for your vehicle is easier than ever with flexible monthly payment options. Affirm provides financing with transparent, fixed monthly payments and APR rates ranging from 10-30%. You can get an instant decision whether you order online or by phone! For phone orders and personalized assistance, simply fill out the form below, and one of our Performance Specialists will reach out to guide you through the quick and easy Affirm application process.

Discover the Power of Affirm Financing for Your Car Parts

Investing in your vehicle’s performance and aesthetics shouldn’t break the bank. Affirm offers a smart and straightforward financing solution, allowing you to acquire the car parts you’ve been wanting and pay over time in manageable installments. Say goodbye to holding back on essential upgrades or repairs due to immediate budget constraints. With Affirm car parts financing at Vivid Racing, you can take control of your vehicle’s needs without compromising your financial stability.

Why Choose Affirm for Car Part Financing?

  • Budget-Friendly Monthly Payments: Affirm breaks down the total cost of your car parts into easy-to-manage monthly payments. This allows you to budget effectively and avoid large upfront costs.
  • Transparent and Fair Terms: Know exactly what you’ll owe with Affirm’s clear terms and no hidden fees. The only finance charge is the simple interest, ranging from 10% to 30% APR, and some merchants even offer 0% APR options. You’ll never encounter late fees, service fees, prepayment penalties, or any other unexpected charges.
  • Quick and Easy Application Process: Applying for Affirm financing is fast and user-friendly. Get an instant decision online or with the assistance of a Vivid Racing Performance Specialist over the phone.
  • Finance a Wide Range of Car Parts: From performance upgrades to essential replacements, Affirm financing can be used for a wide array of car parts available at Vivid Racing, helping you maintain and enhance your vehicle.
  • Improve Your Credit History: Affirm reports your loan and payment activity to Experian, giving you an opportunity to build a positive credit history as you responsibly repay your loan.

Getting Started with Affirm Car Parts Financing

Financing your car parts with Affirm and Vivid Racing is a breeze. Here’s how you can get started:

1. Online Application During Checkout:

  • Browse the extensive catalog of performance car parts at Vivid Racing and add your desired items to your cart.
  • Proceed to checkout and select “Affirm” as your payment method.
  • You will be guided through the Affirm application process directly on the Vivid Racing website, receiving a decision in real-time.

2. Phone Application with a Performance Specialist:

  • If you prefer personalized assistance or are ordering by phone, simply fill out the contact form on our website.
  • A Vivid Racing Performance Specialist will contact you to discuss your needs and guide you through the Affirm application process over the phone. They can answer any questions you have and ensure a smooth experience.

Affirm Account Requirements: What You Need

To utilize Affirm financing for your car parts, you’ll need to meet a few basic requirements:

  • Age Requirement: You must be at least 18 years old (19 in Alabama, or if a ward of the state in Nebraska).
  • Residency: You need to provide a valid U.S. or APO/FPO/DPO home address. Please note that Affirm financing is currently unavailable to residents of Iowa or West Virginia.
  • Contact Information: A valid U.S. mobile or VoIP number is required, and you must agree to receive SMS text messages.
  • Personal Information: You will need to provide your full name, email address, date of birth, and the last 4 digits of your Social Security number for identity verification.

Understanding Affirm Loan Terms and Credit Impact

Interest Rates and Payment Options:

Affirm loans come with simple interest rates between 10% and 30% APR, with the potential for 0% APR offers at select times. The payment terms vary based on your purchase amount:

  • Purchases of $100 or more: Choose from 3, 6, or 12-month payment plans.
  • Purchases between $50.00–$99.99: Payment options are 3 or 6 months.
  • Purchases under $50: Some merchants may offer a 30-day payment option.

Use Affirm’s cost calculator to estimate your monthly payments and total interest based on different loan terms.

Credit Checks and Reporting:

  • Soft Credit Check: Affirm performs a soft credit check when you create an account to verify your identity and assess your eligibility. This soft inquiry does not affect your credit score.
  • Potential for Additional Soft Checks: For subsequent loan applications, Affirm may conduct further soft credit checks to ensure they are providing you with the best possible financing options.
  • Reporting to Credit Bureaus: Affirm reports loan and payment information to Experian, helping you build credit through responsible repayment. While Affirm reporting can contribute to your credit history, the exact impact on your credit score depends on various factors evaluated by credit bureaus like FICO.

Security and Trust: Your Information is Safe with Affirm

Affirm prioritizes the security of your personal information with robust measures:

  • Data Encryption: Sensitive data, including Social Security numbers, is encrypted to protect your privacy.
  • Safeguards: Affirm maintains physical, electronic, and procedural safeguards to secure your information against unauthorized access.
  • Privacy Policy: Affirm does not sell or rent your personal information. For complete details, review their comprehensive Privacy Policy.
  • Trusted Lender: All Affirm loans are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, ensuring a secure and regulated lending process.

Ready to Upgrade Your Ride? Finance Car Parts with Affirm Today!

Don’t let budget limitations hold you back from getting the car parts you need and desire. Affirm financing at Vivid Racing provides a transparent, flexible, and user-friendly solution to make your automotive dreams a reality. Contact us today to speak with a Performance Specialist or start shopping online and select Affirm at checkout to experience the ease of car parts financing.

For more detailed information, visit the Affirm FAQ Section

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