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Pay Over Time On Your Terms with Toolbarn Financing By Affirm

Toolbarn has partnered with Affirm to offer flexible financing to our customers. Thousands of products are eligible for financing with no hidden fees. All financing plans are broken out into fixed monthly payments and they show you exactly how much interest you will pay upfront. Affirm financing is integrated into the site and is available as a payment method at checkout if the products are eligible.

How to tell if products are eligible for financing

Eligible products will show a starting Affirm monthly price just above the "Add to Cart" button on the product page. You can click on Affirm monthly price block for more details about how Affirm works and payment breakdowns. Orders for in stock products over $199 are eligible for Affirm financing.

Checkout With Affirm

To finance your purchase with Affirm select the "Affirm Buy With Monthly Payments" option at the payment method (step 5) step of checkout. Proceed to the next step (step 6 - order review) and click "Place Order". You will then be directed to the secure Affirm application page. Simply enter your basic information and Affirm will provide a loan decision in seconds. Then select your payments terms and confirm your loan.

Afterwards you will be redirected back to the toolbarn site to receive your order confirmation. A follow up order confirmation will be sent from Affirm & Toolbarn.

Frequently Asked Questions

Who do I contact if I have questions about Affirm financing

Any questions related to affirm financing should be sent to Help@Affirm.com. Their knowledgeable staff can help answer any questions before or after placing an order.

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).
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 texts. 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.
Please note: Affirm is not currently available to West Virginia residents.

Are there any interest or fees associated with Affirm loans?

Affirm loans vary between 10% and 30% APR simple interest (0% APR is offered at select merchants). The corresponding finance charge is the only fee associated with an Affirm loan - we don’t charge late fees, service fees, prepayment fees, or any other hidden fees. We strive always to be more transparent and fair than any other form of financing.

What are my payment options?

When you make a purchase of $100 or more with Affirm, you can pay over 3, 6, or 12 months. For purchases between $50.00–$99.99, you can pay over 3 or 6 months. Select merchants may offer different terms, including a 30-day payment option for purchases under $50. See our cost calculator to learn more.

Do I have a credit limit with Affirm?

Unlike a credit card, Affirm is not a revolving line of credit. While customers can take out multiple Affirm loans at once, each Affirm loan application is evaluated separately as a closed-end transaction. An application from a returning customer may be denied, however, if that customer has failed to repay other Affirm loans on time or if the customer shows excessive borrowing behavior.

Does Affirm perform a credit check?

Yes, when you first create an Affirm account, we perform a ‘soft’ credit check to help verify your identity and determine your eligibility for financing. This ‘soft’ credit check will not affect your credit score.

If you apply for more loans with Affirm, we may perform additional ‘soft’ credit checks to ensure that we offer you the best financing options possible.

Is my personal information secure with Affirm

Yes, protecting your personal information is very important to us. We encrypt sensitive data including Social Security numbers. We also maintain physical, electronic, and procedural safeguards to protect your information. We do not sell or rent your information to anyone.

Are all U.S. Residents eligible for Affirm Loans?

Currently Affirm loans are not available to residents of Iowa due to state regulations and legislation. Residents of all other U.S. states are eligible at this time.