J-Top UTV Outfitters and Affirm joined together for you!

Affirm is a financing alternative to credit cards. Affirm offers financing for online purchases to be paid in fixed monthly installments.

Choose 3, 6, or 12 months!
Affirm designed its loans to offer you flexibility and control over your financial plan. Affirm offers rates from as low as 0-30% APR based on your credit. Actual rate will be shown at checkout. 


What is required?

  1. Be 18 years or older (19 years or older in Alabama or if you’re a ward of the state in Nebraska).
  2. Provide a valid U.S. or APO/FPO/DPO home address. Buy with Affirm is not currently available to West Virginia residents.
  3. Provide a valid U.S. mobile or VoIP number and agree to receive SMS texts. The phone account must be registered in your name.
  4. 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.

Do I have a credit limit?
Affirm is not a revolving line of credit. Each Affirm loan application is evaluated separately as a closed-end transaction.

How do I pay my bill?
You can pay your Affirm bills online at www.affirm.com/pay. They accept payment by debit card, bank transfer and check. 

Does Affirm pull a credit report?
Yes, when you first create an Affirm account, Affirm 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.

Why did Affirm ask for my debit card number?
Affirms tries hard to approve every purchase. When Affirm can’t offer the full loan amount, Affirm provides a debit card down payment option so that you may still complete your purchase right away.