Financing on Audiogon

Offered by Affirm.

How does work?

Audiogon has partnered with Affirm to give buyers a simple way to get the gear they want with no hidden fees. Upgrading your system has never been easier. If a listing offers Affirm, you'll simply select it as your payment method when finalizing your purchase.

Easy and Flexible Monthly Payments

Split your purchase into easy monthly payments with no hidden fees. Affirm won't charge you late fees or penalties of any kind, ever.

Secure and Instantaneous Application

Apply in seconds to see your loan amount, interest rate, and length. Interest rates range from 0% to 36% APR and loan lengths range from 3,6, or 12 months. Checking your eligibility won’t affect your credit score.

Affirm for Buyers

How do I find items I can buy with financing?
0-36% APR Financing Available

Use the "0-36% APR" Filter

When browsing or searching, simply use the the "0-36% APR" checkbox in the sidebar to filter only the listings that accept Affirm. Please note: Not all offers and discounts are available with all sellers and listings. See seller and listing pages for details.

Look for the Affirm badge

When you're on a listing, look for the Affirm badge in the accepted payment methods or below the listing price. next to the price the other payment methods accepted by the seller. You might not see Affirm available on all of their listings though, as financing is only available on items with a purchase price over $250-$20,000.

Affirm badge

Who is eligible to apply for Affirm financing?

Affirm is available to United States residents 18 years or older. Shipping and billing addresses must be located within the US.

Affirm for Sellers

How do I offer Affirm financing on my listings?

Any user set up for Express Checkout can offer 15% APR or 0% APR Financing.
To check if you are eligible, or to sign up, visit your Express Checkout settings in your user settings. When listing an item, you'll just check Affirm as a payment method just like you would PayPal, Escrow, etc. For more questions or information on fees, visit our
How Can I Offer Financing To Buyers? support article.


Can I pay off my purchase early?

Yes! There’s no penalty for paying early.

How do I make my payments?

You can make or schedule payments at or in the Affirm app for iOS or Android. Affirm will send you email and text reminders before payments are due.

Does checking my eligibility affect my credit score?

No—checking your eligibility won't affect your credit score.

Can I return an item I bought with Affirm?

Yes—You can return an item you bought with Affirm by initiating the return process with the store.

Do I need a mobile number to use Affirm?

Yes, you’ll need a mobile phone number from the U.S. or U.S. territories. This helps Affirm verify it’s really you who is creating your account and signing in.

Where can I learn more about Affirm?

You can visit their website at

For specific questions about using Affirm on Audiogon visit our Audiogon Affirm FAQ support article.


Payment options are offered by Affirm, are subject to an eligibility check, and may not be available  | in all states. California residents: Affirm Loan Services, LLC is licensed by the Department of Business  | Oversight. Loans are made or arranged pursuant to California Financing Law license. 60DBO-111681.