Affirm Details

  • Pay Over Time

  • Available on orders over $50

  • Make easy monthly payments on terms that you choose

  • Quick and Easy

  • Enter a few pieces of information for a real-time decision

  • No Hidden Fees

  • Know up front what you'll owe, with no hidden costs and no surprises

Checkout Steps:

  1. Select Affirm as your payment method at checkout

  2. Click 'Confirm Order'

  3. You will be redirected to the Affirm application flow

  4. Enter your phone number and additional info as needed

  5. If approved, choose your loan terms

  6. Confirm the loan agreement

  7. You will then be redirected to the S&S Cycle website


To sign up for Affirm, you must:

  • Be 18 years or older

  • 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 text messages. 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.

Affirm FAQ's

How does Affirm work?

  • Simply add the items that you would like to finance to your cart and choose Affirm at checkout. Our checkout process is simple with Affirm. Just enter in a few pieces of information about you and complete checkout and you will receive a real time decision.

Are there hidden fees?

  • No, you will know up front what you’ll owe, with no hidden costs and no surprises.

Will checking eligibility affect my credit score?

  • No, checking for eligibility will not affect your credit score. Feel free to check eligibility at any time by clicking on the learn more button on any product page.

What if I need to return an item that I financed?

  • No worries, simply use our quick and easy returns process, once we receive your returned items we will process your return within 24 hours. After the return is processed, your outstanding loan balance will be reduced by the value of the returned item. You will also receive an email confirmation that your return is completed. You can check your account balance directly on the Affirm website or in the Affirm App.

How long do I have to pay Affirm?

  • Affirm offers simple and easy payment options to Pay over 3, 6, or 12 months.

Can I use Affirm for phone orders?

  • Yes, first you must already be approved and have an Affirm account with J&P Cycles. Then you must download the Affirm app and request a virtual card number. Once you have been assigned a virtual card number, simply contact us and we will be glad to place your order.  

Affirm Official FAQ's

*Your rate will be 0% or 10-30% APR based on credit, and is subject to an eligibility check. Payment options through Affirm are provided by these lending partners: Options depend on your purchase amount, and a down payment may be required.