Financing Options Available Through Affirm

Electric Whispering, in addition to accepting all major credit cards, we offer FINANCING options for short-term or long-term payment plans.

Affirm which has a couple of different plans you can choose from. Payment options offered by Affirm, are subject to an eligibility check, and may not be available in all states. Options depend on your purchase amount, and down payment may be required. 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.

The first Affirm plan is "Split Pay" and involves dividing up your payments into 4 interest-free payments for your convenience. Here are some of the terms with this plan:	The second Affirm plan is "Flexible Months to Pay" and involves dividing up your payments into 3, 6, 12 or 36 monthly payments. The terms can vary based on the purchase amount with this plan: For example, "on a $700 purchase, you may pay $63.18 for 12 months with a 15% APR."
• 4 interest-free payments • payments every 2 weeks • 0% APR • pay over time • payment options through Affirm • no fees • instant loan decisioning	• for qualified buyers • Rates are between 0–36% APR. • A down payment may be required. • Payment options depend on your purchase amount. • Estimated payment amount is shown. • Actual terms may vary.

What is Affirm?
Affirm is a financing alternative to credit cards and other credit payment products. Affirm offers instant loan decisioning for online purchases to be paid in fixed monthly installments over 3, 6, 12 or 36 months, depending on the amount of sale.

Why buy with Affirm?
Buy and receive your purchase right away, and pay for it over several months. This payment option allows you to split the price of your purchase into fixed payment amounts that fit your monthly budget.

If Affirm approves your loan, you'll see your loan terms before you make your purchase. See exactly how much you owe each month, the number of payments you must make, and the total amount of interest you'll pay over the course of the loan. There are no hidden fees.

The application process is secure and real-time. Affirm asks you for a few pieces of information. After you provide this information, Affirm notifies you of the loan amount that you're approved for, the interest rate, and the number of months that you have to pay off your loan -- all within seconds.

You don't need a credit card to make a purchase. Affirm lends to the merchant directly on your behalf.

You may be eligible for Affirm financing even if you don't have an extensive credit history. Affirm bases its loan decision not only on your credit score but also on several other data points about you.

Affirm reminds you by email and SMS before your upcoming payment is due. Enable Autopay to schedule automatic monthly payments on your loan.

What is required to have an Affirm account?

To sign up for Affirm, you must:
Affirm customers must: Be a resident of the U.S. (including U.S. territories) Be at least 18 years old (19 if you’re a ward of the state in Nebraska) Have a Social Security number. Own a phone number that receives SMS and is registered to the United States or U.S. territories.

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.

How does Affirm work?

Affirm loan-application process steps:
1. At checkout, choose Pay with Affirm.

2. Affirm prompts you to enter a few pieces of information: Name, email, mobile phone number, date of birth, and the last four digits of your social security number. This information must be consistent and your own.

3. To ensure that you're the person making the purchase, Affirm sends a text message to your cell phone with a unique authorization code.

4. Enter the authorization code into the application form. Within a short time, Affirm notifies you of the loan amount you're approved for, the interest rate, and the number of months you have to pay off your loan. You have the option to pay off your loan over three, six, twelve or thirty six months. Affirm states the amount of your fixed, monthly payments and the total amount of interest you'll pay over the course of the loan.

5. To accept Affirm's financing offer, click Confirm Loan and you're done.

After your purchase, you'll receive monthly email and SMS reminders about your upcoming payments. You can also set up autopay to avoid missing a payment. Your first monthly payment is due 30 days from the date that we (the merchant) processes your order.

Choose the E-Scooter or E-Bike you want to get, then select Affirm at checkout. Enter a few pieces of information and get instant loan decisioning. It's that easy!

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