0% APR Financing Available*

As Low as 0% APR for up to 12 Months*

Pay for your RickRak purchase over time!

RickRak has teamed up with Affirm to offer easy financing. With a real-time decision, you spend less time worrying and more time riding. There are no gimmicks or late fees. With financing as low as 0% APR for up to 12 months. Affirm allows you to choose to pay off your purchase with 4 interest-free payments every two weeks or term options of 3, 6, and 12-months. You choose the payment plan that works best for you.

*Rates from 0–36% APR. For example, a $1000 purchase might cost $90.26/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license. For licenses and disclosures, see affirm.com/licenses

What is Affirm?

Affirm is a financing alternative to other credit products like credit cards. Affirm provides immediate financing of your RickRak purchases to be charged in 4 interest-free payments every two weeks or fixed monthly payments over 3, 6 and 12 month terms.

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. 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. Affirm notifies you if you’ve been approved and for what interest rate (APR). You have the option to pay off your loan over three, six, or twelve 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 get it off your mind completely. Your first monthly payment is due 30 days from the date that Affirm processes your order.

  • Be 18 years or older (19 years or older in Alabama or if you’re a ward of the state in Nebraska).
  • Not be a resident of Iowa (IA) or West Virginia (WV).
  • 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.
What items are eligible for Affirm financing?

If an item is eligible to finance with Affirm, you will see an Affirm icon by the advertised price on that product page. To finance an order containing more than one item with Affirm, all items in the shopping cart must total $50 or more. If your items qualify, you will be able to select “Pay With Affirm” as the payment method at checkout.

Will Affirm perform a credit check?

Although Affirm performs a credit check when you apply for a loan, this won’t impact your credit score. However, if you’re approved and decide to buy with Affirm, your loan and payments may affect your credit score. Paying on time can help you build a positive credit history.

Why was I prompted for my checking account information?

Affirm sometimes requires additional information to verify your identity and your ability to repay your loan before considering a credit application.

Why do I need to provide a down payment?

If Affirm cannot approve the full amount you’ve requested, they will provide you with a debit card down payment option so that you may still complete your purchase right away.

Are there any fees?

Affirm discloses any required fees upfront before you make a purchase, so you know exactly what you will pay for your financing. Affirm does not charge any hidden fees, including annual fees.

Will I see how much interest I am paying prior to accepting my loan?

Yes! Affirm works hard to be completely transparent. You’ll see the amount of interest you’ll owe on the terms page and again on the loan confirmation page. If you pay off your loan early, you’ll receive a rebate for any interest that hasn’t yet accrued.

How do I make my payments?

You can pay your Affirm bills online at www.affirm.com/pay. They accept payment by debit card, bank transfer and check. Autopay options are also available.

If I return an item, how am I refunded?

A refund posts to your Affirm account if Affirm process your refund request. In the event that we issue you store credit instead of a refund, you are still responsible for paying off your Affirm loan.

If you have already made loan payments or a down payment, Affirm issues a refund credit to the bank account or debit card that you used to make the payments.

How Do I Contact Affirm?

Affirm has a dedicated team on staff to assist you with your account. They can be reached directly at: www.affirm.com | [email protected] | (855) 423-3729