Own It Now. Pay Over Time.

No. Affirm uses a soft credit inquiry to check your eligibility, which has no impact on your credit score. You can check your rate and repayment options without any commitment.

Affirm does not publish a minimum credit score requirement. Approval is based on several factors including your credit history, the purchase amount, and your existing Affirm account history. Many applicants with fair to good credit are approved.

Yes. You can make early payments or pay your full balance at any time through affirm.com or the Affirm app. Affirm charges no prepayment penalties — paying early only reduces the interest you owe.

Affirm financing is currently available to U.S. residents and customers in all U.S. territories only. International customers may contact our team to discuss alternative payment arrangements.

Enigwatch offers 3, 6, and 12-month repayment plans through Affirm. The 3-month plan is available at 0% APR for eligible customers. Rates for 6 and 12-month plans range from 10–36% APR depending on creditworthiness. A down payment may be required on some purchases.

Affirm is available on all Enigwatch watch winders and vault safes sold through enigwatch.com. Financing is applied at checkout and is subject to a minimum purchase amount set by Affirm.

Affirm does not charge late fees. However, missed payments may be reported to credit bureaus and could affect your credit score. Affirm will send payment reminders by email and SMS before each due date. If you anticipate difficulty making a payment, contact Affirm directly at affirm.com/help.

All payments are managed through your Affirm account at affirm.com or via the Affirm mobile app. You will receive email and SMS reminders ahead of each payment due date.

No. All financing is processed directly through Affirm. Enigwatch does not collect, store, or have access to your financial account details at any point during the application or repayment process.