Are your products covered by a warranty?

We build our products to last and will stand behind it for your lifetime. We are not claiming that they are indestructible. We are saying they are worth repairing. If something breaks during your lifetime, send it back and we will fix it. If you manage to wear it out beyond repair in your lifetime, we will replace it. If you abuse or use your bag in a way for which it was not intended and end up destroying it, well, we will be happy to sell you a new one - there are limits to our warranty so don't use it as a chew toy for your pet dingo, don't scuba dive with it or use it for target practice. In short, be reasonable, and we will take care of you.

How do I know what size to order?

Please refer to our Sizing Guide for information on sizing all of our products.

May I exchange or return my item?

Absolutely! Please refer to our Exchanges & Returns page for more information.

Will I have to pay duties if I live outside of the U.S.?

Customs are a nightmare for valuable goods (for leather in particular in some places). Sadly, our shipping service doesn't allow us to prepay customs. In order to do that, we would have to switch to a different service, which would charge over $80 to ship our smallest product internationally (before duties). Thus, in order to keep your shipping charge to a minimum, we opt for the cheaper shipping service and ask that you pay assessed duties as required by customs in your country.

What do you mean by "pre-order"?

When you place a pre-order, your card will be charged within seven days of your order date, but the order won't ship right away. The product may still be in the pre-production phase; it may be in production; or it might be days away from shipping. It depends on the product.

What shipping option do you use?

We ship most domestic orders USPS Priority Mail (2-3 days) or UPS Ground (3-5 days) and most international orders USPS Priority Mail International or APC Postal Logistics. International shipping times vary widely by country, but most shipments arrive in the destination country within five days.

Are add-on accessories compatible with all of your bags?

For the most part, yes. However, any accessory that requires two belt straps (e.g., the Triple Pouch and the Thermos Tube) will not be compatible with a bag that only has a single strap.

Affirm Payment Plans

What is Affirm?

Affirm is a financing alternative to credit cards and other credit-payment products. Affirm offers instant financing for online purchases to be paid in fixed monthly installments over three, six, or twelve months.

Does Affirm do a credit check, and how does it impact my credit score?

Affirm does a “soft” credit check, which verifies the customer's identity but does not affect a customer’s credit score. Affirm's underwriting model does not use a hard credit check. There is no effect on a consumer's credit score when they apply for an Affirm loan.

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'll 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 instantaneous. 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 us 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.

How does Affirm work?

Affirm loan-application process steps:

At checkout, choose Pay with Affirm.

  • 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.
  • To ensure that you’re the person making the purchase, Affirm sends a text message to your cell phone with a unique authorization code.
  • Enter the authorization code into the application form. Within a few seconds, 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, 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.
  • 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.

How does Affirm approve borrowers for loans?

Affirm asks for a few pieces of personal information: Name, email address, mobile phone number, date of birth, and the last four digits of your social security number.

Affirm verifies your identity with this information and makes an instant loan decision.

Affirm bases its loan decision not only on your credit score, but also on several other data points. This means that you may be able to obtain financing from Affirm even if don’t have an extensive credit history.

Why was I denied financing by Affirm?

We have no information regarding a customer's financing denial. Please contact Affirm via email at help@affirm.com for assistance on denials.

Why can't customers outside the U.S. use Affirm?

Affirm is available only to shoppers residing in the United States. Affirm hopes to expand its services to customers outside the U.S. in the future.

Interest Rates and Fees

What are Affirm’s fees?

The annual percentage rate (APR) on an Affirm loan ranges from 10% to 30%. 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.

Why is my Affirm interest rate so high?

When Affirm determines your annual percentage rate (APR), it evaluates a number of factors, including your credit score and other data about you. If you finance future purchases with Affirm, you may be eligible for a lower APR depending on your financial situation at the time of purchase.

When you consider Affirm financing, carefully evaluate the loan terms that Affirm offers you and determine whether the monthly payments fit your budget.

How is interest on an Affirm loan calculated?

Affirm calculates the annual percentage rate (APR) of a loan using simple interest, which equals the rate multiplied by the loan amount and by the number of months the loan is outstanding.

This model differs from compound interest, in which the interest expense is calculated on the loan amount and the accumulated interest on the loan from previous periods. Think about compound interest as “interest on interest,” which can increase the loan amount. Credit cards, for example, use compound interest to calculate the interest expense on outstanding credit card debt.

Making Payments and Refunds

How do I make my payments?

Before each payment is due, Affirm sends you an email or SMS reminder with the installment amount that is coming due and the due date. You have the option to sign up for autopay, so you don’t risk missing a payment.

Follow these steps to make a payment:

Go to www.affirm.com/account.

Enter your mobile phone number. Affirm sends a personalized security PIN to your phone.

Enter this security PIN into the form on the next page and click Sign in.

After you sign in, a list of your loans appears, with payments that are coming due. Click the loan payment you would like to make.

Make a payment using a debit card or ACH bank transfer.

If I return an item, how do refunds work?

A refund posts to your Affirm account if we 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 long does it take to get my money back in the event of a return?

A refund credit appears in your account within three to ten business days, depending on your bank’s processing time.

Can I amend my order after my purchase has been processed? Can I be approved for a higher loan amount if my purchase amount increases?

You cannot edit your order after you have confirmed your loan. If you want to add items to your purchase, apply for another loan with Affirm or use a different payment method.

Am I able to obtain a refund after 120 days?

Refunds are only processed within 120 days of the date we process your order.