Financing

Vivid Racing offers Performance Part Financing for your vehicle through Affirm. Get a fixed, monthly payment from 10-30% APR. You can order online or by phone for an instant decision! For phone orders, fill out the form below and one of our Performance Specialist will contact you to go through the Application.

About Affirm

How do I sign up for Affirm?

There are two ways to sign up for Affirm:

  1. Create an Affirm account at www.affirm.com/account in just a few easy steps; or
  2. Select Affirm as your payment method while checking out with any Affirm online merchant partner.

What is required to have an Affirm account?

To sign up for Affirm, you must:

  1. Be 18 years or older (19 years or older in Alabama or if you’re a ward of the state in Nebraska).
  2. Provide a valid U.S. or APO/FPO/DPO home address. Buy with Affirm is not currently available to Iowa or West Virginia residents.
  3. Provide a valid U.S. mobile or VoIP number and agree to receive SMS texts.
  4. 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.

Are there any interest or fees associated with Affirm loans?

Affirm loans vary between 10% and 30% APR simple interest (0% APR is offered at select merchants). The corresponding finance charge is the only fee associated with an Affirm loan - we don’t charge late fees, service fees, prepayment fees, or any other hidden fees. We strive always to be more transparent and fair than any other form of financing.

What are my payment options?

When you make a purchase of $100 or more with Affirm, you can pay over 3, 6, or 12 months. For purchases between $50.00–$99.99, you can pay over 3 or 6 months. Select merchants may offer different terms, including a 30-day payment option for purchases under $50. See our cost calculator to learn more.

Do I have a credit limit with Affirm?

Unlike a credit card, Affirm is not a revolving line of credit. While customers can take out multiple Affirm loans at once, each Affirm loan application is evaluated separately as a closed-end transaction. An application from a returning customer may be denied, however, if that customer has failed to repay other Affirm loans on time or if the customer shows excessive borrowing behavior.

Does Affirm perform a credit check?

Yes, when you first create an Affirm account, we perform a ‘soft’ credit check to help verify your identity and determine your eligibility for financing. This ‘soft’ credit check will not affect your credit score.

If you apply for more loans with Affirm, we may perform additional ‘soft’ credit checks to ensure that we offer you the best financing options possible.

Does Affirm report to credit bureaus?

Yes. Our goal is to give you the opportunity to build your credit history as you repay your Affirm loans. That’s why, for loans requested on or after August 3, 2016, Affirm reports information about your loan and payment activity to Experian (and plans to report to other credit bureaus in the future).

Because FICO and credit bureaus calculate your credit scores in ways that are not publicly known, we can’t predict exactly how your credit score will be affected. There are many factors that could impact your credit, such as your payment history, the amount of available credit that you have used, the length of your credit history, and the number of accounts you have recently opened.

What is Cross River Bank and how is it related to Affirm?

Cross River Bank is a New Jersey State Chartered Commercial Bank, Member FDIC, and is the lender for all Affirm loans.

Is my personal information secure with Affirm?

Yes, protecting your personal information is very important to us. We encrypt sensitive data including Social Security numbers. We also maintain physical, electronic, and procedural safeguards to protect your information. We do not sell or rent your information to anyone. You can read more about our Privacy Policy here.

For more on Affirm Visit the FAQ Section

Financing Inquiry Form

Basic Information

Vehicle Information


Why Should I Finance Car Parts?

There are a number of reasons to finance car parts. For people who are living paycheck to paycheck, auto parts financing allows you to spread out your payment over a long period of time. That way, instead of having to make one giant lump sum payment, you can slowly pay for a product in small monthly increments. This can also be extremely helpful for people who have recently faced difficult circumstances that have forced them to empty their savings, such as a hospital stay or some other kind of unforeseen disaster.

If your car is in desperate need of some upgrades but you are low on cash, auto parts financing is the best way to go. At Vivid Racing, we are proud to offer very generous financing packages through Affirm. That way, you can still buy the auto parts you desire without having to break the bank.

“Buy Now, Pay Later” Car Parts

Sometimes, you see a car part that you simply must have. However, you do not quite have the cash right now to make a purchase. That is why we offer our customers “buy now, pay later” car parts. By signing up for an auto parts financing plan, you can purchase new car parts without having to pay a single dollar on the day of purchase. Instead, you can opt to own the part now, with the promise that through a financing plan you will slowly pay for the part over time.

Regardless of the price, you can pay for any product with a car parts financing plan. You can finance car parts that cost as little as $50 or as much as $5,000 and above! At Vivid Racing, you have the power to decide how you want to pay for your car parts.

Learn More About How to Finance Car Parts With Affirm

If you are interested in learning more about how to finance car parts with Affirm, contact Vivid Racing today. At Vivid Racing, we want to do everything possible to make sure our customers walk away satisfied, and that is why we offer affordable and easy to understand auto parts financing plans.

If you are still unsure if you will qualify for car parts financing or are having trouble understanding how a financing plan works, talk to a representative at Vivid Racing. Our team is dedicated to making the proceeds as simple and straightforward as possible, and we are happy to answer any questions you may have. To learn more about how to finance car parts, contact Vivid Racing today by calling (480) 966-3040.