It costs a charge of 2.ninety nine% for every bank card or debit card fee, and a $1.ninety five flat fee per ACH payment — a fee made immediately out of your checking account. Should you're new to credit score or haven't got a high credit rating , you should still qualify for an Affirm loan, however your price could be at the greater end. That is particularly effective in case your credit card charges rates of interest at more than 10%.