It charges a charge of 2.ninety nine% for each bank card or debit card fee, and a $1.ninety five flat fee per ACH fee — a payment made instantly out of your bank account. In case you're new to credit score or haven't got a high credit score rating , you may still qualify for an Affirm loan, however your rate could possibly be at the increased finish. That is particularly effective if your credit card prices interest rates at greater than 10%.