You live in a time when BNPL (Buy Now Pay Later) services have acquired their space in the forefront, and rightly so. With a pandemic constantly at your heels and your work piling up day by day, it becomes quite a trying task to step out for leisure at all. However, shopping is one thing that cannot be ignored and is reasonably necessary. Read further to find out how one can shop while simultaneously tending to their work! and Does Dillard’s Accept Affirm?
Dillard’s and Affirm
Before coming bluntly to your concern, let us first comprehend what Dillard’s and Affirm are. Dillard’s, founded in 1938, is simply an American department store whose headquarters are located in Arkansas, United States. The essential products offered by Dillard’s are beautiful home furnishings and clothing with the latest trends. At Dillard’s, they do not believe much in offering product discounts and instead emphasize everyday pricing strategy.
Affirm whether a Buy is Now Pay Later (BNPL) platform, which aims to make shopping easier and budget-friendly for the customers. One can easily buy a product and pay later, in installments. Thus, BNPL platforms like Affirm aid the customers to clear them of unmanageable debts.
Now that you’ve acquired quite a sense of the two platforms, let’s come to the main point of concern- does Dillard’s accept Affirm? Unfortunately, Dillard’s has made no plans as such to accept Affirm. Nevertheless, let’s not get disheartened. Since BNPL platforms like Affirm are becoming quite popular now, read on to use one effectively specializing in selling men’s and women furniture and clothing
Dillard’s Credit Card
Dillard’s provides its customers with two types of credit cards: Dillard’s store credit card and Dillard’s American Express credit card. Customers are offered many benefits if they choose to pay using one of these credit cards:
- Once you receive 1500 reward points, you will be given a 10% off on your purchase.
- For every $1 spent at gas stations and grocery stores, the American Express credit card holders receive 2 points instead of one.
In addition to this, Dillard’s also offers coupons to its customers so that you can have a budget-friendly shopping experience.
How to use Affirm?
Although Dillard’s doesn’t accept Affirm, one should, however, get their hands on such BNPL platforms since they’re rapidly becoming the current day norm. Read further to get to know a bit more about Affirm.
- To use Affirm, the first thing to do is download the app and sign in to make your account.
- Once that is done, you can quickly. Proceed towards shopping.
- During check-out, you are provided with the option of spreading out your payment.
- Once you apply for this short-term loan, you are bound to get approved in seconds.
- When all the steps mentioned above are completed, all you have to do is make a small down payment and then pay the rest of the amount within a span of a few weeks.
Pros of using Affirm
Becoming familiar with Affirm and actively using it comes with a few advantages:
- As mentioned before, Affirm aims to make shopping a comfortable experience and budget-friendly.
- If you fail to make your payments on time, Affirm doesn’t charge any fee, although it makes it challenging to get another short-term loan.
- Affirm gives options to choose from: you can make your payments with your bank account, debit card, or check.
Cons of using Affirm
It is imperative to make a note of the possible disadvantages that accompany using Affirm:
- While returning a product, you will only get back the principal amount of the loan. In short, you will not get back the small amount of interest you paid for the loan.
- Affirm can sometimes hurt your credit score, but only if you delay your payments.
- If you already have a bad credit score, you may not get a loan via Affirm.
Conclusion
Unfortunately, Dillard’s doesn’t accept Affirm. However, the bottom line is that Buy Now Pay Later platforms are acquiring much space since the customers get many benefits without worrying about making the full payment on the spot. Nevertheless, as conscious customers, you need to be aware and steer clear of scams that have become more prevalent on such platforms; you should never provide your bank account details to any person simply claiming to be affiliated with Affirm. Nevertheless, when used effectively and judiciously, Affirm can be viewed as a boon.
Frequently Asked Questions:
- What is BNPL?
BNPL refers to Buy Now Pay Later. It proves to be quite helpful when making unexpected expensive purchases.
- Is Affirm safe to use?
Yes, Affirm is safe to use. However, as is usually the case with most online platforms, one needs to be aware and steer clear of scams.
- Will my credit score be negatively affected if I use Affirm?
No, your credit score will not be negatively affected unless you make undue delays in repayments of the loans taken with Affirm.
- What does Dillard’s sell?
Dillard’s is a well-renowned departmental store, that specializes in selling furniture and clothing for men and women.
