ONLINE AFFIRM FINANCING
Affirm is a financing alternative to credit cards and other credit payment products. Affirm offers instant financing for purchases online. With Affirm, you can buy and receive your purchase now, and pay for it in fixed monthly installments over the course of three, six, or twelve months.
Buy and receive your purchase now, and pay for it over three, six, or twelve months. This allows you to split up the price of your purchase into fixed payment amounts that fit your monthly budget.
If Affirm approves you for a loan, Affirm discloses your loan terms before you make your purchase. You will know exactly how much you'll owe each month, the number of payments you must make, and the total amount of interest you'll be paying over the course of the loan. Affirm does not charge hidden fees.
The application process is secure and instantaneous. Affirm asks you for a few pieces of information. After you provide this information, Affirm will notify you of the loan amount you're approved for, the interest rate, and the number of months you will have to pay off your loan, all within seconds.
You don't need to have a credit card to make a purchase. Affirm lends to its partners directly on your behalf.
Affirm bases its loan decision not only on your credit score, but also on several other data points about you. You may be eligible for Affirm financing even if you don't have an extensive credit history.
Affirm will send you email and SMS reminders in advance of your upcoming payment. You can also enable “Autopay” to schedule automatic monthly payments on your loan.
To apply for Affirm financing, you must be:
- 18 years or older.
- Provide a valid U.S. or APO/FPO/DPO home address.
- Provide a valid U.S. mobile number and agree to receive SMS texts.
- The mobile phone account must be registered in your name. Affirm cannot accept VOIP numbers at this time.
- 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.
Unlike a credit card, Affirm is not a revolving line of credit in which each transaction requires individual approval. Depending on credit Affirm will approve up to $17,500 per transaction.
While customers can take out multiple Affirm loans at once, each Affirm loan application is evaluated separately as a closed-end transaction. However, an application from a returning customer may be denied if that customer has failed to repay other Affirm loans on time or if the customer shows excessive borrowing behavior.
Yes, when you first apply for financing with Affirm, they 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, they may perform additional ‘soft’ credit checks to ensure that they offer you the best financing options possible.
Yes, protecting your personal information is very important to Affirm. They encrypt all sensitive data including social security numbers. They also maintain physical, electronic, and procedural safeguards to protect your information. They do not sell or rent your information to anyone.
Before each payment is due, Affirm will send you reminders via email and SMS that will include the installment amount that is coming due and the due date. You can also sign up for autopay so you don't risk missing a payment.
Please follow these steps to make a payment:
- Go to www.affirm.com/account
- You will be prompted to enter in your mobile number where you will be sent a personalized security pin.
- Enter this security pin into the form on the next page and click "Sign in."
- You'll now see a list of your loans and payments coming due. Click on the loan payment you would like to make.
- You can make a payment utilizing a debit card or ACH bank transfer.
A refund will post to your Affirm account if we process your refund request. In the event that we issue you a store credit instead of a refund, you will still be responsible for paying off your Affirm loan.
If you have already made loan payments or a down payment, Affirm will issue you a refund credit to the bank account or debit card that you used to make the payments. You should see a refund within 3 to 10 business days, depending on your bank's processing time.
You should see a refund from Affirm post within 3 to 10 business days, depending on your bank's processing time.
Unfortunately, you cannot edit your order after you have confirmed you loan. If you would like to add items to your purchase, you can apply for another loan with Affirm or use a different payment method.
Refunds can only be processed within 30 days of the date of your order is delivered.
Affirm loans vary between 0% and 30% APR simple interest. 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. Affirm always strives to be more transparent and fair than any other form of financing.
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 is different from compound interest , in which the interest expense is calculated on the loan amount and also the accumulated interest on the loan from previous periods. You can think about compound interest as “interest on interest,” which can make the your loan amount grow larger and larger. Credit cards, for example, use compound interest to calculate the interest expense on outstanding credit card debt.
**NOTE: For an example, see “Why Use Affirm vs a Credit Card” below**
When determining your annual percentage rate (APR), Affirm evaluates a number of factors including your credit score and many other pieces of 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 considering Affirm, you should carefully evaluate the loan terms Affirm offers you and determine whether the monthly payments fit your budget.
Please contact Affirm via email at email@example.com or by calling (855) 423-3729 for assistance on denials.
PRICE MATCH GUARANTEE
NITORI offers a price match guarantee on products that are verified to be the same make, model and brand of in-stock merchandise both in-store and available at Aki-Home.com that is offered at a lower price from an authorized seller or price has been lowered within 14 days from purchase.
To redeem the price match guarantee, present your receipt with a current in-store ad from one of the competitors or NITORI within 14 days of your purchase.
Exclusions to the Price Match Guarantee are but not limited to:
- Any items that are considered as clearance, floor models or discontinued
- Promotional offers such as:
Online only pricing
Buy One Get One Free
- Online or in-store delivery fees
- Online Dealers
- Any exclusions specified by NITORI during any in-store promotional event.
RETURNS AND EXCHANGES
One Year Limited Warranty
NITORI warrants furniture purchased by the original purchaser to be free of factory defects in construction and workmanship for one year from the date of purchase.
This warranty does not apply to, and NITORI is not responsible for:
- Normal wear and tear of fabrics or cover
- Color fastness of fabrics or cover
- Damages resulting from users negligence, foreseeable misuse, fire, accident, and acts of nature
- Furniture that has been moved from the original delivery address
- Merchandise marked or sold as a floor model or "As IS"
- Mirrors, glass shelves and glass table tops are not covered for breakage, chips, or scratches
- Differences in wood patterns
To Redeem warranty service:
Contact the Aki-Home customer service line at (855) 692-5446. Additional warranties purchased with the sale of the furniture may also apply. Warranty claims must be accompanied by a copy of the original Special Order invoice and/or receipt. If the repair requires the product to be returned to the manufacturer or distribution center, the cost of packing, shipping, and transportation is the responsibility of the purchaser.
NOTE: Cushion core depression is normal wear and is not considered a factory defect. One year limited warranty applies to residential use only, warranty does not apply to business and or commercial use.
On all other non-furniture items purchased, NITORI offers a 30 day warranty against manufacturer defects. After 30 days, the manufacturer's warranty (if applicable/available) would apply.
Warranty Terms & Conditions:
NITORI will, at its sole discretion, repair or replace the defective item if the item qualifies for warranty service according to the terms set forth in this document. If the item is not able to be repaired or replaced, NITORI may exercise the option to replace the item with another in-stock item of equal or greater value. No refunds will be given.
Unfortunately, website orders are not able to be returned to our physical stores at this time. Rest assured, we are working hard to be able to offer this to our customers in the future.
Please contact our Customer Service Team by CLICK HERE.
Once you have sent them a message with your order number and return information, they will contact you to process the return request.
No, you do not need your original receipt. However, returns without an original receipt are only able to be issued a refund in the form of an NITORI Merchandise Card and are subject to the lowest selling price within the last 90 days.
RETURNS AND EXCHANGES
Aki-Home.com collects taxes in accordance with California Law. Taxes are calculated for each shipping address total based on the state/zip code to which the item(s) is shipped. We will add all applicable taxes to items shipped any location in California.
Sales tax on the merchandise total is charged for items shipped to the following states and US territories: CA.
In California tax jurisdictions where NITORI has a nexus, local city/municipality taxes are collected as well.
You can track your order status online by logging into your account HERE or by clicking on "MY ACCOUNT" at the top right of any page on Aki-Home.com.
Alternatively, you can call 1.855.692.5446 x3 and ask us to check your order status or use our chat system on the bottom right of the screen to talk to an associate or use our automated system to check status.
Aki-Home.com accepts payments by Visa, Discover, Mastercard, American Express, and Paypal for direct payment purchases. We also offer financing from various providers.Learn More
Aki-Home.com accepts payments by Visa, Discover, Mastercard, American Express, and PayPal for direct payment purchases. We also offer financing provided by Affirm, Acima, and Syncrony Finance.Learn More
We ship all non furniture items to all US states, limitations may apply for Hawaii and Alaska. We are unable at this time to ship items outside of the USA. All furniture items that are unable to ship through UPS/USPS/FedEx, will be require either store pickup or local delivery within Southern California.
We are working hard to offer this service to you in the future.
Yes. Paypal Credit is available to use even if you applied previously. Select the appropriate Paypal option when choosing your payment method upon checkout.
NITORI gift cards are only able to be used through the method they where purchased. For instance Gift Cards ordered online are only able to used online and ones purchased in the store can only be used at a store location.
We are working hard to allow gift cards purchased online to be used in store and in store gift cards to be used online.
You can receive 10% on purchases of $100.00 or more, or 15% on purchases of $200.00 or more on orders that are shipped via a courier service (UPS/USPS/FedEx), . This offer does not include furniture items as they CANNOT be shipped, and can only be delivered or picked up.
Coupon codes for the offers are on the cart page. Please manually type in an applicable coupon at checkout.
*Offers cannot be combined with other offers/promotions/discounts. Clearance, Sale, or Special Buy items are excluded.
Since our coupons are either on our physical mailers that arrive in your mailbox or sent via Email, the fastest way would be to sign up to receive our Email specials by entering your email address in the Newsletter Signup bellow.Sign Up Now
Aki-Home's in-store, discount coupons can be received through regular postal mail or email. If you would like to receive our circulars and discount coupons, sign up to our email list in the form bellow.
HOME GOODS DELIVERY
Unfortunately we do not allow shipping of a single order to multiple addresses. Each order can only have a single shipping address.
Orders that do not include furniture are delivered in 10-20 business days from the date of order. This time varies based on where you are located.
To give you a better idea, a typical shipment to California will arrive in 10-20 days whereas an order going to New York typically arrives in 12-24 days.
Orders that include only Home Goods (everything except furniture) will be shipped via Ground Service by the best carrier available. This is normally UPS, but may also be FedEx, USPS, or a local carrier. You will be notified at the time of shipment so that you can track the order.
We really hope that this never happens to anyone. However, we realize that not every shipment will get to it's destination in perfect condition. In the case that you receive a damaged package/item, please contact us immediately via our Contact Form or by phone at (855) 692-5446 x3.
At this point, we will ask that you email us pictures of the damage and to inspect all items. We will then contact the carrier to find out if they need to pick the items up for inspection or if they can simply be shipped back to us. If you would like an exchange, we can ship the replacement out immediately. If you would like a refund, please note that we cannot issue the refund until the damaged items have been shipped back to either NITORI or the carrier. Once the carrier has responded (Usually 5-7 days) and the damaged item(s) has been picked up, we can process a refund.
If you have any questions about damaged items, please contact our customer support team at (855) 692-5446 x3, 7 days a week from 9am-9pm.