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Split Your Purchase into Easy Monthly Installments

No late fees
No service fees
No prepayment fees
No hidden fees
Pre-qualifying does not impact your credit score!

Our business is built on honest and transparent pricing, which is why we partnered with Affirm.

Shop Budget Heating
Shop Budget Heating
Fill your cart with all the heating and air conditioning equipment & supplies you need.
Qualify with Affirm
Qualify with Affirm
Prequalify wherever you see the Affirm prompt, or select Affirm as your payment method at checkout-Affirm will ask for some info, and you'll get a decision in real-time.
Get it Delivered
Get it Delivered
Affirm sends your order and payment to us and we promptly fulfill your order. Simple, quick, reliable. You pay for it on a schedule that you have created with Affirm.
Pre-qualifying does not impact your credit score!

Frequently Asked Questions

For additional questions, please visit Affirm's Help Center
How do I contact Affirm?
Affirm can be reached at https://helpcenter.affirm.com/s/contact-us
Why was I asked to make a down payment?
You may not always qualify for the full amount of your purchase. When this happens, Affirm will ask you to make a down payment and will process this payment right after you confirm your loan. All down payments are handled by Affirm.
Do I pay Budget or Affirm?
All payments are handled between you and Affirm. To learn more about making payments, please visit https://helpcenter.affirm.com/s/article/making-a-payment.
Is Affirm available in all 50 states?
Yes, Affirm is available in all 50 states and the District of Columbia, as well as all U.S. territories.
What is required to have an Affirm account?
To sign up for Affirm, you must: Be a resident of the U.S. (including U.S. territories) Be a minimum age of 18 (19 in Alabama or if you're a ward of the state in Nebraska) Have a Social Security number Own a phone number that receives SMS and is registered to the United States or U.S. territories
Why was I denied financing by Affirm?
Budget has no information regarding a customer's financing denial. Affirm strives to offer all credit-worthy applicants financing with Affirm, but isn’t able to offer credit in every case. Affirm will send you an email with more details about its decision. Unfortunately, Affirm’s decision is final.
How is interest on an Affirm loan calculated?
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 model differs from compound interest, in which the interest expense is calculated on the loan amount and the accumulated interest on the loan from previous periods. Think about compound interest as "interest on interest," which can increase the loan amount. Credit cards, for example, use compound interest to calculate the interest expense on outstanding credit card debt.
What is required to pre-qualify?
Just the basics—your name, email, mobile phone number, date of birth, and the last 4 digits of your SSN. For more information, visit: https://helpcenter.affirm.com/s/article/about-prequalifying.
If I return an Affirm purchase, how do refunds work?
Refunds post to your Affirm account once we process your request. If you’ve already made loan payments or a down payment, Affirm issues a refund credit to the bank account or debit card that you used to make the payments. For more information, visit: https://helpcenter.affirm.com/s/article/get-a-refund. In the event that we issue a store credit instead of a refund, keep in mind: you’re still responsible for paying off your Affirm loan.
What is Affirm?
Affirm is a financing alternative to credit cards and other credit payment products. Affirm offers real-time financing for purchases online. With Affirm, you can buy your purchase now, and pay for it in fixed monthly installments. For more information, visit: https://helpcenter.affirm.com/s/article/what-is-affirm.
How does Affirm work?
  1. Select Affirm at checkout.
  2. Provide your name, email, mobile number, date of birth, and last four digits of your social security number.
  3. Affirm will send you a text with a unique authorization code.
  4. Enter the code to verify your identity.
  5. In seconds, you’ll receive your loan approval, interest rate, repayment terms, and monthly payment details.
Does Affirm perform a credit check when I apply?
Yes, Affirm performs 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.
How do I make my payments on affirm.com?
Before each payment is due, Affirm will send you reminders that will include the amount that is coming due and the due date. You can also enable Autopay so you don’t risk missing a payment. To learn more about making payments, please visit https://helpcenter.affirm.com/s/article/making-a-payment.
Are there any interest or fees associated with Affirm loans (late fees)?
Affirm loans vary between 0% APR and 10-30% APR. Affirm does not charge late fees, service fees, prepayment fees, APR penalties or any other hidden fees for a late payment. They strive to always be more transparent and fair than any other form of financing.
Why buy through Affirm?
Affirm lets you buy now and pay over time, splitting your purchase into fixed monthly payments. If approved, Affirm provides clear loan terms, including monthly payments, total interest, and no hidden fees. The secure application takes seconds, and approval is based on your credit score and other factors. You may qualify even without an extensive credit history. Affirm also sends payment reminders and offers an "Autopay" option for automatic payments.
Is my personal information secure with Affirm?
Yes. Protecting your personal information is important to Affirm—they encrypt sensitive data (like your SSN), and also layer on physical, electronic, and procedural safeguards to protect your information. Also, Affirm will never sell or rent your information to anyone.
Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Subject to eligibility check and approval, and a down payment may be required. Payment options depend on your purchase amount.
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