How to Get Cash From Affirm Virtual Card? (Possible or Rumor?)

Affirm Virtual Card is a product of that you get once you’re approved for a loan. This card is meant for use one-time only at your preferred merchant, either online or in-store (most Visa approved stores also accept Affirm virtual cards).

Affirm is another revolutionary fintech company in the move towards buy-now-pay-later products. As many users opt for this mode of purchase, questions abound about what else you can get from the virtual card. In this case, the question is, how to get cash from affirm virtual card?

What is Affirm Virtual Card?

Affirm Virtual Card acts like a standard credit card helping clients buy what they want and pay for it later. The Affirm credit card is only available to U.S citizens or residents (except for Iowa and West Virginia residents) that are 18 years or older with a Social Security Number (SSN).

You can request the virtual card in your Affirm account and use the Affirm app or website for application. You can use the Affirm card for making purchases by selecting it as your payment option at checkout. Next, enter the card number and other requested information.

To Pay online:

  • Go to Check out. 
  • Select pay with a credit card 
  • Enter your Virtual Card’s 16-digit number. 
  • Enter your billing address. 
  • Complete checkout. 

You can use Apple Pay and Google Pay by adding your virtual card to these payment services. Unlike traditional credit card with SSN, the Affirm credit card gives you an approved amount, which means you’ll never owe more than you agreed on upfront. Instead, you get a flexible, convenient, and transparent way to pay what you owe without incurring high-interest charges.

How to Get Cash from Affirm Virtual Card?

The Affirm Virtual Card is designed to ease purchasing for you whether you have a good credit score, no credit history or a poor credit score. This option is great for both customers and ecommerce stores as they reduce the number of abandoned carts due to lack of funds. When it comes to withdrawing cash from your Affirm Virtual card, It’s impossible to do so no matter how little remains in your card account.

Whether you have the basic Affirm Card or the Advanced one, you cannot make withdrawals. If you check the Affirm app or website, you’ll not find any cash withdrawal options. You can also withdraw cash from the Affirm account if you have a savings account with them. You open a savings account by:-

  • Downloading the Affirm app on the Apple Store or Google Play store
  • Open the Affirm app. 
  • Go to the Manage tab, at the Savings, tap press ‘learn more.’ 
  • Tap sign up. 
  • Read the disclosures, tap agree and open your account. 
  • Check your options. 

Alternatively, you can open the Affirm Savings account on You’re free to transact once your application is approved, and you can transfer money to and from your Affirm savings account.

Withdrawing Money from Your Affirm Savings

You can withdraw from by:

  • Signing into your account. 
  • Select “Save”
  • Select “Withdraw”.
  • Enter the amount you want to withdraw. 
  • Under from, link the bank account you want the amount transferred to. 
  • If you have one linked account, funds will be auto-linked to that account. 
  • If you have a multiple-linked account, you’re required to select one. 
  • Review the details you’ve keyed in and select confirm. 

In the Affirm app, go to:

  • Open Affirm app
  • From “Savings” option, Tap on “See Account” 
  • Tap “Withdraw”. 
  • Enter your preferred amount.
  • Under from, tap your preferred linked bank account. 
  • If you have one linked account, your application will be auto-filled with this account. 
  • If you have multiple linked accounts, choose one. 
  • Review your details and tap confirm. 

Once you add money to your Affirm Savings Account, it takes 1-5 business days for the funds to become available. There’s an Affirm withdrawal limit, and you can make about 6 withdrawals or transfers from your savings each month.

What is The Benefit of Using Affirm?

Affirm is designed to make it easy to buy your desired merchandise. Their virtual card lets you shop online or in-store at any retailer that accepts Visa credit cards. You can get a loan of as low as 0% interest fee for up to 48 months with no hidden charges, prepayment costs, late fees or service fees.

Although you cannot withdraw cash from Affirm, you can use it to make purchases of up to $17,500. Affirm offers you an instant buy now-pay later financing at over 235,000 stores. Their card lets you split charges to either four payments made after every two weeks or monthly. You can also option for one-time payments if you don’t want to pay for something in installments.

To Conclude

The buy now, pay later option is the best payment solution if you want to buy something but are short of funds. As a lender, Affirm leads the market as a platform with flexible pay and fast access to loans. You can use these loans immediately once approved. However, you cannot withdraw cash from the Affirm virtual card as the card works pretty much like a credit card.

Frequently Asked Question

Can I get a refund from Affirm? 

Affirm can refund you if you’ve already made loan or down payments. The company will process the refund using the bank account you used to make payments. You usually take 3-10 business days to see the refund credit. The refund duration depends on your bank’s processing time. 

Can Affirm refund on a canceled order? 

Your first step is initiating the cancellation or returns process with the merchandiser. Affirm updates your loan once the cancellation/return process is finalized. 

Can I cancel my Affirm credit card? 

You can cancel your Affirm virtual card on the home screen of your Affirm app. Go to the ‘view card’ option, tap edit or cancel the card to cancel the card. 

Does Affirm affect credit score? 

There are some loans that Affirm will not report to credit bureaus. But if you make partial or late payments, it will hurt your credit score and affect your ability to get another loan.