How does woom financing work?

woom has partnered with Affirm to offer a payment plan option for the purchase of all bike models. Affirm offers 3-month, 6-month, 12-month, or 18-month payment plans, with 0-36% APR.

At check out, customers will be able to select Affirm as a payment option. From there, they can enter a few pieces of information and receive a real-time decision based on their eligibility.

Once eligibility is confirmed, customers can select the payment schedule that works best for them and their budget, and confirm their loan. Next, they will be prompted to download the Affirm app or sign in at, and Affirm will provide email and text reminders so customers never miss a payment.

To be eligible to use Affirm, you must: 

  • Be a resident of the U.S. (including U.S. territories) 
  • Be at least 18 years old (19 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

Can I use Affirm without a mobile number?

Unfortunately, no. You need a mobile phone number from the U.S. or U.S. territories. This helps Affirm verify it’s really you who is creating your account and signing in. When you create your account, Affirm will ask for your mobile number. Each time you sign in, you’ll enter your number, and Affirm will text you a verification code. Later, if you get a new mobile number, it’s no problem to update your Affirm account. Just visit

What happens when I enable AutoPay?

Affirm will automatically debit your monthly payment amount from your payment method on each due date.

Am I required to choose AutoPay? Can I turn it off?

AutoPay is optional and will not affect Affirm’s credit decision. Customers can modify their AutoPay settings at any time.

If I cancel my order before my bike is shipped and I have an Affirm payment plan, what am I obligated to pay?

You are welcome to cancel a pre-order at any time. If you have made payments towards the purchase of your bike by the time you decide to cancel, woom will refund you what you have paid toward the purchase of the bike. You will also not be obligated to pay anything further. If you have set up an interest-bearing repayment option with Affirm, any interest you have paid will not be refunded. Please note that this is true for any form of credit.

For any questions or concerns regarding the Affirm payment plan process, customers can access Affirm’s 24/7 online resources, as well as customer care support here: Affirm Help Center