FINANCING INFORMATION
BRAVLIN PC uses Law Pay and Affirm to process online payments. Law Pay and Affirm offer "Buy Now, Pay Later" platforms. "Pay Later" is a legal financing program that allows clients like you to get the full legal services you need now, but with the ability to structure your payments over time.
"Buy Now, Pay Later" option is made available to BRAVLIN clients as an additional payment method for the clients. However, BRAVLIN PC neither promotes nor encourages clients to use this financing option.
We recommend that the clients review the Frequent Asked Questions below.
FREQUENTLY ASKED QUESTIONS
WHAT IS PAY LATER?
Pay Later is a legal fee lending solution that allows clients to pay legal fees in manageable, scheduled installments online while law firms get paid the full amount upfront.
WHAT IS AFFIRM?
Affirm flexible payment options offer clients the ability to pay over time, giving them control, convenience, and increased purchasing power.
Please note Affirm financing is only available to individual clients and is not available to entity clients who would use Affirm financing for business or commercial purposes.
HOW DO I APPLY FOR FINANCING THROUGH AFFIRM?
On the firm's payment page, you'll see an option labeled “Pay Later.” Selecting this option will take you to an online application for financing through Affirm. To apply, you will be asked to enter a few pieces of information and will then receive a real-time decision.
NOTICE: BRAVLIN PC is not affiliated or partnered with LawPay and Affirm. BRAVLIN PC does not own any financial or ownership interest whatsoever on LawPay or Affirm. The loan application with LawPay and Affirm is strictly between the client and them. The client understands that BRAVLIN PC is not a party to the client’s loan application and that the Client will not hold BRAVLIN PC responsible for their responsibilities and obligations under their agreement with LawPay and Affirm. The client agrees to hold BRAVLIN PC harmless, indemnifies BRAVLIN PC, and comes to BRAVLIN PC’s defense should any legal dispute or action is brought against BRAVLIN PC arising out of the client’s use of “Buy Now, Pay Later” option.
CAN I PAY OFF MY AFFIRM FINANCING EARLY?
Yes! There's no penalty for paying early.
WHAT ARE THE INTEREST RATES AND TERMS?
The interest rate will be a 10 to 36% APR, depending on your eligibility. The term options are three, six, 12, 18, or 24 months. There are also no late fees.*
*Additional details
Rates from 0-36% APR, based on credit. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers can be found at https://www.affirm.com/licenses.
WHEN IS YOUR FIRST PAYMENT DUE?
Your first payment is due approximately one month after the payment is processed (although you may be asked to make a down payment depending on various factors such as eligibility or the size of the full loan amount).
SHOULD I COMMUNICATE WITH BRAVLIN PC IF I HAVE QUESTIONS ABOUT MY LOAN?
You will need to contact Affirm if you have questions about your loan. They can be reached at www.affirm.com/help.
NOTICE: BRAVLIN PC is not affiliated or partnered with LawPay and Affirm. BRAVLIN PC does not own any financial or ownership interest whatsoever on LawPay or Affirm. The loan application with LawPay and Affirm is strictly between the client and them. The client understands that BRAVLIN PC is not a party to the client’s loan application and that the Client will not hold BRAVLIN PC responsible for their responsibilities and obligations under their agreement with LawPay and Affirm. The client agrees to hold BRAVLIN PC harmless, indemnifies BRAVLIN PC, and comes to BRAVLIN PC’s defense should any legal dispute or action is brought against BRAVLIN PC arising out of the client’s use of “Buy Now, Pay Later” option.
WHAT IF I AM NOT APPROVED FOR FINANCING THROUGH AFFIRM VIA PAY LATER?
Contact BRAVLIN PC to see if separate payment plan or an alternative arrangement is possible.
HOW DO I MAKE INSTALLMENT PAYMENTS FOR THIS LOAN?
Please direct all installment loan repayment inquiries to Affirm, and not to BRAVLIN PC. You can make or schedule payments at affirm.com or in the Affirm app for iOS or Android. Refer to your loan agreement for more details.
WILL USING AFFIRM AFFECT MY CREDIT SCORE?
Checking if you prequalify or applying for a loan through Affirm does not affect your credit. There are certain loans that do not include credit reporting. For example, a four biweekly payment 10% APR option would not be reported. In the cases where Affirm does report a loan to a credit bureau, it reports the full payment history, not just delinquent payments. This allows consumers an opportunity to build their credit history.
Delinquent payments may impact a consumer's credit score and may hurt their chances of getting another loan with Affirm, while positive on time repayment may help build a consumer's credit history.
WHY DO I NEED A MOBILE NUMBER TO USE AFFIRM?
You'll need a mobile number from the U.S. or a U.S. territory in order to help Affirm verify it's really you who is creating your account and signing in.
CAN I PAY MULTIPLE LEGAL BILLS USING AFFIRM VIA PAY LATER?
Each loan through Affirm is subject to a separate eligibility evaluation and approval.
DO I HAVE TO USE AFFIRM VIA PAY LATER TO PAY BRAVLIN PC?
No, you are not required to use Affirm via Pay Later. BRAVLIN PC is offering Affirm as a payment option, but you should ask us about other payment types we accept, such as credit, debit, or eCheck payments.
HOW DOES AFFIRM DIFFER FROM A CREDIT CARD?
Unlike credit cards, Affirm's loans are not a revolving line of credit. Instead, applicants are approved only for the amount they're looking to borrow—on their terms. They can select their own repayment terms, and there's no penalty for paying it off early. Additionally, unlike most credit cards, Affirm does not charge compounding interest.
For any technical or loan-related inquiries, please visit www.affirm.com/help or call 855-423-3729.
ADDITIONAL DETAILS
Rates from 0-36% APR, based on credit. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers can be found at https://www.affirm.com/licenses.

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