How to Get Cash from Affirm Virtual Card

How to Get Cash from Affirm Virtual Card

Affirm is a popular financial technology company that offers consumers an alternative to traditional credit cards. Known for its transparent financing options, Affirm allows users to make purchases and pay over time without hidden fees or compounding interest. One of the services offered by Affirm is the Affirm virtual card, which can be used to make purchases online or in-store.

What is an Affirm Virtual Card

An Affirm virtual card is a digital card issued by Affirm that can be used for online and in-store purchases. It functions similarly to a traditional credit or debit card but is linked to an Affirm loan. Users can generate a virtual card through the Affirm app or website, which is then funded with the amount approved by Affirm for a specific purchase.

Features of Affirm Virtual Cards

  • Instant Approval: Affirm offers instant approval for loans, allowing users to generate a virtual card quickly.
  • Flexible Payment Plans: Users can choose from various payment plans, typically ranging from 3 to 36 months.
  • No Hidden Fees: Affirm is known for its transparency, with no hidden fees or compounding interest.
  • Widespread Acceptance: Affirm virtual cards can be used at any merchant that accepts Visa.

Direct Cash Withdrawal

  1. ATM Withdrawal: One of the most straightforward ways to obtain cash from an Affirm virtual card is by using an ATM. However, this method may not always be possible as Affirm virtual cards are primarily designed for purchases, not cash withdrawals.
  2. Cash Advance: Some financial services or apps may offer cash advance services that accept virtual cards. Research and verify the legitimacy and fees associated with these services before proceeding.

Using Third-Party Services

  1. PayPal: Linking the Affirm virtual card to a PayPal account is a viable option. Once linked, you can transfer the funds from PayPal to your bank account.
  2. Venmo: Similar to PayPal, Venmo allows users to link a virtual card. After linking, you can transfer the balance to your bank account or use the funds within Venmo for various transactions.

Purchasing Gift Cards

  1. Retail Gift Cards: Purchase gift cards from major retailers using the Affirm virtual card. You can then sell these gift cards for cash through platforms like Raise or CardCash.
  2. Prepaid Debit Cards: Another option is to purchase prepaid debit cards, which can be used for cash withdrawals at ATMs or for other transactions that require cash.


While obtaining cash from an Affirm virtual card is not illegal, it is essential to ensure that you are complying with all applicable laws and Affirm’s terms of service. Some methods may violate the card issuer’s policies, leading to penalties or account suspension.

Ethical Considerations

  1. Transparency: Always be transparent about your intentions when using financial services. Misleading or fraudulent actions can have legal repercussions.
  2. Responsibility: Use these methods responsibly and ensure that you are not incurring unnecessary fees or engaging in risky transactions.

ATM Withdrawal and Cash Advances

  1. Check Card Compatibility: Verify if your Affirm virtual card can be used for ATM withdrawals by checking Affirm’s terms and conditions or contacting customer support.
  2. Find an ATM: Locate an ATM that accepts your card. Note that some ATMs may charge additional fees for using a virtual card.
  3. Withdrawal Process: Follow the standard process for withdrawing cash. Enter your PIN (if required) and select the amount to withdraw. Be mindful of any withdrawal limits or fees.
  4. Cash Advance Services: Research reputable cash advance services that accept virtual cards. Understand the terms, fees, and repayment conditions before proceeding.

Using PayPal and Venmo

  1. Linking to PayPal:
    • Log in to your PayPal account.
    • Navigate to the “Wallet” section.
    • Click “Link a card” and enter the Affirm virtual card details.
    • Verify the card if required by PayPal.
    • Transfer funds from the virtual card to your PayPal balance.
    • Withdraw the PayPal balance to your bank account.
  2. Linking to Venmo:
    • Open the Venmo app and log in.
    • Go to the “Payment Methods” section.
    • Add the Affirm virtual card by entering the card details.
    • Use Venmo’s transfer feature to move funds to your bank account.

Purchasing and Selling Gift Cards

  1. Buying Gift Cards:
    • Choose a reputable retailer or online platform that sells gift cards.
    • Purchase gift cards using your Affirm virtual card.
    • Ensure the gift cards are for popular retailers to facilitate easy resale.
  2. Selling Gift Cards:
    • Use platforms like Raise, Card Cash, or Gift Card Granny to sell your gift cards.
    • List the gift cards for sale, providing all necessary details.
    • Once sold, receive payment via check, PayPal, or direct deposit.
  3. Prepaid Debit Cards:
    • Purchase a prepaid debit card with your Affirm virtual card.
    • Use the prepaid card for ATM withdrawals or other cash transactions.
    • Be aware of any fees associated with the prepaid card.

Potential Fees

  • ATM Fees: Using an ATM for cash withdrawals may incur additional fees. Check with the ATM provider and Affirm for any applicable charges.
  • Cash Advance Fees: Services offering cash advances may charge high fees and interest rates. Understand these costs before using such services.
  • Gift Card Selling Fees: Platforms that buy gift cards often charge a percentage of the card’s value as a fee. Compare rates across different platforms to get the best deal.

Security Risks

  • Fraudulent Services: Be cautious of services that appear too good to be true. Research and verify the legitimacy of any third-party service before providing your card details.
  • Data Privacy: Ensure that any platform or service you use has robust security measures in place to protect your personal and financial information.

Personal Loans

If obtaining cash from an Affirm virtual card is challenging or impractical, consider applying for a personal loan. Many financial institutions offer personal loans with competitive interest rates and flexible repayment terms.

Traditional Credit Cards

Traditional credit cards often come with cash advance options. While these may incur fees and higher interest rates, they can be a more straightforward solution for obtaining cash compared to using a virtual card.

Savings and Emergency Funds

Building and maintaining a savings account or emergency fund can provide a buffer for times when you need quick access to cash. Regularly contribute to these funds to ensure you have resources available in case of unexpected expenses.


Converting an Affirm virtual card to cash can be accomplished through various methods, including direct cash withdrawals, using third-party services like PayPal and Venmo, and purchasing and selling gift cards. Each method has its own set of steps, risks, and considerations. It is crucial to understand the terms and conditions associated with your Affirm virtual card and any third-party services you use. By being informed and cautious, you can effectively manage your finances and make the most of your Affirm virtual card.

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