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A smarter way to pay for legal services

The Law Office of Janay Kent, LLC is excited to announce a new way for our clients to pay! ClientCredit, powered by Affirm, allows you to finance your payment to the firm with no hidden fees, no late charges, and no surprises.

Paying with Affirm is simple

1. Select the "Pay Later" tab as your payment method

Enter a few pieces of information for a real-time decision. This check doesn't affect your credit score.

2. Choose a payment plan

See what payment plans are available for you. There are no hidden fees.

3. Pay over time

Make payments at or in the Affirm app. Watch for text and email reminders when a payment is coming up.


Say yes with confidence

When you buy with Affirm, you always know exactly what you'll owe and when you'll be done paying. You'll never pay a hidden fee—or any fee, for that matter.


Never pay more than the price of your purchase.


It only takes a moment, and checking your eligibility won't affect your credit score.


Affirm won't charge you late fees or penalties of any kind, ever.

Payment options are offered by Affirm, are subject to an eligibility check, and may not be available in all states. Options depend on your purchase amount, and a down payment may be required. California residents: Affirm Loan Services, LLC is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681.


What is ClientCredit?

ClientCredit allows law firms to access a legal fee lending solution that allows consumers to pay legal fees in manageable, scheduled installments online. 

What is Affirm?

Affirm's flexible payment options offer customers the ability to pay over time, giving them control, convenience, and increased purchasing power.

Please note Affirm financing is only available to individual customers and is not available to entity customers 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.

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 30% APR, depending on your eligibility. The term options are three, six, 12, 18 or 24 months. There are also no late fees.*

When is a consumer’s first payment due?

A consumer’s first payment is due approximately one month after the payment is processed (although the consumer 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 my lawyer 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

What if I am not approved for financing through Affirm  via ClientCredit?

You will need to discuss this with your lawyer to see if they are open to a separate payment plan or an alternative arrangement.

How do I make installment payments for this loan? 

Please direct all installment loan repayment inquiries to our consumer financing partner, Affirm, and not to your attorney. You can make or schedule payments at 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 ontime 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 ClientCredit? 

Each loan through Affirm is subject to a separate eligibility evaluation and approval. 

Do I have to use Affirm via ClientCredit to pay my attorney?

No, you are not required to use Affirm via ClientCredit. Your lawyer is offering Affirm as a payment option, but you should ask them about other payment types they accept, such as credit, debit, or eCheck payments.

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