Frequently asked questions
What information does Affirm require?
Your Affirm account is created using your name, email, mobile phone number, birthday and the last 4 digits of your SSN. This combination helps Affirm verify and protect your identity.
Does checking my eligibility affect my credit?
No, your credit won’t be affected when you create an Affirm account or check your eligibility (including checking your pre-qualification eligibility). When you apply for or check to see if you prequalify for Affirm financing, it’s considered a ‘soft’ inquiry, which does not affect your credit. If you decide to pay with installments through Affirm, your payment plan and repayment activity may be reported to credit bureaus. You can find more information on Affirm’s Help Center.
Why was I prompted to pay a down payment with a debit card?
Affirm tries hard to approve every purchase but sometimes can’t approve the full amount. When this happens, Affirm provides a debit card down payment option so that you may still complete your purchase right away.
Why was I prompted for a checking account?
Affirm sometimes requires additional information to consider a credit application. Such information may include an active checking account, which helps Affirm verify your identity and your ability to repay the requested loan. If they prompt you for this information but you are unable to provide it, Affirm will be unable to approve your credit application.
What rate will I receive?
Your rate will be 10-36% APR based on credit history, and is subject to an eligibility check. Payment options through Affirm are provided by the lending partners listed on their site. Options depend on your purchase amount, and a down payment may be required.
What are the eligibility requirements?
Affirm customers must be a resident of the U.S. (including U.S. territories), be at least 18 years old (19 if a ward of the state in Nebraska), have a Social Security number, and own a phone number that receives SMS and is registered in the U.S. or U.S. territories.
How do I pay my bills?
You can pay your Affirm bills online at www.affirm.com/pay. They accept payment by debit card, bank transfer and check.