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How Does it Work?
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Does Affirm perform a credit check?
Yes, when you first create an Affirm account, they perform a ‘soft’ credit check to help verify your identity and determine your eligibility for financing. This ‘soft’ credit check will not affect your credit score. If you apply for more loans with Affirm, they may perform additional ‘soft’ credit checks to ensure that they offer you the best financing options possible.
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, they provide 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 them verify your identity and your ability to repay the requested loan. If Affirm prompts you for this information but you are unable to provide it, Affirm will be unable to approve your credit application.
For more information visit: https://www.affirm.com/faqs/