Get the score you need for approval
Affirm reports that you're "more likely to be approved" for their financing with a score of 640 or higher. There are user reports of being approved with a score as low as 600. Ensuring your revolving balances are low and that you have less than six inquiries will help.
If you have a 640 or higher credit score, you have great odds of getting approved by Affirm. If you don't have a credit score over 640, we strongly recommend speaking with a Credit Repair company to see if they can potentially fix your credit.
Yes, they do. Each Affirm loan you get shows up as a separate loan on your credit report.
Affirm will approve your loan if your credit is 640 or higher.
Affirm conducts a soft credit check on applicants. This doesn't impact your credit score.
Affirm conducts a soft pull of your credit, so it won't hurt your score.
Using an Affirm loan for a purchase may impact your credit score. Making regular monthly payments on your loan helps you build positive credit.
Affirm conducts a soft pull of your credit, which won't hurt your score. However, accepting the loan may impact your credit.
Affirm offers prequalified, "point of sale" financing. If you apply for a loan with Affirm, they'll conduct a soft pull during your application. While this won't hurt your score, accepting the loan may impact it.
Affirm works with hundreds of major retailers. Applying is easy and can be done at checkout either in person or online.
The good news is you can get approved by Affirm, as long as your credit score is 640 or above. Since they conduct a soft inquiry, applying for a loan with Affirm won't affect your score.
If you have fair credit, especially a credit score of 640 or above, you can get approved for a loan with Affirm.
Affirm reports most of its loans and payments to Experian.
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