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 credit card?
We try hard to approve every purchase with Affirm, 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 them 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.
* Previous purchases are ineligible for offer. Offer is subject to change at any time. Pay over 3, 6, or 12 months with 0-30% APR financing when you complete a purchase using Affirm. Eligibility subject to applicant's creditworthiness. (Example 1: On a $199 purchase, you may pay $16.58 for 12 months with a 0% APR. Or you may pay $33.17 for 6 months with a 0% APR. Or you may pay $66.33 for 3 months with a 0% APR. Example 2: On a $199 purchase, you may pay $17.96 for 12 months with a 15% APR. Or you may pay $34.63 for 6 months with a 15% APR. Or you may pay $68 for 3 months with a 15% APR. Example 3: On a $199 purchase, you may pay $19.40 for 12 months with a 30% APR. Or you may pay $36.13 for 6 months with a 30% APR. Or you may pay $69.68 for 3 months with a 30% APR). Payment options through Affirm are provided by these lending partners: Member FDIC; Celtic Bank, Member FDIC; or Affirm Loan Services, LLC. 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.
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