Frequently Asked Questions
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.
Yes. When you first create an Affirm account, Affirm performs 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.
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.
Affirm sometimes needs more information about your financial situation to evaluate your loan application. They may ask you to link your online checking account to view transaction history and balance, which helps determine your ability to repay a loan. If you are prompted to link your checking account and would like to continue with the application process, you may link your account by providing the login information for your online bank account. Affirm does not store your online banking login information - they simply pass your login credentials to your bank via a secure service linking your checking account. Linking your checking account DOES NOT authorize Affirm to debit your account. It only allows them to determine your ability to pay.