Does Affirm perform a credit check?

Yes. When you first create an Affirm account, we 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, we may perform additional “soft” credit checks to ensure that we continue to offer you the best financing options possible.

Why was I prompted to make a downpayment?

We aren’t always able to approve financing for the full amount of a purchase. When this happens, you will have the option of using a debit card to pay for the rest of your purchase. The downpayment amount cannot be changed.

Why was I prompted to link my checking account?

Affirm sometimes needs more information about your financial situation to evaluate your loan application. We may ask you to link your online checking account, which helps us determine your ability to repay a loan. If you're prompted to link your checking account and would like to continue with the application process, you may securely link your account by providing the login information for your bank account. We may refresh your bank account information periodically, but you can unlink your account at any time in your Affirm account settings.