DOES AFFIRM PERFORM A CREDIT CHECK?

Affirm does a ‘soft’ credit check to verify your identity and provide you with a financing offer when you sign up. This will not impact your credit score at all. If you choose to complete a purchase and finance it with Affirm, a single ‘hard’ credit check will be done when your first order is processed by CashInMyBag. This may have a minor impact on your credit score. For future purchases with Affirm, no credit check will be needed.

WHY WAS I PROMPTED TO PAY A DOWN PAYMENT WITH A CREDIT CARD?

Affirm tries hard to approve every purchase but sometimes the full amount cannot be approved. When this happens, a debit card down payment option will be provided 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 verify your identity and your ability to repay the requested loan. If you are prompted for this information but are unable to provide it, Affirm will be unable to approve your credit application.

*Rates between 10-30% APR with a promotional rate of 0% APR for qualified customers. Subject to credit check and approval. For example, a $600 purchase may cost $54.22/mo over 12 months AT 15% APR. Down payment may be required. Estimated payment amount excludes taxes and shipping fees. Affirm loans made by Cross River Bank, Member FDIC