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After your purchase, you’ll accept email that is monthly SMS reminders regarding the future payments. You can put up autopay to prevent lacking a repayment. Very first payment that is monthly due 30 days through the date that people (the merchant) processes your purchase.

Affirm FAQs

How can Affirm approve borrowers for loans?

Affirm asks for a couple items of private information: title, email address, cell phone quantity, date of birth, in addition to final four digits of the social protection quantity.

Affirm verifies this information to your identity and makes an immediate loan choice.

Affirm bases its loan choice not just on your own credit history, but in addition on some other data points. Which means that you might be in a position to get funding from Affirm no matter if don’t have actually a substantial credit rating.

Does Affirm execute a credit check, and exactly how does it influence my credit rating?

Affirm does a “soft” credit check, which verifies the consumer's identification but will not impact a customer’s credit history. Affirm's underwriting model doesn't make use of credit check that is hard. There is absolutely no influence on a customer's credit rating if they make an application for a loan that is affirm.

Why had been we denied financing by Affirm?

The vendor does not have any given details about a client's funding denial. Affirm strives to supply all credit-worthy candidates funding with Affirm, it isn’t in a position to provide credit in almost every instance. Affirm will be sending you a message with additional information regarding its choice.