Q&A: What credit score do you need for Affirm?

Updated on January 8, 2024

Question: What credit score do you need for Affirm?

Answer: Affirm is a bit different from traditional credit cards or loans. They offer point-of-sale financing, which means you can get approved for individual purchases right at checkout on various online stores. Now, when it comes to the credit score needed, the interesting thing is that Affirm doesn’t have a set minimum credit score for approval. Yep, you read that right!

But before you get too excited, there’s more to the story. While Affirm doesn’t strictly hinge on a specific credit score, they do evaluate your creditworthiness. They’ll look at various factors, including your credit report, your payment history, and other financial data you provide during the application. So, even if your credit score isn’t top-notch, other positive financial behaviors might work in your favor.

On the flip side, having a good credit score doesn’t guarantee approval. If there are other aspects of your financial profile that raise concerns, you might face some hurdles.

One cool thing about Affirm is that when you check your eligibility, they perform a ‘soft’ credit check, which won’t impact your credit score. However, if you decide to go ahead with a purchase using Affirm, they might do a ‘hard’ credit check, which can have a minor, temporary effect on your score.

In a nutshell, while your credit score is a factor, it’s not the only thing Affirm looks at. If you’re considering using their services, it’s always smart to understand your financial standing and use credit responsibly.

Stilt, Inc. and its affiliates do not provide financial, tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own financial, tax, legal and accounting advisors before engaging in any transaction.

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Frank Gogol

I’m a firm believer that information is the key to financial freedom. On the Stilt Blog, I write about the complex topics — like finance, immigration, and technology — to help immigrants make the most of their lives in the U.S. Our content and brand have been featured in Forbes, TechCrunch, VentureBeat, and more.

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