As part of the eligibility check and creditworthiness assessment, Affirm contacts the credit reference agencies, but this will not affect your credit rating or be seen by any other lender. We may ask you some questions about your personal circumstances and consider multiple factors to make a decision if our product will work for you and is financially sustainable. Even if you've passed our eligibility check and creditworthiness assessment, we reserve the right to refuse any application or to refuse a loan for certain purposes.

When creating an Affirm account and seeing if you qualify, a soft credit check is performed. Checking your eligibility won’t affect your credit rating.  If you decide to buy with Affirm, these things may affect your credit rating: making a purchase with Affirm, your payment history with Affirm, how much credit you've used, and how long you’ve had credit.

• Be a resident of the U.S. (including U.S. territories)
• Be at least 18 years old
• 19, if you're ward of the state in Nebraska and Alabama
• 21, if you're ward of the state in Puerto Rico
• Have a Social Security number
• Own a phone number that receives SMS and is registered to the United States or U.S. territories

Affirm’s website at affirm.com