How do Affirm eligibility checks and creditworthiness assessments work?

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.