Affirm performs a "soft credit check" which will not affect your credit score! If you return to Affirm for future purchases, Affirm may run additional "soft credit checks."

Affirm tries hard to approve every purchase but sometimes can’t approve the full amount. When this happens, they provide a debit card down payment option so that you may still complete your purchase right away.

Affirm sometimes requires additional information to consider a credit application. Such information may include an active checking account, which helps Affirm verify your identity and your ability to repay the requested loan. If Affirm prompts you for this information but you are unable to provide it, Affirm will be unable to approve your credit application.