While it may seem like credit score alone should guarantee approval or low interest rates, Affirm’s approval process doesn't rely solely on credit scores, and we don’t have visibility into or control over their specific criteria.
In fact, Affirm has moved away from using strict credit score thresholds in their decisions. Instead, they use a proprietary system that may factor in:
Your current debt-to-income ratio
Your repayment history with Affirm (if any)
Recent credit activity
The size and type of your loan request
Whether you’re prequalified or applying fresh
Even internal fraud or risk checks
This means that two people with similar high credit scores can receive very different outcomes, one might get 0% APR, while another may be offered a much higher rate, or be denied altogether.