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How will this affect my credit report?

Updated over 2 months ago

When you check your eligibility for Affirm financing, it will not affect your credit score. Affirm uses a soft credit inquiry for prequalification, which won’t show up on your credit report or impact your score.

If you decide to move forward with a payment plan and complete your loan agreement, a hard credit inquiry may be performed, depending on the plan you select. This type of inquiry may appear on your credit report and could have a small impact on your score.

Once your loan is active, Affirm may report your payment history to credit bureaus, so on-time payments can help build your credit, while missed payments could negatively affect it.

For more details, visit affirm.com/help.

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