topic Re: Affirm in Personal Finance

Affirm

AWill71i — Tue, 29 Jun 2021 08:43:12 GMT

What kind of credit score do you need to have get the 6 and 12 month loans from Affirm? And what credit bureau are they pulling from?

Re: Affirm

Brian_Earl_Spilner — Tue, 29 Jun 2021 12:49:33 GMT

It depends where you're buying from. Bigger, well-known stores tend to be harder. Using a virtual card will give you a smaller limit usually. In my case, I bought from Motorola and got $1500 for 12 months at 0% with a sub-600 score. Prequalifying elsewhere might only show $750 and no promotional rate at the same time.

Re: Affirm

Anonymous — Tue, 29 Jun 2021 14:03:09 GMT

Affirm is soft pull until you make the purchase. You can download the affirm app and shop all of their partners with only a soft pull. It will show you the amount you are approved for, the term and the rate for each partner store.

Re: Affirm

TattnallTrio — Sat, 03 Jul 2021 19:40:17 GMT

Affirm soft pulls experian and also uses a system that soft pulls TransUnion for additional identity verification.
They never do a "hard pull" and only

reports to Experian as a Consumer Finance installment account.
They may have lowered their guidelines now that the economic uncertainty is over.
The amount you're qualified for

depends on the merchant, as well as your income and payment to income, along with your history with Affirm and may vary between merchants.