Affirm Credit Score For Approval

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Affirm is one of the leading companies offering buy now, pay later loans to consumers. Affirm won’t approve every application it receives due to the eligibility requirements the company has in place. Affirm does allow for reapplications in the event your application is denied.

What Credit Score Do I Need To Qualify For An Affirm Loan?

In order to qualify for an Affirm loan you will need a minimum credit score of 550. Affirm requires every consumer to create an account and in order to do so the consumer must meet the following criteria:

  • Be at least 18 years old.
  • Be a citizen or permanent resident of the US.
  • Minimum credit score of 550 or higher.
  • Have cell phone access and agree to text alerts.

If you meet these requirements you can create an online account with Affirm.

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Affirm Loan Approval Requirements

Beyond the minimum credit score requirement of 550, Affirm has additional requirements when considering a loan application, there include:

Eligibility Requirements

  • Have a Social Security number.
  • Be a resident of the U.S.
  • 18 years or older.
  • Have cell phone access and agree to text alerts.

Individual History

  • Credit use.
  • Credit score.
  • Duration of Affirm account existence.
  • Historical payment status with Affirm.
  • Bankruptcies.
  • Total amount of loans active with Affirm.
  • Validation of income and debt obligations.

If you meet the requirements outlined above your loan application at Affirm will most likely be successful. However, if you fail to meet the credit score requirement, consult a credit repair specialist to help drastically improve your credit score and then try again.

Bottom Line

Affirm has a minimum credit score requirement of 550 or higher  to register an account and apply for a loan. Affirm permits re-applications if consumers are initially unsuccessful. It is highly advised to consider consulting a credit repair specialist like Credit Sage, they can streamline rebuilding your credit score and dramatically boost your loan viability.

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