No, your credit won’t be affected when you create an Affirm account or check your eligibility (including checking your pre-qualification eligibility). When you apply for or check to see if you prequalify for Affirm financing, it’s considered a soft inquiry, which does not affect your credit. If you decide to pay with installments through Affirm, your payment plan and repayment activity may be reported to credit bureaus. You can find more information on Affirm’s Help Center

To apply, you must meet these eligibility requirements: Affirm customers must: Be a resident of the U.S. (including U.S. territories) Be at least 18 years old (19 if you’re a ward of the state in Nebraska) Have a Social Security number Own a phone number that receives SMS and is registered to the United States or U.S. territories

The easiest way to manage your payments is through your account on affirm.com or in the Affirm app. Once you sign in, you’ll be able to see your payment schedule and turn on AutoPay. Rates from 0–36% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. For licenses and disclosures, see affirm.com/licenses. For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR.

Your purchasing power is an estimate of how much you can spend with Affirm at the time of purchase and it’s not a guarantee. You’re not on the hook to pay back this amount until you confirm your loan at checkout.