What Credit Score Do You Need for Affirm?

If you’re looking to finance a purchase with Affirm, you’ll need to have a good credit score . Find out what credit score you need for Affirm and how to improve your chances of getting approved.

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Affirm is a financial technology company that offers installment loans to consumers. Affirm loans are repaid in fixed monthly payments over a set period of time, and they can be used for a variety of purposes, including home improvement loans, travel loans, and wedding loans.

In order to qualify for an Affirm loan, you will need to have a good credit score. The exact credit score required for an Affirm loan will vary depending on the specific loan you are applying for, but in general, you will need a score of at least 620 in order to be approved.

If you have a lower credit score, you may still be approved for an Affirm loan, but you may be required to provide additional information or documentation in order to qualify. If you have any questions about your specific situation, we encourage you to reach out to the Affirm team directly for more information.

What is a credit score?

Your credit score is a number that represents your creditworthiness. It is used by lenders to determine whether you are a good candidate for a loan and what interest rate you will be offered. A high credit score means you are a low-risk borrower, which makes you more likely to be approved for a loan and to receive a lower interest rate. A low credit score means you are a high-risk borrower, which makes you less likely to be approved for a loan and to receive a higher interest rate.

What is the minimum credit score for Affirm?

The minimum credit score for Affirm is 630, which is on the lower end compared to other lenders. This means that you may be able to qualify for an Affirm loan even if you have bad credit. However, keep in mind that your interest rate will be higher if you have a lower credit score.

How to improve your credit score

There are a few things you can do to try to improve your credit score before you apply for a loan with Affirm. Some credit card issuers offer free credit scores, which can give you a sense of where your score stands. You can also check your credit report for any mistakes that might be artificially lowering your score.

If you have a good income and solid employment history, you may want to try to get a co-signer with good credit to vouch for you. Another option is to find a cosigner with average or bad credit.

You may also want to try to find a lender that uses alternative methods of measuring creditworthiness, such as taking into account your rent payments or utility bills. These methods can be particularly helpful if you have little or no credit history.


In order to qualify for an Affirm loan, you will need a credit score of at least 550. However, the interest rate you receive will be based on your credit score, so it is in your best interest to try to get your score as high as possible before applying for a loan. You can check your credit score for free on websites like Credit Karma or Credit Sesame.

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