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Does Affirm Check Your Credit? What You Need to Know (2026)
Yes — but only a soft inquiry for most plans. Here is exactly what Affirm checks and when.
| Pay in 4 | Soft inquiry — does NOT affect your credit score |
| Monthly Plans | Soft inquiry only — still does not affect score |
| Credit Reporting | Monthly plans reported to Experian; Pay in 4 not reported |
| Minimum Credit Score | No published minimum — other factors considered |
What Does Affirm Actually Look At?
Affirm considers your credit profile, payment history with Affirm, income (if provided), and the size of the purchase. Affirm’s proprietary model means a lower credit score does not automatically disqualify you — especially for smaller purchases.
Will Applying for Affirm Hurt My Credit?
No. Affirm uses only soft inquiries, which never appear on your credit report and never affect your score — regardless of how many times you apply or whether you are approved.
FAQ
Can I get approved for Affirm with bad credit?
Many users with scores below 600 are approved for smaller purchases, especially Pay in 4. Larger monthly plans are more likely to require a stronger credit profile.
Compare BNPL options for bad credit.