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Or the most per month i'm qualified for? Choosing Affirm as a payment option at checkout and seeing whether you are eligible will not affect your credit score. Before purchasing we recommend checking that details you use to pay for goods or services match what your bank has on file for you. You can download the app on the Google Play Store and the Apple Store. Select the payment plan that works best for you four interest-free payments every two weeks or monthly installments. Monthly payment plans may charge interest. Discover high-quality, stylish clothes and accessories in every size for every occasion. Split Pay is Affirms most straightforward plan and mirrors the classic pay-in-four structure common with BNPL loans. Shop Pay offers you the option to pay in full at checkout, or to split your purchase into regular payments with Shop Pay Installments, both online and in store. When evaluating offers, please review the financial institutions Terms and Conditions. At the time my FICO scores were around 650. You may also receive a sign-up bonus or access to a rewards program. Shop at your favorite online stores that accept Amazon Pay and offer Affirm as a payment method. I dont understand why I was denied even though I work at Walmart. Good Luck..Sezzle is another one, that one is very easy..FYI. If you arent approved, youll receive an email explaining why. I literally have no outstanding loans/debts, and THATS why they denied me? This four-step process can ease you from dry land to open waters. It was because when I changed my last name after getting married, it did not go through on my credit report. Each loan application is considered separately. I can only spit nails about Affirm - somehow they gained access to my information because I NEVER wanted them in the first place. Reclaim your financial freedom and speak with a live credit specialist for your free consultation. There are lots of services which will let you check your credit scores, you can even check for free using Credit Karma. Note: Affirm financing is currently available in the U.S. only. However, we have seen other websites give ranges between 550 and 640. I never had a problem for the past years. Choose Pay in 4 for everyday purchases, or choose monthly installments for higher-ticket items. Whether or not Affirm has an effect on your credit score depends on a variety of factors such as the type of loan and your payment history. Dont qualify for a credit card: Qualifying for a BNPL plan could be easier than qualifying for a credit card, especially for borrowers who dont have an established credit history. I went to go sign up for the 30 day in home trial for the bike and when I was done filling out the application with affirm, I was denied because they couldnt verify my identity. It possibly could also be my complicated address maybe? NerdWallet does not receive compensation for our star ratings. They will lose business this way! PayPal on the other hand, has me as Jane Smith. (Getty Images). For more information, please see our However, this does not influence our evaluations. It tells me that we are on the right side of history and they know it. Once approved, you can save this card to your mobile wallet and use it to check out at a physical store (or online, too). Prequalifying means you will know what your spending limit is before making a purchase. When I asked if it could be bcuz of my name & asked if I could try again if I changed my legal name, she refused to say anything & ended the convo. You need to provide a good reason for your lack of interest in my problem. At checkout, choose Affirm and enter a few pieces of information for a real-time eligibility decision. Affirm will display all available repayment terms when you check out. If you are dealing with credit and debt issues, you should contact a local attorney regardless of your use of our service. With a credit score of 640 or higher, you possess more freedom when it comes to the amount you can spend on a purchase..