The good news is you can get approved by Affirm, as long as your credit score is 640 or above. Since they conduct a soft inquiry, applying for a loan with Affirm won't affect your score.

Is it hard to qualify for Affirm?

How to qualify: Affirm doesn't have a minimum credit score requirement, but it will perform a soft credit check. It also takes into account any prior payment history with Affirm, how long you've had an Affirm account and the merchant's available interest rate.

What is the minimum score for Affirm?

You need to have a credit score of at least 550 to qualify for an Affirm loan. But other factors like income, employment and your debt-to-income ratio (DTI) can also affect loan applications.