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Bedtime Stories

The OkiOki Blog, useful reading material discussing the art of sleep.

Does Affirm do a credit check, and how does it impact my credit score?

Affirm does a “soft” credit check, which verifies the customer's identity but does not affect a customer’s credit score. Affirm's un...

How does Affirm approve borrowers for loans?

Affirm asks for a few pieces of personal information: Name, email address, mobile phone number, date of birth, and the last four dig...

Why was I prompted to enter my income?

Affirm may sometimes need more information about your finances and your ability to repay in order to make a credit decision. Your in...

Why was I asked to verify my identity?

If Affirm has difficulty confirming your identity, you may need to provide more information. Affirm uses modern technology to confir...

Why was I denied financing by Affirm?

The merchant has no information regarding a customer's financing denial. Affirm strives to offer all credit-worthy applicants financ...

Will I see how much interest I am paying prior to accepting my loan?

Yes! Affirm works hard to be completely transparent. You’ll see the amount of interest you’ll owe on the terms page and again on the...

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