Your Affirm account is created using your name, email, mobile phone number, birthday and last 4 digits of SSN. This combination helps Affirm verify and protect your entity. 

You can pay your Affirm bills online at www.affirm.com/pay. They accept payment by debit card, bank transfer and check.

Yes, when you first create an Affirm account, Affirm perform a 'soft' credit check to help verify your identity and determine your eligibility for financing. This 'soft' credit check will not affect your credit score.

Affirms tries hard to approve every purchase but sometimes can't approve the full amount. When this happens, Affirm provides a debit card down payment option so that you may still complete your purchase right away.

Affirm sometimes requires additional information to consider a credit application. Such information may include an active checking account, which helps Affirm verify your identity and your ability to repay the requested loan. If they prompt you for this information but you are unable to provide it, Affirm will be unable to approve your credit application.