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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 digits of your social security number. 

  • Affirm verifies your identity with this information and makes an instant loan decision. 

  • Affirm bases its loan decision not only on your credit score, but also on several other data points.  This means that you may be able to obtain financing from Affirm even if don’t have an extensive credit history.
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