Breaking down Popular BNPL Options: How to Qualify for Affirm

Popular Buy Now, Pay Later Options

Are you looking to purchase something with a flexible payment plan? Affirm can be the perfect solution for you! It’s a great way to make a large purchase without having to pay the full amount at once. Qualifying for Affirm is easy and fast, and can help you manage your finances in a way that works best for you. With just some basic information, you can be approved for an Affirm loan in minutes. In this article, we will discuss the requirements to qualify for Affirm, as well as how to apply for a credit with this company. Read on to find out more!

What is Affirm?

Affirm is a financing solution that allows you to pay for purchases over time, including online shopping and in-store purchases. Applying for Affirm is easy – you can do it online and use the services for purchases at thousands of online merchants. You can choose to pay for your items over 6, 12, or 18 months with low monthly payments. 

The company works with a third-party credit reporting agency to determine your creditworthiness. If your application is approved, Affirm will report your payment activity to the credit bureaus, so you can begin to build or rebuild your credit.

Qualifying for Affirm

Affirm allows you to qualify for financing for a variety of different purchases. In order to qualify and take advantage of its many benefits, you’ll need to meet certain criteria, including having a valid government-issued ID, a U.S. bank account, and a valid U.S. address. These three criteria are the foundation for qualifying for Affirm, so if you don’t have them in place, you won’t be able to get financing. Let’s take a look at them.

Government-issued ID

First, you’ll need to have a government-issued ID. To qualify for Affirm, this ID must be current, valid, and show your name, date of birth, and address. Acceptable IDs include passports, driver’s licenses, and military IDs. If you’re applying for financing with a partner, you’ll only need one of the aforementioned IDs, not both.

U.S. bank account

Next, you’ll need to have a U.S. bank account. This account must be in your name and be a commercial checking or savings account. You can’t use a personal account, a retirement account, or a trust account. 

Affirm allows you to choose between two payment options. You can make monthly payments by linking your checking account to your financing and setting up automatic payments, or you can make one-time payments using a debit card. Your bank account must be linked to your financing account, so you can take advantage of these payment options. 

If you use automatic payments, you must have enough funds in your account to cover the monthly payment, or your payment will be returned. Likewise, if you choose to pay with a debit card, you must have enough funds in your account to cover the one-time payment amount.

Valid U.S. address

Finally, you’ll need to have a valid U.S. address. This address can be either a home or a business address, and it must be in the United States. Affirm accepts a wide range of valid U.S. addresses, including PO boxes. If you use a PO box as your address, you’ll need to provide a valid physical address during the application process.

How to apply for Affirm

If you’ve met the criteria to qualify for Affirm, you can easily apply for financing online. 

To begin the application process, head to the Affirm website and click “Get Started.” On the next page, click “Get Started Now,” and you’ll be prompted to fill out a brief application form. Once you’ve submitted your application, you’ll be notified within 24 hours if your financing request has been approved. Once approved, you can shop from thousands of merchants on Amazon, Shopify, Walmart, etc. and use Affirm to pay for your purchases over time. 


Affirm is a wonderful service that allows you to obtain the items you love even if you don’t have enough money. Affirm doesn’t have a strict application process, you just need to have a valid government-issued ID, a U.S. bank account and address. Apply for Affirm and enjoy its many benefits, including a simple application process, low interest rates, and the ability to pay over time!

Do you have an e-commerce business that accepts various ‘Buy Now, Pay Later’ options and increases sales? If your sales are growing, so does the number of transactions and challenges associated with accounting. It’s time to automate!

Synder Sync is an automated solution allowing you to sync transactions from all your connected sales channels and payment platforms and achieve one-click reconciliation. Automate your accounting and focus on growing your business!

Synder Sync banner

Comments 2
  1. Plaid does NOT list my U. S. Bank so I can NOT use the reality card that came in the mail, I can NOT shop in store, any info on how to rectify the issue.

    1. Hi Brenda, while we can help you with questions regarding our Synder software, it’s best to reach out to Paid for matters related to their platform.

Leave a Reply

Your email address will not be published. Required fields are marked *

You May Also Like