As part of the eligibility check and creditworthiness assessment, Affirm contacts the credit reference agencies, but this will not affect your credit rating or be seen by any other lender. We may ask you some questions about your personal circumstances and consider multiple factors to make a decision if our product will work for you and is financially sustainable. Even if you've passed our eligibility check and creditworthiness assessment, we reserve the right to refuse any application or to refuse a loan for certain purposes.

When creating an Affirm account and seeing if you qualify, a soft credit check is performed. Checking your eligibility won’t affect your credit rating. If you decide to buy with Affirm, these things may affect your credit rating: making a purchase with Affirm, your payment history with Affirm, how much credit you've used, and how long you’ve had credit.

To check your eligibility to use Affirm, you’ll need:

• To be 18 years of age or over
• To be a resident of the United Kingdom
• A valid UK Driving Licence or Passport
• A UK bank account which supports direct debit or a debit card
• An SMS-capable UK phone number
• To meet the minimum cart size required to use Affirm at checkout.

Fees - We don’t charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account.

Interest - Depending on the size of your purchase and where you’re shopping, your payment plan may include interest. You’ll never owe more interest than you agree to on day one—so you always know exactly what you’re getting into.

Visit Affirm’s website at help.uk.affirm.com.