When you check if you qualify for an Affirm loan, Affirm performs a “soft credit check.” This will not affect your credit score. If you return to Affirm for future purchases, Affirm may run additional “soft credit checks.” 

If Affirm approves your loan, you'll see your loan terms before you make your purchase. You will see exactly how much you owe each month, the number of payments you must make, and the total amount of interest you’ll pay over the course of the loan. There are no hidden fees.