Financing


We are proud partners with Affirm allowing our clients the flexibility to pay their invoice over time.

Learn More or Get Started HERE!!!

There are a few key factors for approval.
  1. Credit history and score: While Affirmreports have approved borrowers with scores as low as 550 for smaller purchases, a score of 640 or higher offers better odds for larger, longer-term loans. Affirm conducts a soft credit check that does not impact your score when you prequalify or apply. Your overall credit history, including your credit utilization and debt-to-income ratio, is also considered.
  2. Payment history with Affirm: If you are a returning customer, having a history of successful, on-time payments for previous Affirm loans will significantly improve your chances for a large loan. Missed or late payments with Affirm can negatively affect your eligibility.
  3. Income and debt obligations: For large loan requests, Affirm may require verification of your income to better understand your financial situation. They will assess your ability to repay the new debt by reviewing your income and existing debt obligations.
  4. The size of your loan request: Affirm notes that smaller loan amounts generally have a higher chance of approval. Given that $20,000 is the highest amount offered, the requirements for approval will be more strict. A down payment may also be required for a loan of this size.
  5. Application details: Ensure all of your personal information, such as your address, phone number, and Social Security number, is up-to-date and accurate. Affirm checks this information against public records for verification. 
How to increase your chances of approval
  • Check your credit: Review your credit report to understand your current score and check for any potential errors. Work to pay down other debts and avoid making new credit inquiries before you apply.
  • Prequalify first: Before making a purchase, you can see if you prequalify for a loan through the Affirm app or website. Prequalifying only uses a soft credit check, so it will not hurt your credit score.
  • Verify your income: If prompted by Affirm, provide income verification to give them a clearer picture of your ability to repay a large loan.
  • Establish a good payment history: If you have not used Affirm before, start by making and successfully repaying smaller Affirm loans to build a positive payment history.
  • Be prepared for a down payment: If you cannot get approval for the full amount, be ready to make a significant down payment to reduce the financed amount.