Affirm Pay Later Problems

Affirm denied me – 5 reasons they won’t approve

Affirm is a leading buy now and pay later payment provider. The San Francisco based company allows shoppers to spread the cost of their purchases over 6, 12 and 18 months. The benefit of Affirm is that the interest rate for large purchases can be as low as 10% as long as you pay the repayments on time.

However, some shoppers report that their Affirm payments are being denied at online checkouts. Some people have reported getting the following error “based on an eligibility check, we can’t create an account for you just yet”. Getting this message can be frustrating so we have investigated the most common reasons why Affirm payments get denied.

1. Affirm couldn’t verify your identity

The main reason Affirm usually denies payment is that their systems cannot verify who you are. To complete payment via Affirm the company must be able to confirm your identity so they can check that you are credit worthy. In most cases, your full name, address and phone number is enough to check your identity.

But what if these details are wrong? For example, if you’ve recently moved house or changed your name.

One reddit user found that they got denied payment as their maiden name was still on their credit report.

“It was because when I changed my last name after getting married, it did not go through on my credit report”

reddit user: u/costellocg

Before purchasing we recommend checking that details you use to pay for goods or services match what your bank has on file for you.

2. You bank is not listed

If Affirm requires more information you may be asked to confirm your bank. Unfortunately, not all banks are listed at this time. If you can’t find your bank then Affirm will not be able to complete your purchase. Affirm says they are continually adding more banks to their system.

3. You recently moved or changed address

Your postal address is an important piece of information that Affirm uses to match your identity. If Affirm is unable to link your postal address with an address on its system then your payment will be denied. Some users have found that when ordering items to an address other than their home, such as an office, then this has caused issues.

If you have recently moved home then you must update your customer records at your bank. We recommend checking these are correct before ordering online.

4. Lack of approved credit

When applying for Affirm it is important to be aware that the company will carry out a soft credit check. This won’t affect your credit score but it will check your credit risk as a borrower. Depending on the results of the soft credit check Affirm may deem you as not credit worth of a loan.

On the official website Affirm makes it clear that checking your eligibility will not affect your credit score. It is worth checking your credit score before applying to Affirm as their decision is often final. If your credit score is above average then this will reduce the chances of Affirm denying you.

5. Technical issue

We have heard people who appear to be eligible also having problems using Affirm on Walmart and other similar websites. You may find that you get the following error “affirm temporarily unavailable walmart”. If you have problems using Affirm on Walmart or any other well-known retailer then the reason could be a technical issue.

In most cases we recommend refreshing the page and trying the checkout process available later. If the problem persists you should try contacting the retailer. Don’t forget Affirm is not available on all products at Walmart.

More information can be found about paying with Affirm on

4 thoughts on “Affirm denied me – 5 reasons they won’t approve”

  1. I have experian for my credit report so when they went to check my credit I forgot to unlock it, well they said it will take up to 48 hours to unlock but that is not the case I was able to unlock my credit report right away but there was still nothing I could do about this is why they denied me..Very picky, make sure you have all your ducks in a row before trying to finance with them , this way your chances of getting the financing is much greater. Good Luck..Sezzle is another one, that one is very easy..”FYI”

  2. Larry Zurligen

    I was approved but every store says, “we can’t help you pay for this purchase now, check back in 29 days.” Why is that?

  3. Helen Nunnally

    Same thing happened to me Larry Zurligen and I’ve been using them for almost 2 years; oftentimes paying off before the end of the payment period! That’s ridiculous even after I provided all of my info as requested for verification.

  4. I’ve used Affirm often to protect my identity with my own cards. I have never been turned down. As late as this past Friday, I was approved for over $3,800. Monday I received a notice that they couldn’t verify my identity. Nothing changed from Friday to Monday! I’ve called twice and neither representative could explain. Needless to say, I won’t be using them any longer! Terrible customer service!

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