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ID Verification

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Affirm FAQ's

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Affirm

Flow of Process

What are Affirm's Terms? Loan Amount: Up to $30,000

Term Length: Up to 36 Months

APR: 0%-29.99% Application Time: 5-8 Minutes Pre-Payment Penalties? No Pre-Payment Penalties

$0 Down Financing? Can be $0 Down Financing IF there is NO Deposit Needed

Affirm Support:

855-423-3729⁠

- Affirm Support Line open 8 am - 11 pm EST

https://www.loom.com/share/ae7def87b81e4c6187c57d03db48c01a?sid=cfc7f732-30b9-49a7-aa19-9e7113b2e2ca⁠

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[START HERE]: Have Applicant Create an Account with Affirm First!

[IF YOU MISS THIS STEP, IT’LL REDUCE APPROVALS BY 50%]

1. Get Applicant to Create an Affirm Account FIRST!

Ask your client to go directly to

affirm.com⁠

through their browser

Have applicant tap: Sign Up

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2. Have Applicant Enter Their Phone Number

“Sweet so once you click on the sign up - it’s going to ask you for your phone number. Please put in your phone # that can receive texts! You can just put that in! Please make sure the phone number you are using if the person who is actually applying!”

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3. Have Client Create an Account using LEGAL First Name & Last Name (What is on Drivers License)

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4. Have Applicant put in Address that MATCHES THEIR DRIVERS LICENSE

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5. Put in their Annual Income (Higher the Income - Better the Approvals)

MAKE SURE THEY STOP BEFORE PUTTING IN INCOME & LET THEM KNOW TO →

Tell them that it’s their gross income, so before taxes. Should be around 20% more than what hits their bank account

[NOTE] Ignore what Affirm says is their purchasing power - it is not accurate

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[NOTE] IGNORE what Affirm says is their purchasing power - it is not accurate

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6. Have Applicant Check Profile Information (MAKE SURE THESE FIELDS ARE FILLED OUT)

Next step is to go to their profile settings by tapping their initials up in the top right & Have them fill in all information such as if they are not already filled out:

Birthday, Address (that matches their ID), Email, Annual Income

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Step 2: Create Application Link to Send to Applicant

1. Log into CopeCart - Hover Over the Correct Product → & Click Phone Offers

(To change product amount → Go to: One time payment → Change amount)

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2. Get Applicant’s Address Data & Fill this Out (DO NOT PUT YOUR INFO - THIS SHOULD MATCH INFO OF ACTUAL APPLICANT)

Keep in mind, the information here should 100% match the info of the client who is applying. Ex: Wife & Husband → But Wife is going through application → DO NOT USE HUSBANDS INFO here

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3. Click on Send Form for Payments

DO NOT CLICK ‘Fill Buyers Payment Method’ - This will save you a ton of time!

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4. Select the Affirm & PayPal Credit & Klarna → Confirm

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5. Take Link and SEND to Applicant

DO NOT FILL OUT THE ACTUAL APPLICATION FOR THE CLIENT - They must be using their own devices or you will run into ID Verification Issues since they track IP Address. Best Practice: Don’t use spouses phone/computer to apply

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Step 3: Walking Client Through the Affirm Application

This is what the APPLICANT WILL BE SEEING!

Step 1. Walking Client Through Application (FOLLOW THESE STEPS FOR HIGHER APPROVALS)

“Hey ____, so when going through the application - can you wait before submitting anything or moving onto the next page. I will go through it with you to make sure this is super smooth & easy - there are a few things I want to look out for. Once you click on the link I sent - click on the box that says ‘Affirm’

What Client See When Clicking on Link:

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Step 2. Have Client Input Phone Number to Receive Text Verification Code

“Sweet so once you click on the Affirm box through the link - it’s going to ask you for your phone number. Please put in a phone # that can receive texts! You can just put that in!”

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***You may run into where the client needs to upload a picture of their ID (MAKE SURE IT IS NOT BLURRY or HAVE ANY GLARE)***

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ID Verification Walkthrough

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If an Affirm Account was Created BEFORE THE APPLICATION - It will redirect this step!

Step 3: Choose Payment Plan

If an Affirm Account was Created BEFORE THE APPLICATION - It will redirect them to THIS STEP! THIS IS NOT WHAT THEY ARE APPROVED FOR!!!! We don't know if they're qualified at this point. This part is essentially just to get client to pick term length. Let client know this is not what they are approved for - this is just to select the term length!

(Have them choose the longest term length for lower monthly)

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Keep in mind - if they see a plan, this does NOT guarantee that they are receiving this offer specifically

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Step 4: Filling Out Additional Information (Last 4 Digits of SSN)

Have them move on and complete the next steps (STILL NOT APPROVED YET)

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***You may run into where the client needs to upload a picture of their ID (MAKE SURE IT IS NOT BLURRY or HAVE ANY GLARE)***

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ID Verification Walkthrough

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Step 5: Fill out card info

MAKE SURE THEIR BANK OR CARD INFO IS IN THE NAME OF THE PERSON WHO IS APPLYING! DO NOT USE SPOUSE OR DIFFERENT BANK ACCOUNT! This page will show if your applicant got approved & for what terms.

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[LAST STEP] Once Completed - Confirm Transaction is Complete

→ Go to ‘Transactions’ Tab on Cope Cart Portal [ONLY VERIFY USING TRANSACTIONS PORTAL]

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You might have to wait 3-5 minutes before it populates.. BUT, you will see Order ID - Click on most recent transaction’s Order ID hyperlink & see if the information aligns with the person you are talking to!

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