Fair lending with Affirm

Fair lending with Affirm

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Fair lending applies to the entire life cycle of a loan, including advertisement of the credit product. ECOA is a regulation that implements fair lending laws. Fair lending means:

•Treat similarly situated individuals similarly

•Avoid discouraging individuals from applying

•Retailers cannot impose additional application requirements to the Affirm application process

•Target a broad demographic

•While a retailer may be inherently attractive to a particular demographic, the retailer should avoid targeting Affirm financing on a prohibited basis. Prohibited bases include:




•National origin


•Marital status

•Age (provided the applicant has the capacity to contract) 

•Income dependency on a public assistance program