Do I need to have a credit card to use Affirm?

No, you do not need to have a credit card to use Affirm. Affirm is a flexible payment option that allows you to make purchases and pay over time without the need for a credit card. Instead, Affirm offers loans based on your creditworthiness and allows you to split your payments into manageable monthly installments. Affirm's underwriting process evaluates various factors such as your credit history and income to determine loan eligibility. By providing an alternative to credit cards, Affirm aims to make online shopping more accessible and convenient for individuals who may not possess or prefer not to use credit cards.