Shopmonkey allows you to promote Affirm financing directly within Shopmonkey Estimates.

With Affirm pre-qualification links, customers can check what they may qualify for before approving work—right from the estimate. This can help reduce upfront cost concerns and allow customers to better understand their payment options.

How It Works

When Affirm is enabled:

1. You send an estimate to your customer via SMS or email
2. If the estimate meets the minimum amount (typically $50+), an Affirm pre-qualification link appears
3. The customer sees messaging such as:
   • “As low as $X/month with Affirm”
4. The customer can select the option to pre-qualify in real time
5. After reviewing their pre-qualified amount (purchasing power), they return to the estimate to approve or decline services

What Affirm Pre-Qualification Means

Pre-qualification is:

• A fast way for customers to check their pre-qualified amount (purchasing power) before approving work
• A soft credit check (no impact to their credit score)

Pre-qualification is not:

• A final loan approval
• A guarantee of financing or specific terms
• A commitment to use financing

Final approval and loan terms are determined by Affirm if the customer chooses to complete their purchase using Affirm during the payment process.

Pre-Qualification Link Benefits

• Customers understand their options earlier in the process
• Customers who pre-qualify may feel more comfortable moving forward with recommended services
• Support conversations around larger repair estimates

Best Practices for Using Affirm Pre-Qualification Links

Set expectations early - Let customers know financing is available:

• “You can check flexible payment options (purchasing power) right in the estimate—no impact to your credit.”

Position it as a tool, not a commitment - Encourage customers to explore options: 

• “You can see what payments might look like before deciding.”

Avoid overpromising - Be clear that:

• Financing is not guaranteed
• Final terms come from Affirm

Frequently Asked Questions: Affirm Pre-qualification

Q: If a customer pre-qualifies for Affirm, are they guaranteed to be approved?

A: No. Pre-qualification is only an initial eligibility check and does not guarantee approval. Customers must complete Affirm’s application during checkout, where final approval and loan terms are determined.

Q: Does checking eligibility affect the customer’s credit score?

A: No. Affirm pre-qualification uses a soft credit check, which does not impact credit scores.

Q: Is the customer required to use Affirm if they pre-qualify?

A: No. Pre-qualification does not obligate the customer to apply for or use financing.

Q: Can customers still pay another way?

A: Yes. Affirm is optional - customers can use any of your existing payment methods.

Still have questions? Feel free to reach out to us through the chat icon. Thanks for reading!