EXCLUSIVE: Affirm Rebuilds Underwriting to Approve Borrowers a Credit Score Can't See

Affirm has deployed a transformer-based real-time underwriting model at U.S. checkouts that can approve consumers its prior models would have declined, including shoppers with limited credit histories or no FICO score. The rollout could expand Affirm's addressable borrower base and checkout conversion, though the article provides no figures on approval-rate improvement, loan volumes, or credit-loss implications.