Credit Card Center Advertiser Disclosure

Reply
Established Contributor
Posts: 610
Registered: ‎01-02-2008
0 Kudos

Re: Affirm Financing


djescobar973 wrote:

I see. Either way I wouldnt attempt such a large purchase on a mobile app anyway. Thats just me l;ol. 


LOL I hear ya! I have bought some scuba tanks using it ($800) but I did it from my computer. 

Member
Posts: 14
Registered: ‎03-01-2016
0 Kudos

Re: Affirm Financing

I just purchased some DJ gear and it was approved right away. The APR is a little high but Id prefer paying a little more to avoide a hardpull anyway. They even offered other loans from past purchase. I believe they scan your bank account. but I havent thought about that yet. 

Established Contributor
Posts: 610
Registered: ‎01-02-2008
0 Kudos

Re: Affirm Financing


djescobar973 wrote:

I just purchased some DJ gear and it was approved right away. The APR is a little high but Id prefer paying a little more to avoide a hardpull anyway. They even offered other loans from past purchase. I believe they scan your bank account. but I havent thought about that yet. 


Nice! Yea they used to offer that with the bank account. Now they took that away to do the mobile option. I prefer the bank option myself as I am not impressed with the mobile yet. 

Valued Contributor
Posts: 1,060
Registered: ‎03-10-2015

Re: Affirm Financing


Officer737 wrote:

ladym2011 wrote:

I still still cannot get it to work for me Smiley Sad

 

 

 

Affirm.PNG


If you are using their new App to use in stores and such I think they are still working the bugs out of it. I tried a few different ones yesterday and got the exact same message, logged into my Dive Right IN Scuba account and added a regulator set to my cart, did the check out with Affirm and it said approved that way........think they are still transitioning 

 


I didnt know they had an App but this was done on the website. I will try again at a later date. I have my eyes on a new purse Smiley Happy

Previous Scores 02/29/2016: TU FICO: 752 | EQ FICO: 710 | EX FICO: 721
Curent Scores 03/27/2016: TU FICO: 754 | EQ FICO: 713 | EX FICO: 725
Lowes $35K | Walmart $25K | Stash Visa $25K | NFCU CashRewards $22K | NFCU LOC $15K | PenFed Visa $15K | |Total CL: $181,700
Headed to the garden: 10/2017

New Visitor
Posts: 1
Registered: ‎03-20-2016
0 Kudos

Re: Affirm Financing

The score they showed on my denial due to not proving request info. Was the same as my tu score so I'd assume it's soft pull from tu.
Established Contributor
Posts: 765
Registered: ‎01-31-2009
0 Kudos

Re: Affirm Financing

FYI: Starting with new accounts established AFTER July 1, 2016, Affirm will now reports to the CB's. Smiley Mad

Another one bites the dust.

May 2013 Starting Scores: 540's-570's
July 2016 Scores: 654-705 ...No Lates, CA's or CO's, new car + high Util
Current Cards: SDFCU Secured ($300); Logix Secured ($500); Tobyhanna/Penfed FCU ($5000); NFCU CLOC ( $15,000); NFCU Refi ($18,144) Sony Visa ($3000); Apple PC'd to Rewards MC ($1200); Barclay Rewards MC ($1300); B&N ($500); Discover ($1000); 'Credit Steps' ($2300), QS One ($750);Care Credit ($9000); US Bank Platinum ($5000); Fifth Third SU2C ($3000); Kay's/Jared's ($4700); Target ($2000); Fingerhut/Gettington ($2250); **All my favorite retail cards ($61,000)..Luv'Em..they get heavy use!
Highlighted
Valued Contributor
Posts: 1,226
Registered: ‎10-17-2014
0 Kudos

Re: Affirm Financing


toi34 wrote:

FYI: Starting with new accounts established AFTER July 1, 2016, Affirm will now reports to the CB's. Smiley Mad

Another one bites the dust.


Thanks for the heads up.  I had my eye on another watch but will take a different path now.



Member
Posts: 14
Registered: ‎03-01-2016
0 Kudos

Re: Affirm Financing

I would still go for the watch. Sounds like you already have an account so that technically isn't a new account. 

Established Member
Posts: 21
Registered: ‎07-19-2016
0 Kudos

Re: Affirm Financing

I used it for JemJem and Gazelle where Affirm paid them directly. On one I had to put a down payment and the transaction was smooth with no hard pulls.
Senior Contributor
Posts: 4,277
Registered: ‎11-11-2015

Re: Affirm Financing

Affirm is not something I would use. But my sister does.

 

They now report to Experian once you open your account.

AMEX BCP $9000- DCU Platinum $10000- PenFed Power $11000- Chase FU $11700- AMEX EDP $15000- NFCU CLOC $15000- Chase CSP $18900- Discover IT Miles $20000- Penfed Promise $25000- NFCU Go Rewards $27100- Venture $27750 **As of 10/17/17** EX- 760(13) TU- 759(12) EQ- 730(14) UTI 5%- Clean Files

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.