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Affirm Financing

Established Contributor

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. 

Message 31 of 53

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. 

Message 32 of 53
Established Contributor

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. 

Message 33 of 53
Valued Contributor

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

Message 34 of 53
New Visitor

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.
Message 35 of 53
Established Contributor

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!
Message 36 of 53
Valued Contributor

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.



Message 37 of 53

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. 

Message 38 of 53
Established Member

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.
Message 39 of 53
Highlighted
Senior Contributor

Re: Affirm Financing

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

 

They now report to Experian once you open your account.

NFCU Platinum $7300- AMEX BCP $9000- PenFed Power $11000- Chase FU $11700- DCU Platinum $15000- Care Credit $15000- AMEX EDP $15000- NFCU CLOC $15000- Chase CSP $18900- Discover IT Miles $20000- Penfed Promise $25000- NFCU Go Rewards $27100- Venture $28750 **As of 12/9/17** EX- 756(16) TU- 775(15) EQ- 742(15) UTI 8%- Clean Files
Message 40 of 53