It was easy and I got approved and changed my mind then tried again and got denied... (I'm so indecisive). Tried again the next day and was approved. I have three payments left and I am looking to make another purchase. My credit score is fair so not sure why people with higher scores are getting denied. I say try it again.
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I used Affirm to buy an iPhone 6s when my 5 died. I have since paid it off, bought a Mini 4, and a laptop, so I feel like I'm qualified to give my opinion.
My loan still does not show on my credit report, which was the whole reason I replaced my laptop with Affirm. They will not consolidate loans period- I asked to have my iPad and laptop loans combined after they started reporting to the bureau. A flat 30% finance charge is easy to remember, and the payment percentages are nice, but really... Compared to other companies, the flat finance charge is almost insulting.
I don't regret using Affirm for my phone and tablet. I just wish the laptop loan was reported as an open account in good standing.
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