I like these guys. For those considering Affirm, you should know that your credit score should be over 600 to be approved at the very least (not a guarantee however). Affirm does monitor how frequently you use their services. If you use too frequently without a strong payment history with them, you will likely be denied. If you have high credit score, but have a history hazardous spending, you'll also be denied. But if you have a pretty balance payment, credit use history, you will likely be approved. Keep in mind, their interest rate isn't the best - it's pretty high in my opinion, but if you buy something you know you can pay off pretty quickly, this option isn't too shabby.
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Most Helpful Negative Review
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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**Annual Percentage Rates, terms of loan, and monthly payments presented are estimated and were created based on analysis of information provided by the consumer and available rate information from lenders. While efforts have been made to maintain accurate information, the loan information is presented without warranty and the estimated APR or other terms presented do not bind any lender. Lenders generally have a range of available APRs (for example, a lender’s range might be 2% to 12%) and only borrowers with excellent credit will qualify for the lowest rate available. Your actual APR will depend upon factors evaluated at the time of application, which may include credit score, loan amount, loan term, vehicle information, credit usage and history. All loans are subject to credit review and approval. Additionally, model year, loan-to-value, minimum loan balance mileage, income, debt, etc. restrictions may apply. When evaluating offers, please review the lender’s Terms and Conditions for additional details.