Affirm will send you an email with more details about its decision. If it never shows contact them, but it should. The main reason Affirm usually denies payment is that their systems cannot verify who you are. We use dedicated people and clever technology to safeguard our platform. Step 3: Make easy monthly payments. If there is anything specific we can look into, please contact us at customercare@affirm.com. Having the same details across every financial institution you use will help Affirm verify your identity during the eligibility check. Disclaimer: Self does not provide financial advice. Never an issue before. And sometimes, affirm on amazon might not work because Affirm is not eligible for certain purchases, including digital purchases like Kindle books, movies, gift cards, Whole Food Market or Amazon Fresh orders and carts under $50. This company is horrible to deal with customer service is atrocious! Its not a very large purchase anyway (less than $200). While applying for a pay overtime plan, it considers different factors, which can change based on when you apply and where you are shopping. Therefore, ensure you have the latest version of the Affirm app. Sorry, this post was deleted by the person who originally posted it. So you can feel great about the things you buy, while staying true to your financially responsible self. like yeah, no, youre too likely to actually pay us back, no can do. I have purchased so much from Amazon and kept up with other bills. You'll need a good credit rating - probably a score of at least 550 - to apply for Affirm financing. It took major escalations on my part (with both Priceline and Affirm) to get the funds credited back to my VISA accountI will say this..Priceline, once I escalated to them, Assisted immensely in getting the funds back and feel they did the right thing.As for AFFIRM--nothing but troubleand poor customer support. Save my name, email, and website in this browser for the next time I comment. Keep in mind that you might be approved the next time you apply. Checked my bank account, the difference of the price was charged as it stated it would. You must have been calling the vendor. We will always think about possible mistakes or reasons for not being given the loan. I recently lost my job and wanted to inquire about a hardship plan while I am job searching and ALL the Affirm robots directed me to this coronavirus link where I had to answer two questions. How to get 10,000 points on Solitaire Cash? I have spoken to countless reps. emailed, called and everyone is useless. What does affirmed mean . By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. Create an account to follow your favorite communities and start taking part in conversations. Affirm is not eligible for certain purchases, such as Whole Foods Market or Amazon Fresh orders, digital purchases like movies or Kindle books, gift cards, and carts under $50. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Join our community, read the PF Wiki, and get on top of your finances! If you would like to dispute this claim further, please email customercare@affirm.com with the specific information you believe is being reported inaccurately, and someone from our team will be happy to take a look for you. I paid that off and now that my FICO Scores are getting close to 700 checked with Affirm to see what I qualify for and they said they couldn't offer me credit at this time. Less serious reasons for a decline might be an expired card or a purchase made in an unusual location, like while traveling. Were sorry to hear that your experience with us was less than desired, but if there is anything we can improve don't hesitate to reach out to us at customercare@affirm.com. Labeled Verified, theyre about genuine experiences.Learn more about other kinds of reviews. Your email address will not be published. You should get a written letter in the mail stating why you were denied (that's a legal thing, everyone has to do it). Affirm is basically a loan financing company. Coronavirus: If you're experiencing unexpected hardship due to the coronavirus, we're here to help please visit this page for more information. If that is your phone situation then yea that is definitely the problem, which is just dumb b/c in all honesty how important is the phone number anyway when it comes to verification? Goal Score: 800 By January Of 2012. Why did your customer service close my account with my old number? They will give you a solution to the problem and explain the reason for your rejection in case it is for another reason. All rights reserved. You don't have sufficient funds on your credit card. In addition, they may reject you if your income is below the minimum set by the lender. Lol BUT now that I have the ability to use affirm it's afforded me to make larger purchases in advance. We may earn small commission from the products mentioned in this post. However, when I went to sign in through Affirm, my bank is not listed. More details on software and accessibility are available at WebAIM.org. If you can't find the email, then: Confirm you're checking the same email account that you use for Shop Pay. Because a poor or unstable internet connection may prevent Affirm from working properly. After a few weeks, Affirm tells me its my responsibility to pay. They reported I had a balance to my credit when I had no balance and it was paid on time. I literally have no outstanding loans/debts, and THATS why they denied me? Terrible customer service! noun. Affirm only cares about serving themselves. There is no worse feeling than that of being turned down for a financial loan. Current Score 3-19-10: EQ 703 TU 712 EX No Clue. This usually happens in shopping centers such as Walmart, which are very busy. I want my freaking refunds that have been giving to me WEEKS AGO/ I sent affirm proof too that I was refunded to affirm and they still ignore it. Affirm will not be available on Amazon checkout for purchases that arent eligible. Paying on time can help you build positive credit history. Please reach out to us directly at customercare@affirm.com, and a member of our team will be happy to look into this for you right away. Press J to jump to the feed. We also ensure all reviews are published without moderation. I have used them since the pandemic started and will continue to do so because why not 0% APR is basically free money. You're welcome to try again in the future, but we're sorry if we can't meet your needs this present time. But, damn really 15 minutes later for the SAME product . Could be a glitch, could be an actual reason. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. 1. : to make a solemn declaration under the penalties of perjury in place of swearing an oath to which one conscientiously objects. They dont know how to freaking process refunds and credit card holds. I agree with other reviewers who complain about customer service. Affirm is no stranger to digital identity methods that prevent this and employs a range of techniques to verify its users and protect its merchant partners from sacrificing profits to theft. That number will never go up. You will know when the rejection comes from a system failure because you will see the message Affirm not available.. Know up front the total amount youll pay. Phone: 866-390-3118. Their customer support is basically useless during phone calls to them, pointing at Priceline as the issue. Call them on Monday. For example, if youve recently moved house or changed your name. Reddit and its partners use cookies and similar technologies to provide you with a better experience. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. Many factors affect your FICO Scores and the interest rates you may receive. And it just takes a minute and wont affect your credit score. One of the most common reasons for being declined is your personal details being wrong. They might be tightening their approvals. 91.195.53.16 We are committed to ensuring we support responsible spending. Customer satisfaction is our top priority, and we truly sorry for any inconvenience you experienced. These denials do not mean you will never be approved, but we hope you give us another opportunity in the future. Unfortunately, not all banks are listed at this time. I was trying to by something with Affirm to make payments monthly. With other companies, you have to pay fees on top of the item's price, but with Affirm, you purchase now and pay in fixed monthly payments over time. For more information, please see our Then, the installment plan is either approved or denied based on several factors. Affirm Products and Services Affirm Loans About prequalifying When you prequalify, you get an estimate of how much you can borrow. So, while purchasing anything, Affirm is applicable for that product. Currently, not all banks are available on Affirm. For more information, please see our That is true, but my bankruptcy was over 5 years ago and Affirm had approved me with no problems just last year. Affirm works with thousands of sites and stores. @Red1Blue wrote: It is common for GEMB to give that excuse when they decline the app. Depending on the results of the soft credit check Affirm may deem you as not credit worth of a loan. I was approved, given the 2 payment options (6 or 12 months) I chose 6. !Affirm is associated with Priceline when purchasing a trip as another way obtain Credit vs paying with your own bank cards.DO NOT USE THEM! There may be several reasons for that: An outage that hasn't been communicated yet via the Affirm status page. So, if you have moved or changed any of your last names due to marital issues, it is recommended that you correct the information. You can also contact Affirm customer support through Twitter at @Affirm. I'm stumped. If you'd like to make an additional payment, or an early payment you can certainly do so. You might be using the older version of the app, which may prevent it from working properly because of some bugs or some minor issues. The merchant has no information regarding a customer's financing denial. American Express Card. The San Francisco based company allows shoppers to spread the cost of their purchases over 6, 12 and 18 months.
