I think Im going to use Klarna instead to many road blocks dealing with Affirm (its frustrating and a head ache). Affirm Account Management My identity could not be verified There are a series of factors that we check to prevent unauthorized users from creating accounts or taking out loans in your name. Hopefully, the above article might have helped you to know how to fix the Affirm not working issue easily. helpcenter.affirm.com/s/article/loan-approvals. Could be a glitch, could be an actual reason. 1 year ago Updated The merchant has no information regarding a customer's financing denial. Oh, and don't forget, you need a decent credit score too. We'd like to take a closer look at the issue here. If you would like to speak to a member of our team about the loan terms you agreed upon, or would like further assistance you can always do so by giving us a call at (855) 423-3729. Hi Tiffany. Shop Credit Cards Balance Transfer Cards Reward Cards Travel Cards Cash Back Cards 0% APR Cards Business Cards Cards for Bad Credit Cards for Fair Credit Secured Cards Credit Card Articles Credit Card Calculators . It goes against our guidelines to offer incentives for reviews. We encourage to continue working with the merchant, but if there is anything specific we can look into, please contact us at customercare@affirm.com.Affirm Customer Care, I WILL NEVER USE THIS TRASH COMPANY AGAIN I SENT AN ITEM BACK TO AMAZON AND AFFIRM KEEPS SAYING I OWE THEM WHEN I ALREADY RETURNED ITEM AMAZON ISSED ME A REFUND AND AFFIRM IS NOT TRYING TO GIVE ME A REFUND THIS COMPANY IS TRASH I I HOPE THEY GO OUT OF BUISNESS, 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. However, you can always contact the Affirm help system. by: Anonymous . They would not even let me pay on the phone. Can Power Of Attorney Transfer Assets To Agent? Its 10 years old & falls off next month. Reddit and its partners use cookies and similar technologies to provide you with a better experience. Does anyone with Affirm know if Im able to reapply and if so when. Affirm helps you make simple monthly payments for the things you love. I concur with others about the canned responses. nomdebombe 8 yr. ago Here is the response they gave me when I told them that I didn't understand why I was being denied: "Thanks for trying to use Affirm. This is the worst company and very unprofessional. It is incredibly frustrating. In the case of Affirm, there are different reasons why this kind of loan is usually rejected. Therefore, ensure you have the latest version of the Affirm app. Affirm only cares about serving themselves. The content on this page provides general consumer information and is not intended for legal, financial, or regulatory guidance. . For example, if youve recently moved house or changed your name. If you cant find your bank then Affirm will not be able to complete your purchase. Its not a very large purchase anyway (less than $200). How should we know? Affirm prompts you to enter a few pieces of information: Name, email, mobile phone number, date of birth, and the last four digits of your social security number. This is the main reason why Affirm users are usually rejected. 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. I made a payment, and they pulled the money from the wrong account. It is impossible to know exactly what credit score Affirm require. DO NOT TRUST THEM! Shop at thousands of stores STORES Travel Electronics Home & furniture Auto Luxury Fitness & gear Wedding Accessories Events & Experiences Apparel Shoes Toys & games Beauty & health Black-owned businesses Walmart.com Big savings on gaming! At least it said it was a soft inquiry and wont affect my credit like hard inquiries do. 2. : to uphold the judgment or actions of a lower court. Now they only approve me for $90. Less serious reasons for a decline might be an expired card or a purchase made in an unusual location, like while traveling. Transparent. Denied to many inquiries. Press question mark to learn the rest of the keyboard shortcuts. Ive been having problems for 6 months now updating my phone number and verifying my identity with Affirm (update links never came and when it finally did you get a technical error) Their updating information process is horrible and while their customer service staff tries to assist, they often cant really help you. The benefit of Affirm is that the interest rate for large purchases can be as low as 10% as long as you pay the repayments on time. Affirm still denies me for identify info..the only pay as you go website Ive ever had problems with getting approved. If it never shows contact them, but it should. Required fields are marked *. Final Words: So, here are the solutions to fix the Affirm not working issue. I will by no means be liable for bills you will not let me pay. Likewise, you must remember that Affirm validates loans based on the users history with the platform. Depending on the results of the soft credit check Affirm may deem you as not credit worth of a loan. , , Example: , Thai Definition: . 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. Affirm is a scam and a money racket. Prequalifying means you will know what your spending limit is before making a purchase. My credit score is in the mid 700s and I was just denied for a loan for a $200ish set of tires for my motorcycle. Because a poor or unstable internet connection may prevent Affirm from working properly. Visa. After youve filled your cart, select Affirm at checkout. I literally have no outstanding loans/debts, and THATS why they denied me? A couple of years ago I used Affirm to buy a Peloton. In this case, refresh the page and try the process again. Box 5717. @Red1Blue wrote: It is common for GEMB to give that excuse when they decline the app. (CH 13) I didnt think Affirm even looked at that since it seems they didnt before. You're welcome to try again in the future, but we're sorry if we can't meet your needs this present time. Unfortunately, not all banks are listed at this time. If you dont know your credit score then find out. 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. Doesn't that seem strange? FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Why would you deny me if I was pre-approved? At the time my FICO scores were around 650. I called Affirm and they confirmed I had no balance but they still confirmed with my credit that I had a balance when I tried to dispute it. affirmance. The credit can be paid off by the buyer through fixed monthly payments over time. Here are the top 5 reasons you may have been declined. While applying for a pay overtime plan, it considers different factors, which can change based on when you apply and where you are shopping. It's definitely losing customers for the stores they work with denying people for no reason and no explanation. Same thing is happening to me. Affirm is no different than any other line of credit. Are you kidding me! I t is possible that your order may be declined, even if the order amount is less than your estimated spending limit, as Afterpay uses a variety of factors to determine approval of orders. Or is Affirm down? Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Select the payment schedule you like best, then confirm your loan. Once you get the chance, please respond to that message and we'll take it from there. Some people have reported getting the following error based on an eligibility check, we cant create an account for you just yet. Learn more. Had I known before I applied that I could not change the due date, I would have selected the due date. One of the most common reasons for being declined is your personal details being wrong. I had sent back an item for a refund. Thank you for taking the time to share your feedback. Currently, not all banks are available on Affirm. Thanks! You need to speak to a supervisor in order to get actionable assistance. 2023 Trustpilot, Inc. All rights reserved. BUT denied. Making a large purchase may appear suspicious to your credit card company, prompting them to decline the transaction. -JS, Customer Care. In any case, the Affirm system will verify this data with your postal information. This information must be consistent and your own. PayPal and MasterPass by MasterCard. I asked to move the payment 2 days and they would not do it. Shop the. Do not use them. Thanks! Basically, when you prequalify, you get an estimate of how much you can borrow. Your credit score will not be affected when you check your eligibility, even though Affirm performs a credit check. Affirm performs a credit check and charges interest. If Affirm sees that you have a history of missed or late payments, you might not get qualified for your transaction. Affirm is strange. For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks. You also don't have to borrow the full amount. FTC's website on credit. Well I never had a credit card or any credit score so I was denied. You have our apologies for any disappointment. Officially, Affirm do not share a minimum credit score number. Used Affirm before in the past with no problems. Affirm has been great with allowing me to make purchases I needed and spread payments out over time. Fair. They allow online shoppers to purchase goods and services from online vendors and retail shops on credit. We may earn small commission from the products mentioned in this post. I have spoken to countless reps. emailed, called and everyone is useless. affirm verb Definition of affirm 1 as in to insist to state as a fact usually forcefully unwilling to affirm without further study that the painting is an original Rembrandt Synonyms & Similar Words Relevance insist claim allege assert declare contend maintain proclaim announce argue profess protest purport aver confirm avow reason warrant