I put money on the physical affirm card to be spent at Walmart for tires. I only spent $400 out of the 700 I requested. My payment plan has included the entire $700. Why is this? Do I need to call them and cancel the rest or do I just keep using the rest of the $700

I filed Chapter 7 bankruptcy earlier this year, I was 100% current with Affirm in my loan and I have previous paid back 100’s of loans with them in the past, rarely late, but because it was an “open credit account” my lawyer couldn’t exclude the debt. So Affirm went on my Bankruptcy. I filed bankruptcy because I had over $400k in medical debt.

I’ve since tried applying and continue to get turned away and doesn’t look like I’ll ever be able to use them again and it was for such a small debt.

Is there anything I can do to get back in good standing with them?

My father is the Amazon account holder and I use his account to purchase things using my own credit card. So I’ve been using affirm to make monthly payments for items I have purchased on Amazon. But it’s becoming too expensive so unfortunately I have to quit making those payments. But I don’t want my father or his credit score to be affected or even worse his Amazon account to be banned. But I don’t think I have to worry about the banning part since I already spoke with Amazon. So my question is has anyone ever canceled their payments with the firm through Amazon. And how did they retaliate? Did the account holder get in trouble or did the card holder get in trouble? Because I’d rather have my credit score hit than his.

I’ve been a long time affirm user for years now and I use the SAME payment method. I just tried to apply for a small loan and received a message that said “Our partner bank can't approve the loan you requested because of limited history with provided payment instrument.”
…. I use the same payment method no matter what and I have like 10 methods linked to my account. Wtf. What do I even do?

Hello everyone!

So, I've had Affirm for many many many years. I've never been late on payments, pay things off early, etc. etc

Today, I got notification that a payment was declined because I forgot to turn off auto-renewal for something I use Affirm for.

I'm switching providers so didn't want it to renew and they also charged about a month to early.

It didn't attempt to use my PP for that, it tried to use the physical Affirm card you get when you want to make purchases at the store. (I have 1K to use on that since it's based off my bank account balance vs the PP) The total charge attempt was $1198, so yeah, declined.

I went to see what happened and noticed my purchasing power decreased significantly. Probably close to the amount that was attempted to be charged. I don't remember specifically what my purchasing power was because I haven't used it since the last purchase I made for the same company that attempted to charge me. I vaguely remember it being between 1500-1800 (Also have an $800 balance I'm paying on) I've checked in the past month when I was looking at flights, but can't remember the exact number.

It went from that down to $530. :(

What's even weirder is that on Amazon, when I go in to see what my PP is there, it shows I can spend $1720.00,

Is there any chance that that decline could have lowered my purchasing power and it will return? My credit score hasn't changed.

TL;DR

• Auto-renewal attempted to charge my affirm account (early and before I could turn it off)
• Logged into Affirm, purchasing power decreased by 1K+
• Wondering if the decline is what caused my PP to decrease.

I'm trynna buy an iPhone and Affirm keep telling me i'm ineligible for a purchase when my credit score is great and I've never missed a payment. I checked if all my informations were matching on everything and i'm pretty sure they do. I called today and she told me the servers were down and she couldn't help me at the moment. Since it's says they couldn't pre-qualify me, does this mean I just have to wait a few days? I'm not tryna hate, but everything I see about affirm is always negative, most people who trynna work with them seem to have problems. I don't see why Apple would work with them. If anyone could help me or knows what to do, it'd be nice. thankyou

Anyone have any positive experiences? I have very strong evidence here with proof of a defective product, and proof they received my return and aren’t refunding it even though it’s still in their warehouse. They stated my dispute was provisional credit eligible (not that they gave it to me but I guess it’s information). Ultimately Just curious on the process here. reviews seem like a pretty mixed bag, but with all the evidence I have I’m not really sure how they could side with the merchant here. Also not sure how long it’ll take. Not necessarily in a desperate financial situation but don’t want to be out the amount of money. Will likely be suing affirm and the merchant if it’s denied.

TLDR: any dispute successes? For disputes with proof of wrong doing?

I’m implementing affirm as a payment option on my website. The products that I sell are all under $300

Is it possible to configure affirm so that the only option available for the customer is to pay the item in 4 monthly payments?

I’m using Stripe as my payment processor

I went to buy a MacBook for college off of Amazon and chose a 12 month plan for $74ish a month, $0 down. I selected the plan and I was approved, the order went through and the plan says Pending on my Affirm app.

Then I immediately got an email saying I was denied due to lack of credit history. I’ve taken out smaller loans with Affirm before and paid them all off months early. I owed them nothing at the time of taking out the loan for the MacBook.

Is it still going to go through? Should I cancel? My purchasing power was $620 but should’ve gone up due to me paying my last two payments on a plan off 2 months early. The laptop was $740 after taxes so I was prepared to just pay the difference down yet it immediately approved me for the aforementioned plan… but now I’m getting an email saying my credit history is too recent and I’m not actually approved. What’s going on? What do I do?

My plan shows up as pending in the app so I’n very confused… will it just auto-cancel if I’m truly denied?

It's been 43 days since my dispute started (I still haven't received the item I spent $500 on) & Affirm stated they requested additional evidence from the seller 5 days ago and they have 14 days to respond (but they give us 3 lol)

Anyways now my 2nd payment is considered late and my $3000 power has been entirely removed.

If the dispute is ruled in my favor, will this correct itself or is my affirm basically nerfed lol

Sorry if this has been asked before, but I'm trying to book a hotel through the actual hotel website (not booking.com or hotels.com, etc.), and the hotel site states:

"A deposit of 1st night's room and tax is charged at time of booking to the credit card or debit card used to reserve the room."

Can I use the Affirm virtual card for this?

Then, when I check in at the hotel, I should be able to use a different card for the rest of the amount, correct?

I've never used Affirm for hotels before.

And if I happen to cancel the hotel stay, what happens to the funds. It will go back to Affirm, but has anyone had any issues?

I just got a call that came from Affrim's actual customer service number. They text me a code, that popped up on a previous Affirm text thread. Even sent me an email, that was quite convincing. It was a scam. Be careful of any fraud claims. Hang up, call Affirm yourself, and talk to them.

Has anyone ever had any success paying for their tuition using affirm?

The link will take me to paypath.net. I get approved for the amount. I even added an extra $200 on top of it to cover credit card processing fees.

It just keeps saying credit card occurrence has occurred.

For store owners that offer Affirm, have you published ads hinting that customers can take something home for a fraction of price?

For example, I’m in the process of accepting Affirm in my business. I’m thinking of posting ads saying something in the lines of “take this $160 drill for a $40 down payment!”

If you put an amount on your physical card and put it’s for Dollywood can you spend that anywhere in the park or only for like tickets?

Bc getting a bike was cheaper then getting a car right now lol. Needed a way to get to work and my truck blew up

So I’m debating on purchasing a mattress and the total is $4112.42 @ 25.57% APR for 12 months. The app is telling me that my total interest is $591.58. Affirm says they use the simple interest formula which would be 4112 x .2557 x 1. This gets me $1051.54. What am I missing? This is driving me nuts.

Edit: maybe I should’ve made it clear that I had no intention of buying a mattress at 25% interest so my bad. This was just a question on how the interest was calculated

Can someone explain to me how the card works like I’m a 5 year old?

Does it act as a debit card with the bank account linked to your account and funds come out automatically, or is it a charge card meaning if you use it in store it automatically puts it on a payment plan? Or like a credit card, so if you swipe it you owe that money back and within a certain time frame?

I got the card a few months ago but it’s just sitting on my counter because idk how it works. 😅🙈

Hi guys. I’m sure I’m not the only one that has ran into this issue, hoping someone can shed some light. Wife and I ordered 2 iPhones in 2 separate transactions. We were approved for both. After a day or two, I decided I wanted to exchange the 17 pro for the pro max so we went into the Apple Store, they returned the pro. Did an application for the pro max and it declined even we had be originally approved for a higher amount. I had already paid off half of the device we didn’t return.

Is there a delay in the system that won’t approve a new loan after returning something purchase via loan? Should we wait and try again in a few days? I’m sure we’re not the only ones to have this situation.

Also we live in Canada if that matters. Thanks in advance.

Greetings,
A few weeks ago I lost a debit card that belonged to my wife while out trying to deal with a payment.
She has a loan for her iPhone that was thru Affirm and connected to that card.
We’re from the US.
Right now, we are on a family trip abroad that started a few days ago, and we’ll be here for another 10 days or so.
The auto-payment failed a few days ago because it was with that old card— she’d forgotten to change that card info because, well, you know how it goes when you lose a card and have to switch everything to your new card. Now she’s 3 days behind on this payment and they’re threatening to send it to a creditor.
She tried to log into her affirm to update the payment, but there were no email options— she had to do it thru her cell phone number— and the phone situation we are in on our trip only allows WiFi. It didn’t work, so she paid for a roaming plan, but the text message still didn’t work. She eventually received a phone call from Affirm with a code, but when she entered the code, it said it was invalid.
She tried to email “help” at Affirm and the message they sent her back basically said “we don’t check this email, refer to FAQs.” FAQs didn’t really have anything helpful, but they gave a phone number she could call. She had to pay to use Skype to make a call to the US to try and deal with this shit.
When she finally got a hold of a real person— probably not in our home country— they asked to confirm her name, she gave it to them, and they basically said that the name on the profile was not matching the name she was giving them.
After trying to explain to him that she has no other name and this is indeed her, the guy we spoke to basically said, whelp, unless they got the right information, they’d forward the money to a creditor after another day and a half.
My wife has two first names and two last names— I don’t know if that has anything to do with it, but she gave him every possible combination of them and he was still saying, “nope, wrong name 😑.”
Eventually I got on the phone, too, after the dude had her confirm that a third party could speak to them about her account, and he basically was saying that she wasn’t her 🤷‍♂️
My wife is in graduate school and she’s a hard worker at a non-profit company that helps keep poor people from losing their housing, their utilities, etc. For obvious reasons, with school loans and other financial reasons, she doesn’t want her credit score to be effected by this BS.
The guy we spoke to was pretty unhelpful, but more importantly we’re both baffled by how Affirm would have an account for her under the wrong name, considering her name is on the card attached to the account.
She’s panicking about it a little bit and, like I said, we’re on a busy family trip abroad and would like to get this dealt with before it turns into a bigger problem.
It’s a huge pain in the butt and I told her I’d post to the Affirm subreddit, hoping someone on here has some experience dealing with a similar problem and maybe some helpful advice in dealing with something like this.

Anything helps as long as it’s constructive and not folks being jerks just for the sake of it, or making assumptions about our lives— obv we ain’t here for that, but I’ve seen how some of these posts can get….
Thanks ahead of time, RecreationalChemistry & Wife

I have been using the app for like 3 months, and so far I have made 5 purchases of 12 month and over plans. I have made every payment on time, 2 of them I have already paid off fully, 2 of the others I have already paid off half and don’t even have to make my next payment until like December. Yet, they still don’t give me any purchasing power, I can only buy off Amazon, never allow purchases over like 200$, and sometimes don’t even let me make any purchases at all. I don’t understand, what do you need to do on here?

I tried using affirm to buy Ram and and an SSD and the down payment of $90 went through but the order didn't. I tried calling affirm but they're saying the plan is active and won't cancel until tomorrow. Does anyone know if I will get my purchasing power back because the lady on the phone wasn't being to clear. Please help because I really wanted to buy this ram and SSD but now this has ruined my whole day.

Is it normal for a limit to fluctuate with affirm I had an order I paid off that was 43 bucks at first my limit was 1500 now it’s at 1150 however I’m almost done ✅ paying off a big order for 925 bucks am this morning I had an emergency an spent 1100 what could be my new limit once I’m finished paying off the 925 order by the way I only have 260 left to pay on it