I’m sorry to read that you had some trouble receiving the text message from Affirm. If you have a small purchase you need to make, but just don’t have the cash, Affirm might be the answer. You can help! I once tried Affirm and got rejected, then remembered that I had a credit freeze (due to being a victim of fraud)! Before contacting them, items GetHuman-rmangian may need: A royal pain for sure. I was really surprised. Has anyone else had trouble with Affirm financing? Full name. Payment options through Affirm are provided by these lending partners: affirm.com/lenders. You can also sign up for an Affirm account on the company's website. Jackie Veling March 8, 2021. I got one from Bank Of America Mastercard for no annual fee, 0% APR for 2 years, and $200 cash back after $500 worth of purchases. The only unfortunate thing is the timing caused my son to be without a working phone on an extended trip. We were given no options except to have the code texted to us or to receive a phone call. Given the affirm interest rates I do not recommend them, the best is to save up for new phones before they are needed or get a small loan from a bank/credit union to cover the cost [paid back under a year] even using a credit card to cover the price and paid back quickly is a better deal, But…I would think that since R.W. (User Rating) Ranking. The interest rate charged on any borrowed amount range from 10 to 30 percent and you can repay your debt in three, six, or even 12 months. Our free information and tools is powered by you, the customer. Each inquiry begins with a soft credit check, and you'll learn whether you're approved shortly after. If you appreciated this guide, please share it with your favorite people. Your credit information will be used to determine the terms of possible payment plans. If your refund is more than your purchase balance, you will get back the difference, minus any interest you have paid. To apply for Affirm financing, you must: Be 18 years or older. Affirm can’t approve the loan you requested because we couldn’t verify your identity based on the information we received. I have “failed” these a few times with banks and many times the “answers” they have, there is no correct answer and no option to say none of the above, so you just have to guess. Revenue was up by 55% in Q2 2021 compared to Q2 2020. I had myself removed from those CC offers in the mail. You have the option to pay off your loan over three, six, or twelve months. I hope you followed up with their support on that matter. You need to keep in mind that Affirm bases its financing option not only on your credit score but also a wide range of other factors. has setup some sort of contract with Affirm to finance phones purchased through them…they should be able to accept R.W. Why can’t you verify me if you can anyone? When information does not match what is on public record, we are unable to approve an application. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. How can I find out why I was denied for a loan with Affirm? Why was I denied financing by Affirm? Also, if you are looking to make a large purchase, it may be of interest to actually look at those credit card offers you get in the mail that u always think as junk mail. Best of luck and please let us know if you successfully resolve your issue with guidance from this page. Once you pick the plan you like and are approved for financing, you can use the app to manage your payments. VoIP/Landline and pre-paid numbers can not be used to do any sort of Identity verification that such things as banks, credit services, banks…etc do. Once was back in August and once was today. There is no need to worry since Affirm provides you with an incredible alternative to plunking that balance on your credit card. This can impact whether or not they approve your application. I’ve tried with affirm a few times. Can I amend my order after my purchase has been processed? Make sure that you check your email and read this email to understand why your financing application was rejected. Affirm will use this information to verify your identity and make an instant financing decision. Sorry for the delay to your inquiry. Apart from providing correct personal details, there are also other requirements that you need to fulfill to qualify for Affirm financing. How Do You Get Affirm to Approve Your Denied Application? I’m very glad to see the end result of this experience was that you found a better deal on the phones. In all the attempts to send and resend the code on the different occasions we have received the code once, and when entered we received the final decision message. Good information for others, not me. Have more questions? If your Affirm application was denied, the best thing that you need to do is try to figure out was you were denied financing. If they prompt you for this information but you are unable to provide it, Affirm will be unable to approve your credit application. Once the text option has been exhausted their decision has been made and there are no other ways to verify your identity. We're available to assist you daily from 7 a.m to 7 p.m CST. 0 out of 0 found this helpful. Affirm Plus financing is provided by Celtic Bank, Member FDIC. Would you like to share that link so the Community can verify the phones are compatible with Republic Wireless and so others can enjoy the same savings? Paid them all off on the schedules and didn't use them for awhile. Affirm Loan Services, LLC, NMLS ID 1479506. This was great to use for my ~$800 cost for new prescription eye glasses and sunglasses i really needed. When applying for Affirm it is important to be aware that the company will … Why was I denied financing by Affirm? But, the biggest drawback of Affirm is the limited number of retailers that accept it as a payment option. Have you emailed Affirm with your code issue? Affirm Loans: 2021 Review. I checked the soft pulls on Equifax and nothing from Affirm. I went through the applying portion and I would swear that it said I was approved. As an online lender, Affirm is in a very precipitous position. 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. Getting turned down is disheartening, especially when a credit card company reached out to you first. Even if you try to go in again they remember you and the message that you have been declined greets you again. Affirm, Inc., NMLS ID 1883087. How to Apply for an Affirm loan. I was denied a loan to buy tires. You can apply for a loan plan through a merchant’s website or through the Affirm app. First: share to improve GetHuman-rmangian's odds. With this new option, customers are offered real-time financing for online purchases that can be paid in fixed monthly payments over three, six, or twelve months. Too much credit extended — Some issuers will only extend so much credit to one person based on other factors. Please contact Affirm via email at help@affirm.com for assistance on denials. “Where did you own land or property in the year ####> In what month was your (related family member) born?” …etc. Affirm is losing hundreds of thousands $$$$ a year on their faulty program. We waited a few months to finally upgrade my oldest’s phone and get another phone for my second oldest. Affirm can’t approve the loan you requested because we couldn’t verify your identity based on the information we received. So I can’t open anything new, without lifting the freeze, but can use what I have available to me now. Affirm strives to offer all credit-worthy applicants financing with Affirm… The prequalification amount only applies to the customer's next checkout attempt at your store. At checkout, choose Pay with Affirm. Affirm loan-application process steps: 1. Submit a request. I get the text, type in the code and always get the exact same message as you did. When you are purchasing an item at any participating retailer, you simply choose the option of checking out with Affirm, and that is it. Affirm Loan Services, LLC, NMLS ID 1479506. Affirm Plus financing is provided by Celtic Bank, Member FDIC. And many credit cards have other perks, such as Warranty Extension, or Price Decrease Protections, or even Phone Protection Insurance if your phone is damaged. If your Affirm application was denied, the best thing that you need to do is try to figure out was you were denied financing. Provide a valid U.S. mobile number and agree to receive SMS texts. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681. One of the biggest benefits of using Affirm to finance your purchases is that there is no prepayment penalty. Particularly ones with slow or complicated IVR or phone menu systems. I applied for a loan and I was accepted. This information must be consistent and your own. Thanks for your reply. numbers for text verification, so that current R.W. Unfortunately these advantages of some credit card are going away [discover removed most of these this past year and other Banks are doing the same]. If the denial is because of income or another non-credit factor, the issuer will probably tell you that, too. Affirm cannot accept VOIP numbers at this time. After thousands of Affirm.com customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. I used Affirm 2-3 years ago when I only had low limit cards and I was placing an order that was more than I had available. Please contact Affirm via email at help@affirm.com … An Overview of Affirm.com Contact Information, Affirm.com Customer Service Ratings & Issues, You have a valid U.S or DPO/FPO/APO home address, You have a valid U.S mobile number. Provide a valid U.S. or APO/FPO/DPO home address. Thanks, Affirm Customer Care But, I can apply for literally any other loan and get approved. California residents: Affirm Loan Services, LLC is licensed by the Department of Business Oversight. However, this isn’t your first Affirm loan, you can be denied if you made late payments or failed to repay a previous loan on time, or if you display a history of excessive borrowing. I managed to get a line of credit through one of the major banks that was around four or five times the amount I was asking for from a firm. Options depend on your purchase amount, and a down payment may be required. I used Affirm 2-3 years ago when I only had low limit cards and I was placing an order that was more than I had available. And if you spot any issues with our How Do You Get Affirm to Approve Your Denied Application? Affirm Installment Financing. Affirm will credit your payment method within … Can I be approved for a higher loan amount if my purchase amount increases? Why was I denied financing by Affirm? Why was I denied financing by Affirm? When applying for Affirm financing, the company will ask you for a few pieces of personal information that include: official name, mobile phone number, email address, date of birth, and the last four digits of your social security number. When Affirm declines your financing application, it will send you an email with more details about its decision. Powered by Discourse, best viewed with JavaScript enabled. to try to help. So, what can you do to get Affirm to approve your denied application? Thanks, Affirm Customer Care But then I had to go back and research again. 1. Business is booming, too. Please understand though, that there is a tremendous difference between not being able to verify your identity and not qualifying for a loan. I tried to purchase a tv from Walmart online and got the message you got. Once you have an account, you can now apply for a loan through Affirm for purchases at its partner merchants. If you’re rebuilding your finances or establishing credit, secured credit cards … We're available to assist you daily from 7 a.m to 7 p.m CST. However, not everybody can qualify for Affirm financing. They must take extra precautions to be certain the people they are working with are who they say they are. Your rate will be 0–30% APR based on credit, and is subject to an eligibility check. If you believe there is incorrect information in your application, please don't hesitate to reach out to our team by giving us a call at (855) 423-3729. Read on to find out everything that you need to know about Affirm financing. It is critical to double-check every detail and ensure that it is correct before submitting your application. Be you sign up, make sure that: Affirm is an excellent option if you want to make a relatively big purchase, but you cannot afford to pay upfront. I was immediately approved (I do have very good credit) and the sale went through seamlessly. The merchant has no information regarding a customer’s financing denial. Affirm strives to offer all credit-worthy applicants financing with … Paid them all off on the schedules and didn't use them for awhile. Once you have decided that an Affirm loan is the best option for you, there are a few different ways you can apply: at the retail store, in the Affirm app, or online. Plus, some issuers have specific requirements about how many new accounts you can have opened in the past few years (such as Chase’s 5/24 rule). No matter, I found the phones we are looking for new and unlocked for $149 cheaper on Amazon Prime with a 5 month no interest payment plan which solves the problem AND saves me money. Credit Cards. The company says that it strives to offer all credit-worthy applicants financing, but it is not possible to provide credit in every case. I’m a busy mom with 4 boys active in sports and scouts and don’t have time to search the forum for past discussions, although I knew I couldn’t be the only one with this financing problem. Re: Affirm Financing. Our decision is final. You are very likely more than qualified for the loan, and the inability to verify your identity should not be taken as an insult. 9/10. Strength in numbers! I got Affirm approval for that purchase and used it 2 more times after that. If a customer cancels the transaction, they'll need to get prequalified again. You need to look back at your application and figure out what you did wrong. https://docs.affirm.com/affirm-developers/docs/identity-verification I had done the research and counted on it to be easy to get the phones when we were ready. We started with contact information and fastest ways to reach a human at big companies. Tried to log into TU to see soft pulls but couldn't sucessfully get the report to open, and can't see the EX ones either. Refund is more than balance. Affirm might ask for additional information about your checking account to verify your identity and ability to pay. In the end, these extra precautions are there to protect you and the excellent credit score you and your husband have worked so hard to earn. So we put together How Do You Get Affirm to Approve Your Denied Application? GetHuman-rmangian's Denied Application issue with Affirm.com from November 2019. The mobile phone account must be registered in your name. Message 17 of 53. Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Within a few seconds, Affirm notifies you of the loan amount you’re approved for, the interest rate, and the number of months you have to pay off your loan. Who is eligible for the Affirm payment option? Thankfully it was to my benefit. Please return to the merchant and use a different payment method to complete your purchase. Enter the authorization code into the application form. Companies respond better when others are watching. Recently to my happy surprise my low end AMEX CC, (this is the free card, not the ones with the annual fee) offered me to put a large purchase on payment plan without interest, just a reasonable flat fee per payment. For customers, Affirm does not state a minimum required credit score. It seems unfair to apply for credit believing you’ve finally found the help you need to build up your life. It also states the decision is final. To get started, be prepared to provide the following information: Phone number. When information does not match what is on public record, we are unable to approve an application. I just applied for an Affirm loan last night to purchase “The Mirror” because, well, Covid 19. Each loan company is different, but typically, you'll apply for the financing option online when you check out and be approved or denied almost instantaneously. Overview and Application Process; Follow Why was I denied financing by Affirm? There is no effect on a consumer's credit score when they apply for an Affirm loan. 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 Search Credit Cards. Affirm provides point-of-sale loans that let you buy now and pay later. And I certainly can’t let the absurdity of Affirm’s verification process go unnoticed. Help with my Affirm.com issue. Having Affirm can help you make sales you may otherwise miss. 3. 2. When It took me back to the RW ordering page, it showed that I would be paying in a lump sum. GetHuman has been working for over 10 years on sourcing information about big organizations like Affirm.com in order to help customers resolve customer service issues faster. You cannot edit your order after you have confirmed your loan. Money can take up to 6 business days and it still has not been deposited. If you want to add items to your purchase, apply for another loan with Affirm or use a different payment method. 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. My husband and I are employed full time, have excellent credit and are homeowners. We want to be as helpful as possible. But, I can apply for literally any other loan and get approved. Contacting Affirm may not help since the company does not store information regarding a … Visit Site. Sharing is what powers GetHuman's free customer service contact information and tools. Email address. Affirm is only offered to individuals in the US with a US mobile number, shipping address, and SSN. If they allowed a loan to someone under your name without being absolutely positive, beyond a shred of a doubt, that it was you, they would be putting you at tremendous risk. Or companies that have self-serve help forums instead of a customer service department. Affirm, Inc., NMLS ID 1883087. Affirm savings accounts are held with Cross River Bank, Member FDIC. The Pool Factory has no information regarding a customer's financing denial. I had an issue with my address when I'm trying to sign up now my account is denie... i would like to apply in affirm, but i am afraid it may affect my credit score. Affirm Review - Use Credit To Buy From Your Favorite Retailers. This information must be consistent and your own. I got denied for a loan as well, my credit score is in the mid-70s and they gave me no reason for declining me. Affirm’s point-of-sale loans let you divide your purchase into monthly installments with 0% to 30% APR. If you want to add items to your purchase, apply for another loan with Affirm or use a different payment method. This has been discussed to death in multiple treads here in Community Forums. Contacting Affirm may not help since the company does not store information regarding a customer's financial denial. This is a significant advantage because it ensures that you can obtain financing from the company even if you do not have an extensive credit history. I got Affirm approval for that purchase and used it 2 more times after that. Get a better deal on all your services in 1 call, and let us make scheduling easy for you. Affirm is a financing alternative to credit cards and other credit-payment products. Are you looking to make a big purchase such as television, new furniture, or even musical equipment but you do not have hard cash at hand? The more people that use it, the better it gets. Order limits can vary: Afterpay, for example, says its loans can be used on orders of $35 to $1,000, while Klarna determines a limit based on an applicant's credit profile, as does Affirm. Affirm offers easy, affordable, and quick financing with no hidden fees and flexible terms. See if a Affirm personal loan could be right for you by reading ratings and reviews from customers and our editors. California residents: Affirm Loan Services, LLC is licensed by the Department of Business Oversight. in a split-second by me reciting the code they just text my phone. I managed to get a line of credit through one of the major banks that was around four or five times the amount I was asking for from a firm. If you believe there is incorrect information in your application, please don't hesitate to reach out to our team by giving us a call at (855) 423-3729. https://www.amazon.com/dp/B077YNYFPD/ref=cm_sw_r_cp_api_pDs6BbK5AEQ2V. It is an incredible alternative to credit cards and let you take control of your financial life. I don’t know if it helps but he protested it still and lost his case because it was a final decision but they did admit problems in their system. Funny how I recently paid off affirm with shoes and another place. Contact Affirm customer service. customers can make use of the service. Instead, you can expect fewer monthly payments, a smaller final payment, or both. If you apply for more loans with Affirm, we may perform additional ‘soft’ credit checks to ensure that we offer you the best financing options possible. Wha... My credit does not have serious delinquencies as you claim and my credit score has appr... Hello. You need to look back at your application and figure out what you did wrong. It takes time to get through these steps according to other users, including time spent working through each step and contacting Affirm.com if necessary. Please return to the merchant and use a different payment method to complete your purchase. Call Free: 888-959-6783 Our service is unaffiliated and thus can compare plans across many providers and schedule multiple technicians. At that point had they even asked any personal info, like our name? Access To Affirm’s Customer Network: ... Affirm does not appear to check credit when merchants apply to offer the service. Usually they ask multiple choice questions whose answers given are sourced from public records. Here is their contact email address: help@affirm.com. The problem is that they want to verify identity by sending a text message to the phone and we don’t get those text messages. As noted in many Affirm.com reviews, Affirm is completely upfront about the fees that they charge. Certainly, here is the link: Moto X (4th Generation) - with Amazon Alexa hands-free – 32 GB - Unlocked – Super Black - Prime Exclusive https://www.amazon.com/dp/B077YNYFPD/ref=cm_sw_r_cp_api_pDs6BbK5AEQ2V. May 19, 2017 17:21 Please contact Affirm by emailing help@affirm.com or by calling (855) 423-3729 for assistance with denials. Yes. I got 0% financing for one year and the payments will not be difficult for me. Sometimes the CC you already have, may offer a better payment deal. You can get denied for a credit card even if you were pre-approved. I have tried 3 times to finance Republic Wireless phones for my boys with Affirm and 2 of the times, through no fault of my own, I have gotten the message that Affirm was not able to verify my identity. I went back for it again and I was denied. You can call Affirm at toll free number, write an email to help@affirm.com, fill out a contact form on their website www.affirm.com, or write a letter to Affirm, Inc, 650 California St, San Francisco, California, 94108, United States. Lack of approved credit. There is no effect on a consumer’s credit score when they apply for an Affirm loan. I have to be constantly vigilant, fraud is rampant in my state. Apply for the right card. Please contact Affirm via email at help@affirm.com or by calling (855) 423-3729 for assistance on denials. Alternatively, you can use a VoIP number but make sure that you agree to receive text messages, The mobile phone account must be registered in your name. There are no late fees or early repayment penalties. This time it said I was denied. After completing the application and finishing shopping, the pre-qualified amount is automatically applied at checkout when they select Affirm as their payment option. I got denied for a loan as well, my credit score is in the mid-70s and they gave me no reason for declining me. Thinking something wasn’t right, I tried to review the cart, which took me back to the Affirm ‘application page’. Affirm loan-application process steps: At checkout, choose Pay with Affirm. I don’t consider it an insult to be declined, but a complete aggravation. This means that if you pay back your loan before the final due date, you will only pay the interest that has already accrued. These days, it seems to be just about everywhere, offering you the option right during the checkout process to split your purchase up into several payments over time. There are other ways to complete the Identity Verification in most cases. Fraudsters would love the opportunity to purchase a phone on your credit and then walk away, making no payments and leaving your credit ruined. Why was I denied financing by Affirm? How can we possibly be qualified for a $250,000 home loan and not $349 phones? I personally try and put $20 a month in a savings account to pay for the next needed phone [phones last 2-3 years that gives $240-$360 for the next phone]. Birthday. Read our Affirm review and see if it’s an option for you. I have a friend here in the community of members that has a 800 credit score and a homeowner and was turned down to buy a phone by affirm. The merchant has no information regarding a customer's financing denial. Affirm is a buy-now-pay-later company that was launched in 2012 by Paypal co-founder Max Levchin. Was this article helpful? Affirm lets you buy goods and services from online vendors and retail shops on credit. guide, please let us know by sending us feedback. Our decision is final.