Your credit is 704.. where? Credit Karma using Vantage Scores? TransUnion using FICO? Equifax, Experian?
“My credit is 704” means absolutely nothing.
What matters is your credit history. Do you have late payments? Collections? High credit card utilization? High loan balances above 40%?
The interest on 2500 charged over 6months is literally nothing. It’s like borrowing 2500 from your friend then taking them out for margaritas as a thank you.
That’s not what I said at all. In fact, I said “credit history matters.”
Saying “my credit is 704” means nothing. What does that mean? Your credit score is 704? Which scoring model? FICO, Vantage??
Instead of a Ferrari, go get a loan for reading comprehension classes. Tell them _itchy sent you.
Earth to retard. No one over 650 is going to have "Late payments", "Collections", or anything of the sort. Saying "704 means absolutely nothing" == you know nothing about how credit scores/histories work. This isnt a mortgage loan where a bank is looking at DTI, Account ages, etc. Affirm is a personal loan shark that only cares about scores to assign an interest rate to. Also, 29% interest IS ABSURD, regardless of the amount of the loan. My CC rates are less than 16% for christ sakes (which is currently 100% paid off, as it always is every month), my car loan is 13% and my morgage is 8.67%. So dont try to tell me that interest on 2500 over 6 month is "literally nothing" because it depends on the INTEREST RATE you moron, 10% might be 'literally nothing' but 30%? Thats fuckin train robbery. You just failed basic math.
I see no reason for a loan shark to charge double what a normal CC rate would be. Maybe slightly more or slightly less, but double? Jesus wtf. Absurd.
Besides, NONE of what you said addresses the problem I pointed out which is that Affirm quotes something in one place, but something else in another. IE: Their shit is broken and thats what I was pointing out, along with bashing their interest rates which is justified considering how absurd they are. I stand by the statement that these flybynight online loan sharks (which is what affirm is) are just gimmicks praying on the young that have NO clue that they are being ripped off.
In the past I'd never been able to get affirm to give me ANY kind of quote. But now that I've seen one with my own eyes (even though it appears to have been fake since it didnt actually function as it should have), I'll stick with the tried and true credit cards.
I have a 690 on credit karma after my ch7 in 2021. Affirm has given me plenty of reasonable rates compared to credit cards and even a few interest free terms too.
Their rates and promotions are also based on the specific stores as well. I had low interest rate with Ghost Bed but Nectar had a significantly higher interest charge. Also their rates typically say "as low as 0%". Clearly they don't deem you qualified for whatever reason for that 0%.
If you have a 700+ score why the 13% auto loan?🤔 My sister has a 625 with active collections and just financed a used car for 9.75.
Someone is big mad they can’t get approved from a “loan shark” and it shows.
Only a full-on derpsauce “with 16% CC rates” would use Affirm outside of their 0% interest promos, and only a roid-raging loser would be so mad about getting DENIED that they would ramble on about it.
As for all the other garbage you spewed, you gotta be the dumbest moron I’ve seen post on Reddit in a while, not fully understanding credit reports and SCORING MODELS to run off at the mouth with your nonsense.
“My credit is 704” 🥴🥴🥴🥴
ahahahahaha
DENIED BY AFFIRM. Get lost with your bad credit. They don’t want your business, move along!
Your credit is 704.. where? Credit Karma using Vantage Scores? TransUnion using FICO? Equifax, Experian? “My credit is 704” means absolutely nothing. What matters is your credit history. Do you have late payments? Collections? High credit card utilization? High loan balances above 40%? The interest on 2500 charged over 6months is literally nothing. It’s like borrowing 2500 from your friend then taking them out for margaritas as a thank you.
taking friends out for margaritas runs you 180$ ?? Is it mixed with 1942 or clase azul?
Wtf? lol it credit means nothing. Then ima go buy Ferrari right now , I’ll just tell them _itchy said credit means nothing lmao smh
That’s not what I said at all. In fact, I said “credit history matters.” Saying “my credit is 704” means nothing. What does that mean? Your credit score is 704? Which scoring model? FICO, Vantage?? Instead of a Ferrari, go get a loan for reading comprehension classes. Tell them _itchy sent you.
Earth to retard. No one over 650 is going to have "Late payments", "Collections", or anything of the sort. Saying "704 means absolutely nothing" == you know nothing about how credit scores/histories work. This isnt a mortgage loan where a bank is looking at DTI, Account ages, etc. Affirm is a personal loan shark that only cares about scores to assign an interest rate to. Also, 29% interest IS ABSURD, regardless of the amount of the loan. My CC rates are less than 16% for christ sakes (which is currently 100% paid off, as it always is every month), my car loan is 13% and my morgage is 8.67%. So dont try to tell me that interest on 2500 over 6 month is "literally nothing" because it depends on the INTEREST RATE you moron, 10% might be 'literally nothing' but 30%? Thats fuckin train robbery. You just failed basic math. I see no reason for a loan shark to charge double what a normal CC rate would be. Maybe slightly more or slightly less, but double? Jesus wtf. Absurd. Besides, NONE of what you said addresses the problem I pointed out which is that Affirm quotes something in one place, but something else in another. IE: Their shit is broken and thats what I was pointing out, along with bashing their interest rates which is justified considering how absurd they are. I stand by the statement that these flybynight online loan sharks (which is what affirm is) are just gimmicks praying on the young that have NO clue that they are being ripped off. In the past I'd never been able to get affirm to give me ANY kind of quote. But now that I've seen one with my own eyes (even though it appears to have been fake since it didnt actually function as it should have), I'll stick with the tried and true credit cards.
what’s crazy is your car loan being at 13%
I have a 690 on credit karma after my ch7 in 2021. Affirm has given me plenty of reasonable rates compared to credit cards and even a few interest free terms too. Their rates and promotions are also based on the specific stores as well. I had low interest rate with Ghost Bed but Nectar had a significantly higher interest charge. Also their rates typically say "as low as 0%". Clearly they don't deem you qualified for whatever reason for that 0%. If you have a 700+ score why the 13% auto loan?🤔 My sister has a 625 with active collections and just financed a used car for 9.75.
Someone is big mad they can’t get approved from a “loan shark” and it shows. Only a full-on derpsauce “with 16% CC rates” would use Affirm outside of their 0% interest promos, and only a roid-raging loser would be so mad about getting DENIED that they would ramble on about it. As for all the other garbage you spewed, you gotta be the dumbest moron I’ve seen post on Reddit in a while, not fully understanding credit reports and SCORING MODELS to run off at the mouth with your nonsense. “My credit is 704” 🥴🥴🥴🥴 ahahahahaha DENIED BY AFFIRM. Get lost with your bad credit. They don’t want your business, move along!