Affirm Financial — Finance in London

Reviews of Affirm Financial

• James

  Added 2016.09.27

  Overall - I would recommend this company and their products to consumers needing some assistance with building back their credit quickly. Money Mart, Easy Financial and others offer slightly higher interest rates so keep that in mind.
• William

  Added 2016.05.05

  People here giving 1 star are irresponsible adults who have no sense of budgeting. Case and point "couldn't get gas because of this card" not the cards fault you suck with money. Very respectful when I spoke to them on the phone; could be that I was respectful to them...who knows. Either way very happy with this financial provider. Very high interest but that's the price you pay when you screw your credit. As for those saying Affirm only wants ultra high credit scores to hand credit out to, is full of baloney. My credit score was hovering around 600 when I got this card and they granted me $4k. Had this card now for two years going on three in Dec. Again, I see this card as more of a stepping stone to better credit due to the high interest offered. But, if you're in a bind and need a credit card to start rebuilding your credit I think this one is just as good as Capital One.
• Sebastian

  Added 2016.04.04

  In regards to the situations about people being declined for credit - as a recent reviewer pointed out - the requirements around granting credit are fairly universal however an instituion like this one is able to lower it a bit - for example if you have filed for bankruptcy the company could still issue a card to help build that credit back up.
• Devin

  Added 2015.10.31

  The unfortunate side in my mind was that we couldn't retain you as a customer because our interest rates are high to maintain a balance budget against those who ran off with the money. The company had heard from me and others that a tiered system could help but - big banks don't do this on mass so it may take a while for this to come into effect.
• Aidan

  Added 2015.03.15

  I am disappointed with Affirm. I received my card at a time when I thought I would not be able to have one for a while. I have been a good client making large payments every two weeks, sometimes paying it off each month when possible. Then in April my monthly fee was raised from $7 to $12 and my interest rate raised to 39.99%. I was shocked, but since I can't get a card from any where else for a while I was stuck. I think that Affirm knows that and takes advantage of people like me who have no where else to turn. I went back to school late in life and got two more degrees which allowed me to get a good teaching career. However, it caused some financial hardship which in turn caused me to have to make some tough decisions to get back on my feet. But now, I have learned that they don't mail out new cards until the month the previous one expires, and mine expired today and i still don't have my new one. They claim there was a delay with the card manufacturer. I did not receive a letter notifying me of the delay, and they did not mail it out express post to ensure I received my new card before the old expired. They mailed it out at the end of the month knowing full well it may take up to two weeks to get to me, which in this case is 4 days after the old one expires. I am now in the process of talking with them to make things right. A GOOD company would firstly not wait until the 11th hour to mail the new card, they would send a letter notifying of the delay, they would have mailed out the new card express mail in a better effort to get my card to me before the old one expires, and I feel that a good company would apologize properly by offering something in return to make things right such as a gift card and an offer to waive the monthly fee for August. Instead, I just get an "I'm sorry, we have done all we can do"
• Dylan

  Added 2014.12.07

  The company was recently purchased by a larger organization so it may see some improvements on the product line side as they were focusing on that as well during my time.
• Adrian

  Added 2014.11.21

  Affirm Financial has made several changes and the results are starting to show. It is always best to look around but make sure you dig into the details. I feel you will find that Affirm can help you.
• Bria

  Added 2014.11.06

  As a former employee of this company my opinions may be a bit skewed - but I'll try to be fair.
• Adrian

  Added 2014.10.21

  I have worked in Collections for a number of years and found their approach refreshing and was happy to work with the company as their wasn't a push to be mean - but to find out the reason why someone was unable to pay and how we could help.
• Bryan

  Added 2014.03.19

  The company unfortunately has gone through some changes and had to let some of it's staff go including myself but while I was there the management worked very hard to ensure the products and services offered were being selected properly for each customer.
• Kyle

  Added 2013.12.14

  Don't deal with these guys!! Even if you are desperate for a loan. I took a $5000 loan 17 months ago and have been making payments of $177 per month. After 17 months of payments which is over $3000, my balance is still $4400. The interest is daily interest and you pay a lot of that off at the beginning. Very little money goes to the principal. Look around first, I'm sure there are a lot better places with better rates!!
• Cameron

  Added 2013.12.03

  I used to work within the Collections department and the atmosphere and culture at the company was very much one of a large family. The focus was definitely on providing the best solutions for people and being different from other institutions. I handled proactive sales as well as talking to people about what options would be best for their situation.
• Patrick

  Added 2013.07.22

  The goal of the company is to get you back on your feet - not to be your emergency back up card or your life long card. They want you off to a bank for that.
• Adrian

  Added 2013.07.04

  I'm am dissatisfied, unhappy, and quite inconvenienced by their inappropriate business practices.