r/Affirm • u/random---dancing • 19d ago

Don't trust the Big Nothing!

I was offered a 0% apr plan with $0 down, and it was a lie. They ended up charging me almost 15%! If it doesn't have a down payment, it won't be 0% interest!

24 Upvotes

84% Upvoted

17 comments sorted by

6

u/Nearby_Witness_5848 19d ago

yall need to learn how to use the deals, everything I have has been 0 apr

3

u/Shot-Perspective4638 19d ago

So it’s really Big Nothing 😂

2

u/DifficultRead4606 19d ago

Yea I had one offer for zero interest now everything I've tried after has interest so no point now lol

2

u/tooreal4u_5101 19d ago

Yes , and why isn't AMAZON part of this "Big Nothing" deal??? Scammers!

3

u/closewiththeswirl 19d ago

It is if you use the card. You have to plan the purchase on the app first, then check out using the Affirm card info on Amazon.

2

u/giggly_pufff 18d ago

Is your Amazon order showing up at all under your loans? I requested a loan the same way you did, got it approved, and the order seems to have went through. I'm not seeing my 0% interest loan at all, not even as pending.

2

u/ParabolonKidd 17d ago

Did you choose Affirm @ checkout? If you did that was your mistake. Use your Affirm card number and checkout like you would using any other credit card.

1

u/giggly_pufff 17d ago

No. I input my Affirm number as a regular credit card.

3

u/ParabolonKidd 17d ago

I used my Card on a planned purchase @ Amazon a few months ago when I was offered 0% interest on any Amazon purchase/s and bought myself a 3500$ drone. Purchase price 3500$ amount to payback including interest, 3500$. Some just need to take the time to read how the 0% works. Mine clearly stated 0% interest on any planned purchases on Amazon.

1

u/thats_great_username 18d ago

the big nothing is a promotion for the app. if you go thru the Affirm app it will work

0

u/Opus_777 18d ago

lmao you can't even use the word scammer in the right context, because this definitely doesn't apply here.

1

u/LowerBuffalo858 19d ago

Anyone know what flights , car rentals, and hotels services are participating in the big nothing

1

u/PuzzleheadedBus2345 18d ago

Kayak is if you haven't check plan on booking a flight with through affirm at some point and I notice it was available when selecting a economy ticket to japan.

1

u/Easy_Ad_3746 17d ago

Only thing that i have that had an APR is purchases made on extended plan (like 12 months or more).  However,  even though I may set it up originally that way,  if I pay the purchase off early,  they do credit the interest back.   Sometimes it takes a day or two for interest adjustments.   

1

u/Single-Show7731 16d ago

I heard u have to call them and they will refund ur interest..

1

u/onlyonejeep 17d ago

affirm rocks