Funny you might ask, I just purchased some Paintball gear for my friend and I. I only purchased about $100 for myself, But I chose Affirm because my friend didn't have the $200+ for the items he wanted.
 
You 100% need a cell phone number, That's the way you log in through the Affirm website and that's how they do the verification. If you don't need it right now, I suggest just to save up for it to be honest, It doesn't make sense to pay interest if you don't need it (I know, I'm being a hypocrite since we used it for something we didn't really need lol).
 
The APR is pretty high, Check out what I'm paying.
 

 
If you don't mind paying 30% APR for something that could've waited, Then by all means, Go for it. Although I believe they do check your credit through a soft credit check, But I don't know how stringent they are on the requirements.
 
Best of luck,
Sergio G.

30%?!?  dear god?!?  I was about to look up what Affirm was cause I never heard of it.  You just saved me a google search.

I am stuck with my roommate's  crappy computer with a  obsolete  motherboard by asus .Infact only info I could find is pc on asus M11bb . the cpu is  Amd A-10 with radeon integrated graphics built in. It may have  4gbs  graphics memory but  I can barely run Starwars the old republic  which is  not even heavy on your system. So all my good games like skyrim and dragon age inquisition is out the window. I have a board has  amd fx 8750  4.0 ghz 8 core (yea intel is better but  it is what I got . And a better motherboard  sitting  in a anti static bag and  motherboard box all I need is a graphics card and I am set. sure   the sabertooth isn't the latest and greatest but I have to work with what  I can. So I had planned to get  the geforce 1050 ti and the memory cause it  is  better than this crap memory I have atm which would be  about 350 dollars. But yea it kind of hard to wait to save up the money cause  I assumed that the memory being 1600 mhz was compatible with this board but  it looks like   the board for the m11bb pc is 1333 mhz  but I could be miss reading as  even their stupid user's  guide  says  nothing. thing is  the only cellphone  I have  is not  activated another words I use wifi on it and my roommate's cellphone is  by none other than obama free phone and it  shows the wrong name. kind of stupid rofl thanks Obama. Well AFFIRM seems like a good idea if you suck at saving up money like me. 

Yea i don't qualify you need credit score mine is like a 5 my bank offered me one i i deposit 100 bucks. This credit stuff is too confusing. I was always against credit cards .lol well saving it is .

Depending on the length of the payments you want, even with sub par credit most people I know have gotten zero percent 6 month financing.

I did it for my purple mattress cause there was a promotion with it. 6 months zero percent and the frame was free if I used affirm.

Pretty straight forward but it does take them a few days to actually pull a payment though as long as it goes through it counts from the day you schedule it.

Or just go into the marketplace here?  I have yet to meet an unsavory character here.

Credit is not money, is a legal form of slavery.  You are agreeing to exchange your future earning potential for loot.  Rich folks would not give you that loot unless it was a good deal for them.
Just grab a jar and start putting some cash and change in it till you get what you need for the GPU.
Also if you have something you no longer need you would like to sell... in the jar with it  ^_^

nateman_doo

MSim
No way i would do 30% to get a video card. That reminds me of the payday lending junk.

omg, i haven't heard payday loans since I was on active duty.  Thank you for the trip down memory lane! 

Payday loans, Damn would those punks out in Virginia beach roll my Shipmates around in dog poo wanting 800% interest paid back on a 15 day payday loan. It was so sad, because this ruined the credit of a few friends of mine that desperately needed cash to feed there families. It's not like your Rick James rich as an E-4,living on base housing, with 2 kids you have to support plus all the other stuff that goes a long with it. It was such a disaster. Payday loan building in VA Beach got torched by a few service members for pulling some disrespectful bs. I remember my buddy opened his first bill and his total owed for only getting $200 advanced to him was $1,600. They wanted the money in 6 months to. Like truly, the man just came to borrow $200 and now his payment is $267.77/month for the next 6 months. Ruined his marriage, his credit and screwed him over when he got back in to the civilian population.  So sad, now 30%. That is nowhere near great, but I've heard of worse and if your a now now now type of person I figure that it is actually a decent way of EVGA allowing us mere mortals to even have a spin with the top of the line Graphics Cards.

My credit used to be so bad, I got turned down for a secured card (yes, it seems that's possible) finally did manage to get a secured card though a refferal/ad on a credit monitoring site, and now I have credit. Use it to pay for pizza every now and then and pay it off asap, to build my credit score and history. so far I've resisted the urge to buy stuff I don't have the money for.
 
anyway I'd avoid getting credit because you want to buy something, get credit to build credit, not to buy stuff. Could be useful if you need to buy a house (maybe a car) one day.

Nereus
 
Apply for a credit card with a $500 limit - the interest rate would be significantly cheaper than what that place is asking.
 
I think Newegg and Amazon also offer financing that may even be interest-free for the first 6 months or so, providing they have the product you want, or a store card with Amazon is another option - plus you get a few % discount using their store card. I have an Amazon Visa and get 5% off everything from Amazon (in the form of points, which I can trade for cash or credits with Amazon).
 
 
 
 
 

 Credit card have significantly better interest? How is 15-30% variable interest calculated daily significantly better? My Dad has excellent credit and his card is usually around 20% interest if he doesn't pay it off every month. He is one of the smart card users, He pays for everything with his card for the points and pays it off every month. When he gets his bill for $5,000 his minimum monthly payment is estimated to be $176 taking 39 months to pay it off. $176 x 39=$6,864 meaning he would pay 37.28% in total interest and that is if rate stayed at 20%,which it never does. 
 Interest free for the 1st 6 months means you don't have interest if paid in full within 6 months, if you don't interest is calculated on the full amount from the date of purchase. You can pay $999.99 of $1000.00 loan and if that last 1 cent is paid after you 6 month date you are getting hit with 6 months worth of interest at the highest allowed by law on that $1000.00 purchase.
 
 Affirm is actually doing a flate rate and don't charge a penalty if you pay it off early and you end up not paying the full interest. I haven't personally used them, but my cousin has used them a few times, He doesn't like carrying large amounts of cash and hates the inconvenience of having to call his bank to get purchases approved because he spent too much of his own money in 1 day. His largest purchase was for $1000 dollars at 20% for 12 months with $100 payments. He made 2 payments and paid it in full the prior to the 3rd month due date with a balance owed of $840. So that tells me they figure the interest and then the payment off of that applying payment to principle and interest in a fair manner, instead of most loans(mainly mortgage and auto loans) where the majority of your initial payments are going towards interest instead of principle and then charge a penalty if paid off before a certain amount of time.
 
Mortgages are the real scam with the way they calculate interest

Amortization Calculator

1Loan Amount
60,000

 


2Interest Rate
4%
 


3Number of Years
30
 

Your Amortization Summary

Base Calculations

Monthly Principal & Interest $360- Number of Payments 360- Total Payments $129,503- Original Loan Amount$ 60,000
 
I calculated that here. Because of how much total interest you get charged on a mortgage I talked the the seller of the house we bought a couple years ago into letting us do a land contract on the house. My wife and I were approved for the mortgage,but I told the seller I would rather give them the interest if they were willing to take the payments over time. We settled on $2,000 down 15% interest over 6 years for a $20,000 house. we are paying $287.50 a month totaling $20,700. Our mortgage would have had a 6% rate with a monthly payment of $298 totaling $21,478(19.3% interest) on $18,000 borrowed if a 6 year mortgage was possible, we would have actually had a smaller payment while paying a little more in total due to only being able to get a 15 or 30 year mortgage. Vehicle loans are calculated the same way and nobody bats an eye at making a vehicle or house payment because they THINK they are getting a low interest rate when they really aren't with the way the calculations are done. My Dad used to be a mechanic at a dealer and he bought a new truck at the same time his friend did. Their trucks were within $200 of each other even though my Dad got a nicer truck(employee discount)both had 6% interest rate for the same amount of months, but my dads payment was less than his friends because his interest and payment was calculated the way Affirm calculates it. $30,000 +6%($31,800) and then split into $530/month payments for 60 months vs the Amortization method here for the friends $30,000 truck, $580/ month for 60 months totaling $34,799. Again because of the way the payment is applied towards the interest/principle in the beginning of the load that equals what would be a flat rate of 15.99%
 With what video card prices have been doing lately I would use Affirm in a heartbeat if there was actually stock right now and I didn't have the cash at the moment since by the time I could get the cash they could either be out of stock or the price gets all jacked due to a mining spike.
 
 While Affirm might have what appears to be a high interest rate it only sort of is,at least for those with questionable or no credit, at least it is a flat rate with "x" amount interest and "y" amount principle being applied to the total balance each month. These flat rate loans always appear to be "scams" when they aren't costing borrower alot(if any) more  than the Amortization calculated loans that appear to have a low interest rate,but due to the calculation method it really isn't as low as it looks.

you didn't pay attention to everything i said. How many people actually pay more than just there minimum payment on a credit card? If you look at the example I gave for my Dad(my 1st example) you see that making your scheduling monthly payment costs ALOT more. Most people don't do this, most use them to buy things they can't afford and make the minimum monthly payment.
 
Let's go by the card you suggested Amazon visa here
"15.24% to 23.24%‡, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate."
 
"‡These APRs will vary with the market based on the Prime Rate. Click here to see complete Pricing & Terms.

• Prime Rate: Variable APRs are based on the 4.25% Prime Rate as of 6/20/2017
• We add 10.99% to 18.99% to the Prime Rate to determine the Purchase/Balance Transfer APR. Maximum APR 30.24%
• We add 21.74% to the Prime Rate to determine the Cash Advance APR. Maximum APR 30.24%" 

 
If he is paying 30% with Affirm then the soft credit check they do tells me he wouldn't get anywhere close to the lowest possible interest rate. My cousin has so so credit and only pays 20%.
 
For the sake of argument lets say he does magically get the lowest possible interest rate of 15%. According to here a balance of $365 with an interest rate of 15% paid off in 6 months would be a payment of $64. $64 x 6 months = $384. With Affirm his total is $397.88
 

Spongey

nateman_doo

MSim
No way i would do 30% to get a video card. That reminds me of the payday lending junk.

omg, i haven't heard payday loans since I was on active duty.  Thank you for the trip down memory lane! 

Payday loans, Damn would those punks out in Virginia beach roll my Shipmates around in dog poo wanting 800% interest paid back on a 15 day payday loan. It was so sad, because this ruined the credit of a few friends of mine that desperately needed cash to feed there families. It's not like your Rick James rich as an E-4,living on base housing, with 2 kids you have to support plus all the other stuff that goes a long with it. It was such a disaster. Payday loan building in VA Beach got torched by a few service members for pulling some disrespectful bs. I remember my buddy opened his first bill and his total owed for only getting $200 advanced to him was $1,600. They wanted the money in 6 months to. Like truly, the man just came to borrow $200 and now his payment is $267.77/month for the next 6 months. Ruined his marriage, his credit and screwed him over when he got back in to the civilian population.  So sad, now 30%. That is nowhere near great, but I've heard of worse and if your a now now now type of person I figure that it is actually a decent way of EVGA allowing us mere mortals to even have a spin with the top of the line Graphics Cards.

Geeze... welcome BACK to the forums?!  2 posts in as many years??  I remember a guy back in the 90's bought a used jetta for like 20 grand.. and It was probably 10 years old and a piece of junk at the time already.  One of those tiny car lots that say no credit, no problem.. just bring in an L.E.S. and you will be approved.  I hope many of these local just outside the base LEECHES all died and replaced by legitimate businesses.  However privates be privates and they will still make stupid mistakes.  Weird for being the "internet generation".  They are all FAR more educated then we were back then.  But just like us at the time they have all the intelligence out there... but lack wisdom.  The irony is this is how you acquire wisdom.  succumbing to things like this payday loans nonsense. 

nateman_doo

Spongey

nateman_doo

MSim
No way i would do 30% to get a video card. That reminds me of the payday lending junk.

omg, i haven't heard payday loans since I was on active duty.  Thank you for the trip down memory lane! 

Payday loans, Damn would those punks out in Virginia beach roll my Shipmates around in dog poo wanting 800% interest paid back on a 15 day payday loan. It was so sad, because this ruined the credit of a few friends of mine that desperately needed cash to feed there families. It's not like your Rick James rich as an E-4,living on base housing, with 2 kids you have to support plus all the other stuff that goes a long with it. It was such a disaster. Payday loan building in VA Beach got torched by a few service members for pulling some disrespectful bs. I remember my buddy opened his first bill and his total owed for only getting $200 advanced to him was $1,600. They wanted the money in 6 months to. Like truly, the man just came to borrow $200 and now his payment is $267.77/month for the next 6 months. Ruined his marriage, his credit and screwed him over when he got back in to the civilian population.  So sad, now 30%. That is nowhere near great, but I've heard of worse and if your a now now now type of person I figure that it is actually a decent way of EVGA allowing us mere mortals to even have a spin with the top of the line Graphics Cards.

Geeze... welcome BACK to the forums?!  2 posts in as many years??  I remember a guy back in the 90's bought a used jetta for like 20 grand.. and It was probably 10 years old and a piece of junk at the time already.  One of those tiny car lots that say no credit, no problem.. just bring in an L.E.S. and you will be approved.  I hope many of these local just outside the base LEECHES all died and replaced by legitimate businesses.  However privates be privates and they will still make stupid mistakes.  Weird for being the "internet generation".  They are all FAR more educated then we were back then.  But just like us at the time they have all the intelligence out there... but lack wisdom.  The irony is this is how you acquire wisdom.  succumbing to things like this payday loans nonsense. 

 
Awe, not all were bad. I bought a 99 Chevy Malibu for a little under 9k in 2004. Fully Loaded, but just for a Malibu. Was 19 and Navy Federal gave me a great rate. Although, I still had it repo'd after I was medically discharged from the military for health issues and couldn't afford it at the time due to the fact its hard out there for someone with no degree, that expected to make a career out of 30 years of service and never had a back up plan. 4 years after I had the car repo'd as I was starting my first year of college, I get a letter from a Lawyer stating about a "Class Action Lawsuit" vs Navy Federal Credit Union since the Repossession notices did not adhere to federal law or some stuff. Entire debt was forgiven and removed my from Credit Report. That was the only blemish ever on my Credit Report. Sadly, Navy Federal is a great bank but even I am not dumb enough to get 4 grand tossed off my Credit report.

i have never used it although it looks intresting in another form of payment

Yeah, missing a payment will destroy your budget if things are already tight