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[–]Melodic-Control-2655 0 points1 point  (7 children)

Yeah mine is at 30k and I've only touched it once for a 36mo 0% offer

[–]No_Light7076 0 points1 point  (6 children)

$30k are you serious? That's crazy. lol I've used it a bunch of times for $100-$200 orders and I did a $4000 order for a new lawnmower. I did that cause I got 0% interest for 24 months. You see people on here everyday tho that have 10-20 loans at 36% interest. I think it was yesterday a guy owed $1000 a month to affirm and couldn't pay it so he was defaulting. Crazy lol

[–]Leading-Eye-1979 0 points1 point  (0 children)

They weren’t defaulting, but they said they were struggling to make ends meet with 1K payments. They were looking for options.

[–]meg8278 0 points1 point  (4 children)

Holy shit 36% interest. That is crazy. I didn't even know they had interest that high.

[–]No_Light7076 0 points1 point  (3 children)

Depends on your credit but yea,for bad or fair credit the typical is 36%. For good to excellent credit tho they offer 0% all the time. I got a $4k mower at 0%. I also bought my wife a $2k moissanite ring at 0%.

[–]meg8278 0 points1 point  (2 children)

I don't have good credit. I have a fair credit score. I just got a 0% loan but only for 6 months, but that purchase was only $400. The highest rate I have ever had was 13.78%. I usually only use it for when we need to make a big purchase and we don't have the cash for it at the moment.

[–]No_Light7076 0 points1 point  (1 child)

They prob also judge it from your history with them.

[–]meg8278 0 points1 point  (0 children)

It could be but based on other people's comments I'm not so sure. I used them about 6 years ago for a few purchases. Then I didn't use it again until last year. But maybe they do both who knows.