SR
Shoki R
1 reviews | Active since Jun 2025
09 Jun 2025, 07:20
Very Disappointed – Misleading Experience with Float
I genuinely thought Float was a convenient "buy now, pay later" option like Payflex or PayJustNow. Based on their marketing, it seemed like a flexible way to manage payments over time. But after using the service, I realised that’s not the case at all. Instead of spreading out payments, Float took the full amount from the available credit on the card immediately — and then just turned it into a budget plan. That’s something banks already offer, so involving a third party like Float felt unnecessary and honestly, a bit deceptive.
What frustrated me most is how unclear everything was. If I had known the full amount would be deducted upfront, I would’ve just paid it once myself. The whole reason people choose BNPL services is because we have our own financial plans — this completely threw mine off, especially when it comes to managing household expenses.
To make things worse, the credit card I used wasn’t even mine — it belongs to my younger brother, and now I’ve had to deal with explaining charges that I myself didn’t fully understand at first. It’s stressful, and I feel like this whole experience could have been avoided with clearer communication from Float.
Customer service has also been very disappointing. There's no urgency, no proper assistance, and no effort to really support their users. Honestly, I would not recommend Float to anyone. It’s been a frustrating experience from start to finish. I wish I had checked reviews on HelloPeter before trying it out — now I know better.
Float, you really need to improve your transparency and customer care. This wasn’t fair to me or anyone else who expected something different from what was delivered.
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Float's replyOfficial
10 Jun 2025, 09:40Hi Shoki,
Thank you for your detailed feedback. We’re very sorry to hear about your frustrating experience and that Float didn’t meet your expectations. We’d like to clarify a few key points.
Float is a Buy Now, Pay Later platform that lets you split purchases into up to 24 interest-free, fee-free monthly instalments, using your existing Visa or Mastercard credit card. To clarify, the core benefit of Float is that it allows you to make big purchases without being charged the full amount upfront, which gives you time to manage your credit card repayments instead of dipping into your cash. While we do reserve the full amount on your credit card, only the first interest-free instalment is charged, and the reserve reduces as you pay each instalment.
We make sure to explain this process in detail in our "How it Works" pop-up, the instalment schedule at the time of purchase, follow-up emails, and on our website. The goal is to ensure that you can manage your finances easily without taking on any new credit or facing additional charges.
We are disappointed to hear your experience but value your feedback. If you have any further concerns please reach out to us on *** so we can adequately assist you. We see that the team has been in contact with you before.
Regards,
The Float Team
Thank you for your detailed feedback. We’re very sorry to hear about your frustrating experience and that Float didn’t meet your expectations. We’d like to clarify a few key points.
Float is a Buy Now, Pay Later platform that lets you split purchases into up to 24 interest-free, fee-free monthly instalments, using your existing Visa or Mastercard credit card. To clarify, the core benefit of Float is that it allows you to make big purchases without being charged the full amount upfront, which gives you time to manage your credit card repayments instead of dipping into your cash. While we do reserve the full amount on your credit card, only the first interest-free instalment is charged, and the reserve reduces as you pay each instalment.
We make sure to explain this process in detail in our "How it Works" pop-up, the instalment schedule at the time of purchase, follow-up emails, and on our website. The goal is to ensure that you can manage your finances easily without taking on any new credit or facing additional charges.
We are disappointed to hear your experience but value your feedback. If you have any further concerns please reach out to us on *** so we can adequately assist you. We see that the team has been in contact with you before.
Regards,
The Float Team
Best regards,
Float's reply10 Jun 2025, 09:40
Official
Hi Shoki,
Thank you for your detailed feedback. We’re very sorry to hear about your frustrating experience and that Float didn’t meet your expectations. We’d like to clarify a few key points.
Float is a Buy Now, Pay Later platform that lets you split purchases into up to 24 interest-free, fee-free monthly instalments, using your existing Visa or Mastercard credit card. To clarify, the core benefit of Float is that it allows you to make big purchases without being charged the full amount upfront, which gives you time to manage your credit card repayments instead of dipping into your cash. While we do reserve the full amount on your credit card, only the first interest-free instalment is charged, and the reserve reduces as you pay each instalment.
We make sure to explain this process in detail in our "How it Works" pop-up, the instalment schedule at the time of purchase, follow-up emails, and on our website. The goal is to ensure that you can manage your finances easily without taking on any new credit or facing additional charges.
We are disappointed to hear your experience but value your feedback. If you have any further concerns please reach out to us on *** so we can adequately assist you. We see that the team has been in contact with you before.
Regards,
The Float Team
Thank you for your detailed feedback. We’re very sorry to hear about your frustrating experience and that Float didn’t meet your expectations. We’d like to clarify a few key points.
Float is a Buy Now, Pay Later platform that lets you split purchases into up to 24 interest-free, fee-free monthly instalments, using your existing Visa or Mastercard credit card. To clarify, the core benefit of Float is that it allows you to make big purchases without being charged the full amount upfront, which gives you time to manage your credit card repayments instead of dipping into your cash. While we do reserve the full amount on your credit card, only the first interest-free instalment is charged, and the reserve reduces as you pay each instalment.
We make sure to explain this process in detail in our "How it Works" pop-up, the instalment schedule at the time of purchase, follow-up emails, and on our website. The goal is to ensure that you can manage your finances easily without taking on any new credit or facing additional charges.
We are disappointed to hear your experience but value your feedback. If you have any further concerns please reach out to us on *** so we can adequately assist you. We see that the team has been in contact with you before.
Regards,
The Float Team
Best regards,