Affirm: Buy now, pay over time App Reviews

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Are you kidding me. So I've been a customer of Affirm for 3 years. Have paid off 6+ accounts, have one small one open now. Went to see what my new "Limit" was and BOOM,...I all of a sudden done meet their credit requirements. What really??? Never missed a payment, never been late. I'm like in shock... I never open otter spend more than what I can afford monthly and have chosen at times to put off my purchase because of that. My payment history with all my revolving accounts is 100% on time, Exceptional it says. I say to you Affirm .... you’re getting a little too big for your pants. You need customers like me and the thousands more you service. Honestly I'm done after I pay off this little balance I have left and ALL the people I referred and have done business with you STOPS. Now I'm going to openly blast you and your unfair credit practices. OH and 1 last thing... My yearly income just increased by about $30,000... I guess I'll be spending this money at your competitors Klarna or Afterpay.

Overall good but.... Easy to use, pretty self explanatory app. Enjoyed it a lot to pay for a jewelry purchase. However, if you make a payment, interest will still accrue while the payment is processing, which can take a few days. I made extra payments and set it up to do a final payment on the amount leftover, and had an item I thought paid off 1.5 months early, and I log into Affirm and it says I still owe 42 cents. Why would anyone pay all but 42 cents for an item? Affirms system left me unable to pay the remainder as I’ll explain further. No problem, I try to pay the remaining 42 cents, but it cannot take a payment below $1. So I think okay, I’ll pay a dollar, but no, it won’t take more then the balance due. This is not an acceptable set up. My interest rate is low so it’ll be a long time before it’s accumulated to be able to make the dollar payment. I wanted to have it paid off as of the last payment. Which should have been the case. The app should not be set up in such a flawed way that people cannot be able to make early payments IN FULL and their loans be paid off. If anyone from Affirm is reading this, fix this bug in your system right away and make everyone’s lives a little easier. These flaws only hurt consumer confidence in your system.

Worst company. Have had the WORST experience with Affirm. Tried to make a payment multiple times and there was an error. Checked with my bank more than once to assure no issue on my debit card/account. Called affirm and they opened a case for me and said they would reply in 3-5 business days. A month later, no response at all and now receiving late payment notices saying this will affect my credit score. I call Affirm back to let them know the issue is still happening and to make sure it doesn’t affect my credit since the issue is on their end. I am transferred back and forth and then speak to a supervisor which basically tells me there is nothing they can do and that my credit will be affected. Gives me zero options of other ways to get payment - I offered over the phone etc and tells me they can’t accept payment over the phone. Get transferred again and a representative tries to add my information to the account and that won’t even work so they say this is definitely an IT issue with the website. I tell them that affecting a customers credit when the error/issue is on them is not acceptable, they agree but say there is NOTHING they can do to pause the loan etc to avoid credit being affected. Honestly insulting and insane that no one can help when the company is at fault. Will never use this company again. And will take legal action if I am affected on my credit

Scary situation turned around by Affirm. I used affirm for the first time the week before Christmas because it was advertised at checkout. I filled out everything requested, selected my payment plan, was charged $478 and then Affirm never completed my order with Neiman Marcus. My items are still sitting in my cart. Finding their customer service information was challenging because I wanted to send a screen shot of the error message I got from their site when I submitted my payment. There is no email or online messaging option so I had to call. I hate calling 800 numbers. Glad I did. The customer service associates were pleasant and helpful. I was mostly nervous because their website said it would take 7-10 days to refund my money but luckily, with the help of a manager, that wasn’t the case. She gave me a one tome card to use to complete my purchase over the phone. All is well! Christmas is not ruined. Nice work with customer resolution training. Seems like you all really value our business.

Affirm is the best!. Out of all of the loan companies, Affirm is definitely the best. There is no crazy interest, no fees, no ‘90 days same as cash or you pay double what it’s worth’. Everything is clear cut and simple, the way a loan company should be. I’ve used a few others and at times I was fighting to make sure that I paid everything off within 90 days so that I wouldn’t be paying a ridiculous amount of money for a full year. Using Affirm has allowed me to have things that I normally would have to save for a long time to own. I always pay my loans off early and am able to get other things when I want or need it. I had my first experience at a Giants game thanks to Affirm. I will continue to use this company as long as they keep the same business model. Also, I love the fact that I don’t have to call them to change or remove a payment method, which I had to do with other companies. The app is super user friendly and I appreciate having this as an option to treat myself or my family every once in a while.

Quick and efficient. This app is set up easier than any other account I use for my credit cards. It is designed to be simple and straightforward so a user can get on with a thumb scan. A user does have the option of using their phone number to log on but that takes a bit longer. When you start using the app, you just give your account number you will have money withdrawn from, and either go on every month and pay......really takes less than a minute to do, or set up auto pay. They also have an option every time you log on to see if you are prequalified for future spending. No hard credit check for this either. I did this to buy an expensive exercise machine and I just accepted the offer and then was shown how to pay for it with the pre-approved funds. Be aware, once you start a loan with affirm, it does go on your credit report. Pay everything on time and hello higher score. Overall, best app I have used so far (and I use a lot of them).

Worked great until it didn’t. I’ve been using affirm for almost 2 yrs. Worked awesome. The app is no longer working great. I have never missed a payment and never was late. I can no longer use the app because it says it can’t verify my identity. Everything was working fine the day before it said I had 1500$ spending power now it says it can’t verify identity. When I saw this I immediately reached out to affirm. It’s been almost 3 weeks and have gotten nowhere. I tried all kinds of stuff like using shop and deleting the app and reinstalling all to keep getting the same problem. This has been extremely frustrating especially with school coming up for my kids. I am beyond annoyed and frustrated…. I have been loyal and I have made no mistakes. I would love if they had a way to resolve this stuff but Instead they just tell you your screwed and throw their hands up and say they did everything they could. Pathetic and disappointing…. Update: seems they have fixed the issue. Reversed my rating accordingly. When this app works it’s awesome.

Excellent Way 2 Pay!. I’m a Youtuber Jay Moore Reviews and I review movies, tv shows and products. I have been using affirm for a couple years now and it’s a excellent way to pay for what you need without spending all your cash at once or charging a lot on your credit cards. I have used affirm to pay for trips through Expedia as well as clothes and shoes from Nike. I love it! I could have paid in cash but then that cash wouldn’t be in my bank. I could have used my credit cards but then I would have to charge thousands on it and run my balance up. Instead I just pay monthly as I get paid and get everything I need and the best part is that I can prepay my balance at any time and save money on interest charges which is what I did when I paid of my Expedia trip to California! I love this app because not only do they have a great way to pay but they also have discounts for you when you shop which is great. I recommend this app if you need to build your credit or just don’t want to make big charges on your cards and want to keep some cash in the bank. In the end trust me you will be happy with the service 💯

STAY AWAY FROM AFFIRMs BANKING TOOLS. I opened an affirm account a long time ago when I had a different phone number, so I had to update it to login. Right away I was able to do this. I logged in and even though I provided 4 or 5 payment methods and two banks I was still denied. That’s fine my credit score is in the fair range. Before I was denied, I started putting money in am affirm savings account. After realizing now their service was useless to me I asked for the account to be closed and was told the balance had to be zero before I closed it. I explained that was the point. After this conversation I was locked out of my account by the old phone number I had just changed to be able to regain access to my account. Somehow I was able to login, put 250 in savings and search the site but after I want my savings account closed, I suddenly am unable to login to my account. This website clearly has a system that prevents you from regaining money or getting out of its grips, which outside of savings accounts I would fear for any purchase. Anyways I am hoping this will get some attention since their customer service which has told me a number of things is a joke.

Affirm App. I found this confusing at first but probably because I skimmed everything and didn’t read everything. When I was first given the loan it looked like a check and I didn’t realize that had to be used for one purchase only and what was left over wasn’t usable. I was booking a trip so I applied again for the AirBnB and the loan I was offered was much lower but covered where we were staying. That had my total loan at around 500 because I started paying it back and wanted to secure my car, I was then declined because they could not establish who I was suddenly. I have since tried 3 or 4 times but to no avail so I wrote in to the company today to see what was up. Until the not being able to know where I am the program was a cool app to use you just really need to have what you want already found and be able to have it as a single purchase. I haven’t given up on the app just because the simplicity of it is great! It truly was the easiest line of money to get and pay back. Give them a shot

Absolutely great, favorite loan app - unless…. I have used Affirm for years now. I think since early on in it’s inception. I have bought many expensive pieces clothing which made it much easier spreading out my payment over a year. In all that time and having bought almost countless pieces, I never missed a payment and frequently payed loans off early to avoid some interest. However, this past year brought some financial difficulties. During this time though, I had at least 3 loans out through affirm. I never missed a payment. Sadly, however, my credit score had gone down. Now, because of that, I can no longer get a loan. So much for a track record with a financial institution and being loyal to them. I would’ve thought with my track record that even a lowered credit score would have allowed me to continue to use affirm. But, nope! I’m very disappointed and once my score rises I will write them off as they have written me off. Shame on u affirm. Again, my loyalty, track record, and frequent usage means nothing to you. Oh well. I’ll use Klarna from now on. I will miss the good old days tho of using affirm b

Lack of consistency. In the beginning the app worked great. I was approved for various credit limits ranging from 2-3k depending on the merchant. That alone was strange to be. I mean, if a company is going to approve me then why is there a lack on consistency regarding the amounts I’m approved for. Anyway, I made some purchases and everything worked perfect. My payments were either made on time or in advance in an attempt to payoff my balances sooner. Then out of nowhere the app spontaneously stopped approving me. The pre approval amounts disappeared. There is now an option to request preapproval for certain merchants but I’m denied each time. The email they send, explaining the denial blames it on my credit score. Sure my credit has fluctuated a little since opening this account just because of another credit card that had been opened a few months back but nothing major. I just find it odd that a company and approve you, theb randomly decide not to. I’ll be paying off my outstanding purchases and closing my account. My only concern now is whether or not this will reflect as a closed account on my credit.

Use if you must but make sure you’re buying from a reputable seller.. Affirm is actually Celtic bank, according to the FDIC. You will find out the hard way, if you make a return or if you get ripped off, Affirm will not have your back and you will end up paying on a product you didn't receive or that you returned. Even if you do get a refund, it will be minus the interest and fees, which are significant. We purchased an airline ticket from Justfly (never use that company either), and cancelled it. Justfly charged me $75 to cancel the flight, so one would assume it was cancelled. NOT. They took the cancellation money, then they went ahead and processed the Affirm "loan" several days later. We have proof it was cancelled prior to the loan being finalized, we have proof they took a cancellation fee. Affirm literally processed a loan for a cancelled reservation, which is probably illegal, and refuses to reverse it. Of course, these criminals own the politicians that keep them out of jail, where they clearly belong. I have uploaded their response to the proof I sent them. Also, keep in mind that arbitration agreements do not prevent you from suing them in small claims court, where I will also get my court costs reimbursed.

Horrible service. I followed through with downloading the app to find out if I could be financed for an electric E bike after completing all the steps taking a picture of myself, my ID, front and back and my face next to my ID. I received an email stating they cannot verify, I am who I say, I am, even though you can clearly see my face on my ID. You can clearly make out the numbers, front and back and you can clearly see I am who I say I am, still I received an email stating they could not help so I proceeded to call customer service and ask if they could help me finish the process and find out how I can continue and their response was to write a letter now how writing a letter is going to prove that my ID, and in fact, picture of myself, and my ID proves, I am who I say I am without me, sending possibly a picture of myself and my ID with the letter through the mail I don’t see how that’s going to help at all. They had no idea how to help me other than write a letter which is utterly useless shop in short this app is garbage. Their customer service is garbage. Do not proceed with their app because if you run into issues, they will not have any way to help you. That would be my personal experience.

CAUTION. I had canceled an order because Affirm told me I asked for the exact purchase amount, but apparently you need a “5 dollar buffer” to process a payment. So if your total was 450 for a PlayStation, you need to ask for 455 from affirm. This is where the fun begins lol. Target had “already processed my purchase and therefore Affirm started a loan. Target Customer service denied that because a purchase isn’t fully processed unless you show up at the store and swipe your card. I reached out to affirm to let them know my order was canceled and that I was given a refund. Affirm takes 3-45, yes that’s correct! 45 freaking business days to process a refund! So I’m stuck with a 500 dollar loan until affirm decides to process my refund, which we are now on day 28. Target even cautioned me that affirm could take the full 45 days for them to give me the refund, which is ridiculous. Affirm tried deflecting the blame on target but it stated in their policy that even though you have been give a refund for a purchase, affirm will still take “3-45 business days to be credited” Also, you still have to make payments because it will affect your credit! Yay! This is what is so frustrating about their return policy. They need to make returns faster because I will never service again, and would definitely not recommend this trash to my friends.

Decent but qualifiers need improving. I do like purchasing things with affirm from time to time if I just do not want to shell out the money immediately. I have made a few purchases with affirm over the past couple years of relatively large value. I have decent credit and they were all approved, paid off early or on time, no missed payments - fine. But, on top of getting ridiculous interest rates, 20%+, I used affirm for a purchase of a couple hundred dollars for something I needed since I did not have a card on me at the time. Now I want to purchase something else, and can not get approved. So despite having over a 750 credit score, having never missed a payment, carrying high balances and all else, having the other affirm loan counts as a high balance apparently. It does not seem to take into account having previous loans with them among other factors, so I will not say I recommend affirm unless really in a pinch. Convenient to use now and again. But makes it not worth it because of the interest rates, approval odds/amount, and the algorithm for how it qualifies people.

Not very helpful. I called because I haven’t received merchandise I ordered over 4 weeks ago and honestly have no ideal if I’ve even getting it at all because I’ve had little or no contact with merchant and can’t get a phone number to call them. When I called affirm they gave me a bogus number that no one would answer or option to leave message. I don’t think it’s up to me to certify with this merchant as to whether or not they are gonna supply merchandise. Affirm wants my money it should be up to them to settle the matter, they haven’t given me any money so in my eyes I owe them nothing. I’ve went ahead and paid my payment on time becuase I don’t want my credit messed up but if I haven’t received the merchandise by the time the next payment is due Affirm won’t be getting another payment from me and I will be turning them into the BBB. You can’t charge someone for something they haven’t received and if that said company has already paid the merchant than they should take care of the issue. I have decided that’s why they don’t let you pay with a credit card because they wouldn’t be able to get away with this technique they use.

Saved Christmas!. I wasn’t sure if I’d be approved because I have poor/no recent credit, but I thought I’d give it a chance since it said it would not affect my credit score. To my great relief, my proposed purchase was approved, and I was able to get my daughter many of the things on her Christmas list. Without Affirm it would have been a very meager holiday since I hadn’t received my child support payments recently. The application was very quick and easy, and I appreciate that I was able to select the term and monthly payment amount for my new loan. I was leery of high interest rates, fees or other catches, but I found my rate quite reasonable and there were no additional fees. The terms are laid out clearly in plain English. It was also very easy to make my first monthly payment on the app, and I like that auto-pay is available but not required because some months I will make larger payments, pay early and/or use an alternate account for payment. I really appreciate this flexibility. So far, it’s been a very positive experience. Only slight nuisance is the deluge of financial offers I’ve been getting in my email since taking out my Affirm loan. But that’s a small thing considering it saved Christmas.

Fraud!!!!!. They are horrible at processing refunds. I bought a few Christmas items from Walmart with Affirm. I decided to return an item and get a refund. I sent the product back Nov. 28th. Walmart sent me a text message and email letting me know they processed the refund on Dec. 5th. I’m still waiting for a Affirm to process it over a month later. I have spoken with costumer service twice. The first time I was told it would take up to 45 days to process, and today I was told 60 days. Their site says it takes 3-10 days to process. Also, the representative I spoke to today said it shouldn’t have taken this long and she couldn’t tell me why. She suggested that I submit a “DISPUTE” and they would investigate it. Which is what I thought I was currently asking her to do. I was told to hang up with and go online to submit this “DISPUTE”. I still don’t understand why she couldn’t initiate this during our call. This is an inconvenience when already having the company on the phone with my account pulled up. Meanwhile, since my refund isn’t showing on my account I will have to continue to pay the entire amount due or they will report negatively on my credit report. I’m pretty sure that once I pay this account off it will close out and they will be even less inclined to refund my money. This is my first and last time using this service. Be careful!!!

Over rated. Bought a pricey Christmas present where I found affirm to be convenient for partial payments however all convenience was squashed when I tried signing up for affirm. The sign-up process was a lengthy, jumpy, and extremely annoying. I had to ask the store to give me a discount because they don’t do partial payments over the amount of $600. This might be because of the new tax law in place so it’s not technically affirms fault, but that doesn’t change the fact that the process was not a fun one with little to none support. Also I set up auto payments three times and I’m still getting text messages that my payments are overdue. Why is this happening? Also, Affirm on safari browser is broken. The three lined menu next to shop is broken, the size of the mobile version is not scaled to fit which it’s hard to navigate because every time you try to scroll It just moves the screen around. I work for another software company so I am quite tech savvy but affirm really rubbed me the wrong way. Just downloaded the mobile app to see it changes my mind. Hopefully I don’t waste another hour of my time

NO RESPECT FOR FRAUDULENT ACTIVITY. I contacted your establishment nearly 1 week ago regarding fraud charges on behalf of my account to Fashion Nova and EBay. I DID NOT MAKE THESE TRANSACTIONS. I am VERY DISGUSTED AND DISAPPOINTED in the lack of concern your establishment has shown. I received a notification today that affirm found me responsible for the charges of which there has been no documentation or true investigation completed. These purchases were made WITHOUT MY CONSENT. I called immediately after seeing these transactions on my PNC bank statement and asked them to be cancelled. THESE ORDERS WERE IN FACT NOT CANCELLED and I received notification of that yesterday. If these transactions are NOT removed from my account and NOT refunded to me I will be discontinuing ANY AND ALL further activity with you, as well as seeking legal action. This is absolutely ridiculous and not customer service in the least. These transactions were completed with a “virtual card”. How did a virtual card even get linked to my account in the first place? I never received emails about the purchases until yesterday stating that the “loan had been accepted,” AFTER I CALLED AND ASKED IT TO BE CANCELLED DUE TO FRAUDULENT ACTIVITY. It is clear that affirm has no respect for the security of my information, or that of others using your services. If you ACTUALLY INVESTIGATED you would see that these purchases are not even being delivered to my address! TRULY DISGUSTING.

Easier & Safer. So, you use your credit card on line, right? Typing it in at lots of sites you think it’s ok to trust - humm. Affirm is the tuff guy that holds your credit behind a wall of security, it is like your Bank. You no longer type your personal credit information anywhere (that accepts Affirm). Affirm securely holds your personal info for you. You will never type your Affirm account # any where. Your data can not be stolen if you never type anywhere. When you buy something you click the Affirm choice, Affirm pays for your purchase in-full immediately. Now you pay Affirm monthly payments. Or, take your 30 days of free money and pay it all off on the first payment = no interest. Yaa Safe, Secure, Easy - you can schedule payments for any date or pay on your due date. You can pay more then the due amount. You can also set up auto pay. BUT, I like getting my Phone notification (about 8 days in advance) then I decide how I’m doing that month and schedule a payment right then. Usually, 30, 50 or 100% of the bill. I really hate interest but that’s the C.cards, Affirm’s, & P.Pal business. Their product is money - we’re buying their money (they pay for the purchase for us) for that Service they get paid a fee / that’s interest. If you pay it all on 1st payment the Service of using their money and securing my personal data, and my credit information is all free. Nice! 5 Stars

Pretty good…… sometimes. Affirm is good for large purchases if you’re able to get approved. I had issues getting approved at first and my credit was good. Affirm doesn’t list a minimum credit score to qualify for a loan, but some websites state if you have a 640 or above, you’re more LIKELY to get approved. I don’t think that’s truly the case because I had a credit score well over 640 & I was still denied at first for small purchases less than $400. Then I was approved for a purchase of $2000. It doesn’t make sense at all. Every time I login in, it tells me I need to get pre approved again! My pre-approved amount always changes. I was pre-approved for one amount and when I logged back in, the amount was significantly lower. More than likely I will not use affirm again. I’ve paid off loans with them & even paid off some loans early & I was still unable to get another one. Another issue is, I doubled up on payments for one month, I thought it was go towards the balance for the next month & it did not. I still had to pay for the next month. If I would’ve known that at first, I would’ve never doubled my payment. Instead I would just continued to pay month to month. I’m not really sure how Affirm works but it’s a major headache. I will stick with other companies. The upside is, the interest rate isn’t that bad. Far less than other companies.

Affirmative on Affirm App!. This app was a savior in a rough time for me. I had a huge expense essentially eliminate all of my savings at the time, and wouldn’t you know it - suddenly I needed more money for a flat tire. Doesn’t make much sense to replace one tire at a time, so at bare minimum I needed to get two. I had a few days left before payday so I needed a good chunk of money to make my purchase and I was talking to my sister, who told me about Affirm. It was so simple. No credit check. No hassle. I put in my information, and was approved for way more than I needed. Making a purchase was just as simple too!! This app is so easy to maneuver, and to get the money you need - and to pay back. The interest rate is high, but if you pay it back early and timely, the amount paid towards interest is worth the ease and ability to borrow money from a lender from an app. No phone calls, no pesky questions, no credit checks, and I get money for my purchase. It’s amazing. You cannot use this with Apple Pay or to send money through Western Union or any of those apps. It’s all electronic currency, nothing you will ever be able to put in your hands.

Annoyed. I have used Affirm for several large purchases over last few years. I have recently had an issue with purchases from an online company. When I attempt to use affirm I am asked to confirm my information. When I enter my information I receive a message stating my identity can not be confirmed and that I can pay in full. Every time I have used affirm for big ticket items, $1200+, I have paid the loan off well before the term of the loan. Affirm customer service seems non-existant. I was asked if I would like to update my review. Here is the update Affirm help features are not helpful. I want to know why a particular online retailer, with whom I have used affirm in the past, is being problematic. I ysed affirm for online purchases in the last 12 months and 4 months with two different companies with out issue. However when I go to check iut with this particular retailer the affirm option asks me to verify my identity and when I provide my information I receive a message stating my identity can not be verified. I have been contacyed by Apple to tell me affirm has reached out to assist. The only assistance provided are links to articles none of which are helpful. If I could rate negative or at least zero stars I would.

Just some credit info. This app came in handy when i needed! BUT please understand each loan you take no matter the size does show up on your EXPERIAN credit report. I was approved for about 2500$ I made purchases at multiple retailers. Thought nothing of it till I seen my credit report. My fico went down for having a consumer installment loan. Not knowing having 9 loans at the time. Also it shows as closed accounts when paid off. So safe to say my score will be going down yet again because I now only have 3 loans left so. I will have 7 closed accounts on my report (originally had 10 from affirm all equaling 2500$ in total) so although you get approved for one lump sum. If you shop at different retailers it will all come up individually on your experian. Also before finding all this out I paid down my loans and attempted to get another for an emergency and was denied twice. First time for supposedly being unable to verify identity smh and second for having two many open loans even though the balance was down to less than 1000$. So if you reallyyyyy need to use this please stick to one loan period. Even when paid off do not use again

Fraudulent. I would give this app 0 star if possible I was hacked using this app and my card and bank information was given to hackers who used my account to purchase credit for a track phone I immediately called affirm to let them know what happened and for them to cancel the card they assured me they will handle it after the charges cleared only for them to do nothing to help me. I kept calling them to know the status of my case and everytime I kept getting dismissive people who didn’t really care to help me. I was asked to wait for them to investigate not knowing they only wanted the charges to process so I will be responsible for the payment. How can I be hacked by this app and asked to pay the charges. These people are all Freuds the money was used to purchase credit on a track phone that alone is suspicious they claim they are helping me to investigate meanwhile all they were doing was waiting for the charges to process so they can take their money and I would be responsible for a payment that was not made by me . Everyone be carful this app is not what it used to be hackers have access to all you information and affirm does not do anything to help you when your information has been hacked!!!

NonAffirming. I’ve used this app and credit for a while now and with ease. I’m finding that with Covid the company is not willing to help, being that I’m once again in CA and unemployed and the monthly amount is more than what I should be paying as I had a return which is not credited to monthly payments. Furthermore the app has been unavailable to change payment information and even after updating I get a message that my balance is overdue by more days than it actually was. I’ve tried communicating with through the app but the options for real help aren’t offered and the email provided doesn’t work. In this day and age of non human contact the banks are constantly issuing new cards due to possible hacking or fraud then additionally harder to get any credit company to follow through with issues or assistance. It’s like half truths and the just the idea of helping is enough for them to get a big tax credit or break for COVID times without honoring.

Great functionality - hard to manage personal account. This app is super easy to use and has gotten me in a lot of trouble as it relates to shopping! I love the convenience of Affirm! It is a unique and wonderful alternative to debit or credit, and I don’t feel the pressure of credit scores or income when I need to use this as a medium for purchasing. What I do not appreciate is when I moved, it has been a royal pain in the tail bone to get my address and phone number changed. It is irregular to most companies where you can edit the info yourself; rather, you give them your new phone number and then await a call from them hoping it will come through at a convenient time so they can verify you actually changed the information. God forbid someone else grabbed your phone and changed it for you. I have played phone tag with them for over a year and my billing address/phone number are still incorrect. It’s ridiculous. Aside from my frustration over the despicable account minutiae, I appreciate Affirm and find the concept to be appreciable as well as convenient for daily transactions.

Good Financial Tool. Affirm is a good financial tool for people with not so good credit who may want to establish that lender/consumer trust again. Start small and work your way up. The more you show your ability to repay, the better chances of getting approved and earning higher spending limits. Interests rates can be pretty high so it would benefit more to choose the shortest repayment term, but overall Affirm has been exactly what I needed it to be. I have recently gotten the savings account they offer with a 0.65 APR. I work at a financial institution and that rate can’t be beat! I highly recommend Affirm for people who are in the 600 range credit score. I’m not sure if their interest rates are better for people with better credit or how it would benefit someone who has good credit and wouldn’t otherwise have an issue obtaining credit anywhere. The only reason I give 4 stars is because they don’t report to credit bureaus. I’ve had 5 loans with Affirm and none have been reported. That could have greatly benefited me in helping to improve my credit score.

Customer service. I have been trying for weeks to get ahold of someone at affirm. None of the emails listed works. It always comes back and says we are not monitoring this box at this time. It even did it when they sent me an email and it said to reply to this email. Same thing happened. We are not monitoring this box. It also declined me on a buy now pay later 4 payment option and kept saying I was applying for a 6 month loan and my credit score wasn’t high enough. They are not suppose to even run your credit so I don’t know how that even played a part in it. I have had many buy now pay later plans with different companies and I have never had this problem and have always been given a credit limit which affirm does not do. I was on a site for hours then got turned down for credit I didn’t even apply for. It never even gave me the option it just went straight to the monthly payment plan and yes this site did accept affirm on the biweekly option. It had already told me what my payment would be. I’m going to contact the BBB if my credit was run cause it shouldn’t have been and I’ve paid every payment with this company and have no reason to be turned down. Worst customer service and buy now pay later program out there!! By far.

Awesome Service & App!. This is a such great financial service. I really like the fact that there are no hard credit checks performed and the terms are not the same as a traditional credit card where there is a revolving balance. They have an extremely extensive listing of participating retailers in multiple categories such as clothing (including super high end like LV), beauty, home appliance & furniture stores, and even some major airliners plus travel services such as Expedia! Travel expenses, especially if you need to make plans last minute, can be extremely costly, so having the option to use Affirm to fund your purchase instead of putting it on a credit card is awesome. I also love the fact that you can get an estimate of the amount you may qualify for, and that the total you’re ultimately approved for isn’t fixed. Another thing I appreciate is not being penalized for paying off my loans in advance. Oh, and the app is just as fantastic too. Super easy to navigate, straight forward FAQ/answers, and is very aesthetically pleasing. I am so, so thankful for this service, 5/5 stars all around!

Don't prioritize these payments they mean nothing for repeat customers. I have used a firm for years, and I've always made a point to make my payments to Affirm on time so that my credit history can remain good with them. Even when my personal credit took a hit. I made sure to always prioritize these payments only to find out that it's to no benefit to me to prioritize my affirm payment, because they will reduce my amount based upon my credit, no matter how large of an amount that I pay back directly with them. I have Financed over $900 with affirm before and turned around and was denied for $200. While never making a late payment or missing a payment with Affirm! So don't be like me guys do not prioritize these payments, in the grand scheme of things it means absolutely nothing to them they do not value repeat customers. Zip has been one that does not drop my limit based upon my credit score and I make sure that I pay my things like this on time because I love to access these type of benefits. I made my final payment to affirm today and I won't be back just like I do not frequent PayPal pay in 4 either for the same reasons. Zip pay constantly increases my borrow amount based upon my payback . I won't be using y'all even when my credit is up to par these things matter the most to me

Was great now NOT so much.. So I started using Affirm back in 2018. I started with a lower approved credit amount but paid the first one off and I was able to get an increase. This happened time and time again for a total of NINE paid off loans without ever having a late payment. Recently I had a large revolving credit line with not even half being used, the app decided to pre approve me again and I was informed they could not approve me for a loan and the decision was final. There have never been any late payments to this day, NOT ONE. I still have 4 open loans and have paid them on time as well even through this pandemic. I emailed Affirm and the generic robot replies I received clearly indicated they didn’t read or care about what I had to say. One of the deciding factors was my PAYMENT HISTORY or lack there of with the company. They use trans union for credit approval but report to Experian who shows I have 100% payment history with never a late payment. There were more issues but I’d be here all night typing. I was so happy and pleased with Affirm, I bought things I wanted and rebuilt my credit, they made money off me. Was a great win win for both parties. I’m one person with a MILLION behind me to take my place so why would they give a @%$^?

Disappointed. Affirm I believe is a good app. It helps you get where you need to get, buy what you need to buy without having to wait or pay the whole amount at once. But I’m so disappointed because I tried to purchase a package hotel+flight and the app Long me out. Out of nowhere. I tried again and to my surprise there was no money in my account. Then send me a email saying that “ the purchase got canceled, and I would get my money back 3-10 business days. Now I have to wait who knows if the whole 10 days to buy my flight when my trip is in 3 weeks. I don’t got the money in my account so I can’t even buy what I need from another place since they took all my money. I tried calling them and the answer I got was “It was probably a glitch but there’s nothing we can do for you but wait” I asked them if I could get it as credit cause I couldn’t wait more then a week cause the prices would go up and they said no. I asked if they could pay for the prices difference and they said no. I tried calling again because maybe the lady I was speaking to was new or maybe she didn’t feel like helping me and when the guy answered I got the same answered. I just don’t understand how I gotta pay extra money for something that is not my fault for a glitch that the app had at the moment. I don’t understand how a they would take all my money if the purchase never even went through.

Where is your customer service??. I have gone through every website only to find nothing, no number to call, no email to ask questions. My purchase was declined through the card that affirm gave to Macy’s, so they called me to give them the card and info, again only to get declined! The card wouldn’t go through, I shouldn’t have to deal with any of this. Clearly this is something that needs to be done through affirm and Macy’s but because they have no information as to how to follow up or contact them they called me. Long story short, I couldn’t get the couch I wanted because the card didn’t go through. The whole transaction got canceled by Macy’s due to the card getting declined and me not able to provide more info, And when you got to the online affirm site, they make sure you have no number to report this back to. It’s like having a credit card that gets declined with full credit and no number to call for help. Beware.

I’m done. Don’t get me wrong affirm is pretty cool and it’s nice to be able to make small monthly payments on bigger purchases, however the interest rate is really high and the virtual card and customer service is a mess which is why they get 1 star. They do however offer interest free options on certain items at certain stores. They give you the option to pay in store using a one time use virtual card, however, what they don’t tell you is making a return if need be is near impossible. After you use the card and depending on the store you can’t get a refund, so you be stuck paying for items you don’t want. Also, customer service is a headache. No shade to the workers, however, there is a language barrier which makes getting concerned resolved difficult and to top it all off they don’t even know how they own products work!!! It’s just a mess. So if you do plan on using this service still to online use because it’s less of a headache and you can get a refund if need be. After I pay off my purchase I’m dont plan of using affirm ever again. I would say stick to klarna, afterpay or one of those options, interest free and less of a headache!

Great way to pay!. I've been working with Affirm for approximately three years. I find they are fair in their lending practices; they set realistic goals for repayment and are available for conversation if something should come up that interferes with one of your prompt repayments. Unfortunately, I have had to make arrangements to change one or two of my payment dates due to illness. The conversation with the Affirm Representative was very helpful and kind instead rude or combative; I’ve appreciated the assistance I’ve received from the each Affirm Representative no matter why I called for help. I believe that Affirm’s good customer service is a reflection of who they are and representative of their decision to assist and support the people in making purchases they would not normally be able to make without a bank loan. Affirm offers individuals a modicum of trust from the banking community. For honest, hard-working people who pay their bills Affirm allows you to bank on your integrity so to speak. Make your payments on time and Affirm will continue to trust you. Thank you, Affirm.

Awful!! Mediocre.. I made an affirm account a year or so ago and stopped using it. Once i decided to start using it again I couldn't even sign in, so I kept entering my email so it would send me the link to verify my phone number like I didn't already put in my password and ssn. However, I never got a link and the app told me I have to wait 3 days or call the customer service number to verify so I called the number. Took an hour to get any answers or results, then after that they said they were gonna send me another email in 3-10 days to verify and I waited yet Another week. No email. Another week later I tried again on the app and after verifying my number and actually getting an email from the app, then it said "for security reasons you can't verify on the app call customer service," so I called customer service and had to speak with two different people. The first was no help and the second told me that my number couldn't be verified because the email that's been connected to affirm for literal years now, that they also just sent me an email in to verify my phone number is not verified. So they say they're gonna send me another email in another 3-10 days in order to verify my identity. At this point I could already afford to buy what I needed Affirm for, or I'll just use another service. -1 star, worst experience ever.

Company great ,app ok ... I had a long and detailed review, written out, accidentally tapped the side of the dialogue box, and my review disappeared. Which is nothing to do with affirm, It’s an annoying issue with in the App Store.. so this review will now be abbreviated. Affirm, as a company in my opinion is outstanding. The app for the most part is very good also. I have only two small issues with the app itself. First is that Face ID does not work when I’m using My iPad, works fine on my iPhone (both of which are new within the last few months). Second issue is just in the appearance of the app itself. It looks like the app is the iPhone version of the app when using it on my iPad.. I recognize this “ issue” from apps i had years back that only had an iPhone version that I could install on my iPad. It leaves most of the screen black and only the very center is used for seeing the app. I wanted to give 4 1/2 stars but only whole stars are allowed within the App Store rating. These two small issues I have with the app are of only a small inconvenience and I can live with no problem. Just figured it’s worth mentioning in a review. Otherwise, I see no reason why I wouldn’t have given five stars.

Terrible customer relations. I used an Affirm loan to buy 2 computers, but I I had to return 1 and exchange it for another. Apple refunded the price of the computer to Affirm, and I used some of my remaining balance to get another computer. Affirm created a second loan, and when got the refund, it applied it to end of the first loan. I now had 2 loans totaling the amount of the first loan, but the first loan did not decrease, nor did the payments. So, I went from having a $173 monthly payment for 2 computers to having 2 loans totaling $260. But, I still had only 2 computers. There was no number listed to call, so I did the online form. Affirm refused to help me get back to the original payments of $173 a month, but they gave me a number to call. The person was in a call center, and all they would do is read a script over and over and refuse to help me. I told them I could not afford the payments - that the new arrangement was half again as much as the original payments, but I only had the same number of computers. Finally, in frustration, I took out a personal loan to pay off the Affirm loan. The least I could do is keep them from stealing more of my money with their shady business practices.

Affirm opened up a whole new chapter in my life.. For a young person who is mostly responsible with their money, Affirm is a gift from above. Affirm allows me to make the purchases I’ve always wanted, but could never afford on my current budget. Both the IPhone App and the online website have such a user friendly display. It shows you precisely when and how much you will need to pay each month along with the total left of your entire purchase, including the breakdown of what you are paying for. On top of that you can even pay early to stay on top of your purchases. In my experience with returns, they are a breeze. I sent back the product I bought to the company I purchased it from ( ECS Tuning ), and within three days of leaving my local FedEx there was a return taken right off from my affirm payments. Overall if you are responsible with your money and have good experience with paying monthly bills ON TIME... affirm is a great way to allow those expensive, in my case recreational, purchases into your budget.

Customer Service has been 0 help. Scam.. I was scammed on Google by a fake ticket master website. I thought it was ticket master but it was not. I went to purchase 2 tickets using affirm and found out halfway into the process this was a scam site. I tried to contact affirm support about the issue and they told me to contact the site. Which, if it’s a scam they are obviously not going to help. I contacted the site and they said we do not do refunds but I can sell my tickets and told me to click on a link to sell and that it was ready for sale. How could I sell tickets I DIDNT EVEN OWN YET? I told this to support and they did nothing and did not look into it. They claim I owe them $1,000 when I never got my tickets (because they also said I would get my tickets THE DAY BEFORE the event so that’s how I knew they were fake). The concert was 3 months ago and I got them through ticket master. All I’ve been getting go is emails from affirm that I owe them $ for something I never received. Customer service has been no help and now they claim I am going to bill collectors when it is not even on a credit because I didn’t even FINISH THE CHECKOUT. This is my FINAL attempt to get ahold of someone who can ACTUALLY cancel this. HELP!

Very good financing. I have poor Credit and was very happy with the help of affirms financing. It’s great and cheap. Even with my terrible credit I received 15% which is much better then the 19-21% on cards I get. 15% is still high but for those with even better credit would reap much better benefits. Got 450$ financed for only 38$ in interest over a 12month payment plan. And the app is very easy to use. And doesn’t start the actual payment day until your order is shipped. So even thou my Order was placed on sept29th. I would log on affirm every day and watch it go from the 1st. To 2nd to 3rd and add by 1 every day until the 7th when my package arrived at my house. Which is great because the high quality websites I use have parts coming from Germany directly for my car and so shipping takes 1-2 weeks and instead of being 2 weeks into my order and having 2 weeks to pay my affirm account It didn’t start the payment dates until i received my items. Will be using affirm from now on over any financing program for a long time currently.

Misleading data. After speaking with more than a few service representatives as too why misleading information is given I’ve come to the conclusion that this service is just terrible. Pre approved for a limit of $900USD however if any transaction is attempted even in an amount of less than $10 it will be denied when pressed as to this conundrum they simply parrot the email will explain the email will explain etc something about FICO score however any credit reporting site (credit karma, etc) not only shows an increase in overall score mid 600’s but they continually act as though you’ve never used their platform before (which I had for more than a few purchases easily equaling into the xxxx’s) but multiple other platform with access to the same exact information are more than willing to take the very same loans even from places such as PayPal which is notorious for being picky. So what I’m saying this is a service aimed for the upper lower class and middle classes that actually won’t work with any of said people if they have something like a loss of income from a world wide pandemic and are forced to miss 1-2 payments on a car note because housing is more important. Yeah fk this company.

Not as Good as it use to Be. I’ve been using Affirm for over two years now and it was absolutely a godsend because being on a fixed income, it enabled me to purchase gifts for those that I hold near and dear to my heart, but lately that is not the case. I have ALWAYS paid off my loans 3 to 4 months in advance and my loan amount has gone up substantially but as of Dec 2023 when I went to make a purchase I was asked to give photo ID to verify my identity through some unknown company. The documents they asked for was a passport, drivers license, nationality ID, and some other which I’ve never heard of. I was extremely reluctant because of all the scams & phishing technologies used to steal one’s identity which I was already a victim of. Reluctantly I submitted my retired law enforcement photo ID and they claim they could not verify my ID. I then called and spoke to an Affirm representative who could not tell me why and told me they would email me in 48 hrs to let me know. The representative was hard to understand an unsympathetic to my dilemma. I feel this company’s business practice is no longer reputable therefore I will pay what I owe on the purchases I’ve made and take my business elsewhere. I DO NOT recommend using Affirm

Disappointed. I am disappointed in a firm because I have made my payments every two weeks been months ahead on each loan FaceTime I used a virtual credit card but all of a sudden it made where I could not have a virtual card that I wasn’t denied and I got the balance total paid down it’s acting as if I have not made good on my payments which I have extraordinarily over and I know I’m like do you in like September or late August like when I was like made payments early. So I don’t recommend this at all it doesn’t do as it cleans especially not for your credit like if anything and hold it against you even though you’re making good with them you know mine is due from a horrible husband and divorce so I’m just on top of everything else I don’t know if I review if I misspelled words because I can’t even see what I’m typing which is weird trying to clear up what he destroyed for me and try and get my life back and everything and yeah I thought this would help but really it’s not I don’t know it’s just very disappointing because like I said I’ve made good with them but they like acting as if I haven’t I don’t know if this is the app or the actual company but yeah I don’t know I don’t recommend it

So Thankful For This App!. Being a single mother on a limited budget, having an app like this is a godsend! Last October of 2021, my water heater in my house burst! After a good friend tried welding back together the corrosive broken water pipe on the tank, praying on a miracle since I didn’t have an extra 1k to spare at the time, I was stuck in bad place. As you might have guessed, there is no fixing a broken water pipe. Having no hot water for a week, I priced every water tank from multiple companies and tried moving money around to afford a new one. I found a pretty affordable one online and seen it was giving me the option to pay through affirm. So I downloaded the app and filled out the info to see if I qualified. Shockingly, they approved me for the $650 water tank and I only had to put $100 down! I think I had exactly $115 in my bank account at the time. What a miracle! 🙏🏼 With $50 a month payments, I was able to pay it off early too. I just used it for a 2nd time and finished paying off another expensive item. Thanks affirm for helping out us poor people afford things that we really need!

Love this App. Affirm is the best way to finance larger items or items you can’t afford without a little help and affirm charges or sometimes it’s interest free too but it’s a one time low interest fee that’s all and they schedule payments throughout the amount of what your financing. If your late with payment they don’t charge late fees which can be so much money with a regular credit card that totally is uncalled for when your only an hour of a day late with your payment and I think regular credit cards rake us completely with their interest charges too and over the credit limit fees., whereas affirm doesn’t do that at all ! No hidden fees at all and it makes it so much more affordable.. I love affirm and the app is user friendly as well which makes it all so much easier to purchase an item that you want but otherwise couldn’t get because it’s not in your budget., try it out it’s excellent !

My FAVORITE way to Level Up my life!!. I have been using Affirm to make larger purchases for the past few years, and Affirm has enabled me to purchase 2 Rolex watches - one for me and one for my wife - which I most likely never would have purchased otherwise. The convenience of qualifying for a purchase, making the purchase, and then making automatic payments to Affirm on my purchases is unmatched - period! What I love even more, however, is the ability to have a savings account with Affirm!! Affirm gives me the ability to automatically deposit funds on a weekly or monthly basis, and as a result I have been able to grow a fairly substantial little nest egg without ever thinking about it! And as if things couldn’t get any better, Affirm allows me the ability to withdraw funds and have them automatically deposited into my checking account whenever I wish, which I have done a few times when unexpected expenses have presented themselves. I haven’t found an easier or better way to save money in the past, and this savings account has been a real lifesaver on more than one occasion. I highly recommend Affirm to everyone I know and anyone I meet!!!

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Create account didn’t word. Tried to create account, Didn’t work.

Great app. Easy to follow love it

Bad system Affirm. Without reason affirm took my $45 I had thousands dollars in my bank account. They cheaper declined my $216.11 payment And charge me $45 Really cheap

Good App. Needs a Dark Mode Option. Good app. I just wish there was an option to update your billing address without having to call-in and spend 10-15mins verifying your information with a rep before they change it. Also it would be nice if we had the option for dark mode.

Fake reviews?. Everything about “affirm” needs lobbing in the trash can: website, app, Philippine customer support, faq rabbit hole. Emails they send by “system error” Can’t believe Amazon use this junk.

Great Experience. Affirm has provided a great experience hiding some of my Amazon purchases from my wife!

Don’t use. Absolute garbage company

Payments. Very easy to use

My app. My app does not give me a store that shows me what I owe and my profile 2 pages nothing else

I feel cheated. You gave Nova Bed credibility by being on Nova Bed site, I could have used my Credit card to make the Nova bed payment but I trusted your company which I totally regret. Nova Beds never made delivery but you refused to accept my dispute, you also threaten to report my account to credit bureau as though I refused to pay for a legitimate transaction. I cannot trust your company and cannot recommend you ever!

Great so far. The app is very easy to use, clear and straightforward.

Frustrated. Having a hard time trying to set up bank card for payments. Keeps kicking back my postal code and tells to to retry. Most frustrating as you can’t speak to anyone to get it fixed. Don’t want to mess up my credit score:(

Awesome app. Thank you afirm

Good company. It’s easy to understand your transaction with them using their app. Thank you. Kudos!

For those who can almost afford to pay up front. I’ve used this twice now; once for a computer and once for a sauna blanket. I couldn’t have done it without Affirm. I’m grateful that this exists. Thank you!

Can’t even create an account. I’ve never used anything like affirm before and when I put all my information in it says “based on a stupid eligibility check that we aren’t going to tell you about you aren’t eligible according to the standards we set and never told you” like this is probably one of the dumbest marketing ideas ever and I really feel sorry for that guys parents for bringing such a peice of human garbage into this planet, and may whoever created affirm loathe themselves to the day they die Edit, been a year and it still doesn’t work, I guess they aren’t a credit company, nobody should use it, stop feeding their children and they’ll think twice about making a service that fails to uphold what it says it will

Can’t access my account!!. Can’t access my account!!! Been 7 months!!

Simple but effective.. I like the app. It’s simple. And it connected my account immediately this time. I just can’t find what the initial balance was. But I’m very bad with simple apps. I have no complaints. I’d recommend it to keep track of your affirm balance and due dates.

I'm paying and I don't see what. I communicate and they never answer, I am paying two devices month by month, the balances of what I pay do not appear and everything appears at zero, if they do not solve it I change my bank account and that's it. can you help me?

Harrassment. I was 2 weeks overdue a payment and they called me 3 times daily a good 5 of those days, it’s boarderline harassment.

Up and down makes no sense. I made a purchase of about $1000 had 12 months to pay I paid it in just a few weeks. Now I can’t get approved for anything??? Really? I obviously showed I can make the payments so what’s the problem?

Can’t create an account. It doesn’t let me enter my home address

DO NOT GIVE THEM YOUR INFO. Like so many other reviewers, I chose Affirm to pay an Amazon order over 4 payments with zero interest. But as soon as I submitted the order, I got an email telling me I wasn’t approved for the agreed on terms, but they’d cover it with 18% interest. Not what I agreed to. I quickly went in to my amazon account and hit ‘change payment’ on all items but one (that I couldn’t cancel or change payment). So, I thought I’d just leave it and pay off this one item right away. Except Affirm still took out the initial downpayment for the FULL order (which was over DOUBLE the full price of the ONE ITEM I had with Affirm) and still has payments coming out after that. COMPLETE SCAM COMPANY. DO NOT GIVE THEM YOUR INFO. IMPOSSIBLE TO CORRECT ANY PROBLEMS.

Apple. They give you a lot of information and they are very nice

Can’t even create an account. I am trying to create an account, didn’t work due of verification eligibility, I want to see how that works if I pay every month something online.. USELESS APP

Excellent. Thank you Affirm you guys help me a lot in times of crisis you guys help me keep up the good works I can share my experience to my friends and family. Regards, Marygrace

Don’t get. This app is great initially thought such a great idea you can get monthly payments on Amazon purchases for things you can’t pay for at the moment, but after a year of making payments I’m so happy it’s over they would say payments are coming out this day and about a week later they take it out when there was not enough money in your account, then would blow up your phone calling you everyday, long story short if you don’t have money to pay for something just save up don’t use this app

Frustrated. Cant make an account!! Useless app!

DO NOT GET A LOAN WITH THEM. I bought something on Amazon a month ago. I wanted to pay it off in full today. These guys are trying to charge me for the remaining 9 months of interest; even though I want to pay off the item today. They charge you monthly interest, which is fine. This company is a joke. You’re better off going with after pay and sazzle

App is fine. Service is terrible.. For six months now I’ve been trying to update my phone number with affirm. They keep “escalating” the problem but nothing gets done. How do they intend to reach me if needed? Extremely irresponsible creditor.

2 payment plans but they refuse to create an account. I have 2 plans with Affirm, but the system has refused to allow me to set up an account. Now have no way to monitor or verify the payment plans. Will never use Affirm again.

Fix the app. I have multiple purchases on affirm and I like to go through and make early payments and additional payments but as of late the app and the website are not showing any of my purchases and payment dates they have all be completely wiped and I cannot locate any of the information on them. Even in my past payments there’s nothing documented there even though I’ve made multiple purchases and completed them on affirm and I even made a purchase a few days ago that has been delivered but isn’t showing on affirm so I can see what I have to pay. Super frustrating and this has been going on for the last 5 days.

Scam. I reported this business as a scam to the BBB and you should too if you’ve been victimized by their false advertising and intentionally deceptive practices that say you can get a purchase fully financed at 0% when they actually sign you up for a bank loan at 28%. Your loans are also the kind that count against your credit score, which they don’t tell you either. Full and total scam.

Payment. Payment method is very confusing. Still can’t make a proper payment because it saying I’m using a MasterCard and I’m not it is a debit card try changing it. It still won’t let me.

Affrim. Faciliter a faire payment et le tous est bien détaillé Merci Affrim pour m’aider dans ma situation financière

Notifications / Message texte. Mon application et mon compte est en français mais je reçois toujours les notifications par message texte en anglais… je trouve sa vraiment déplorable.

Junk. They add the option for change your own adress but postal code is glitched !

UI needs work. The field names overlap with field values and need to be corrected to allow users to see what they have entered

Affirm. Affirm is very interactive but I find it complicated to set up

dishonest company. The reason this company doesn't ask for your banking information when you sign up is because people don't want to provide this information. They force it upon you 30 days after you pay and its too late to back out. DO NOT USE THIS SERVICE

Totally Recommend. Quick and easy to apply for loan. Affirm app tracks your payments and makes it quick and easy to make payments.

Very easy. Nice

Approval. If you have a low score credit rating they will not even give you a chance, affirm is a joke and will never recommend them to anyone!!!!

Can't even log in. Made several purchases on Amazon and chose to pay with Affirm. Every single time I tried to log in, always shows me the "Internal server error 500". Called customer service, got passed to technical support saying it should be foxed. Been waiting for months now and still can't log in. Most useless service and app I've ever used

Waste of time.. Got the app & tried to make account but says based on an eligibility check, we can’t create an account for you just yet. Please try again soon. Even though I have an Amazon order using affirm which is weird idk. Hope the company fixes this issues cuz now I have to call to make my payments.

Bleh. This app is crap.

I was gonna download it until i seen the critical reviews. I seen many people complaining so im not downloading

Not able to sign up for some reason. It’s been months now and I still can’t, affirm is trash

Easy to use. The whole process is easy from the application to the payments. There a lot of communication.

Fake service. Fake service, worst customer service ever. For 2 months trying to use their service with Amazon and not working. Calling the customer service with the same answer “escalated to the technical team and takes 3-5 business days. We add a priority note on your case since it have been one month long. We would send you an email we are sorry to hear you have a problem, rest assured we would take care and bla bla bla “ for how long that pretended to be a service? July 2023. Now we are October 2023. I have the emails with the screenshots and records of phone calls

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Affirm best for large purchases. I had a great experience with Affirm, the app is so easy to use, I got my tv through Affirm and it was a great shopping experience. They only do a soft pool so your credit won’t take a hit either. The approval process is fast and you get 3 choices 6 months 12 months and 18 months. They charge a small fee for the loan but it fair and acceptable. There are no hidden fees, you see exactly what you will paying in total and there is no pre payment penalty either. It was a wonderful experience. I been using them ever since and they also have a savings that they offer 0.65 APY most then any Banks out there . The app itself has a lot of features, you can see in detail all your purchases, due dates , available funds for purchase, your savings, all stores and shops in the Affirm App. I recommended Affirm to friends and family and all had the same positive experience.

Can Be The Best App. This app should be the best, but based on the current status of a shopper’s balance, we are limited. No matter if we make payments before they are do and payoff early, there are no cool points for that. What I want to understand is when a shopper’s history/current status depicts; pays before payments are due, no matter the balance and early pay offs, the amount of credit extended is lower than the cheapest item on some vendor’s apps. What is the purpose? This is a great way to pay, but when there are high ticketed items, the credit worthiness extended to a great shopper should at least be the same amount as the least expensive item on the website. Shopper’s such as myself buy quality merchandise because it lasts and holds up well vs purchasing more inexpensive merchandise that will have to be replaced sooner than later.

Affirm and Carla are disgusting and unprofessional partners. Avoid payment Carla by affirm very disgusting, unprofessional, robbing and looting community. We do not have minus rating if we could have I would definitely give fraudulent Carla and it’s financial partner affirm the lowest rental car rating, very disgusting, unprofessional, use different ways to loot and rob their customers. I rent car for my long trips this was an emergency trip so I immediately rent through disgusting CARLA rental, when I got there to pick up the car store was already closed, contacted them hey this pick up location is close, I didn’t get any car, so we exchange lots of emails, at the end disgusting Carla rental rejected to refund me on top of not getting any service from Carla rental now I have to pay affirm hundreds of dollars, I don’t know how many other people faced such disgusting and unprofessional behavior from FRAUDULENT CARLA and affirm, let’s work together to stop these two fraudulent companies from looting and robbing others. Be safe and stay away from Carla and affirm. I can’t spit in the face of company owner if I could I would definitely do it the way they rob and loot customers. Avoid any kind of payment to affirm.

Not worth it.. I decided to give this a try without realizing if a vendor cancels an item, Affirm will NOT readjust the total that was actually purchased. The terms are not automatically updated on the app. I did not receive an email of updated terms. So far I got an email about a credit for the item that The Vendor canceled, and not myself. Affirm “applied” the credit on the payment tabs schedule but not the actual amount in the terms, ie sales price that = loan amount. Meaning, I’m still paying for the amount of an item I NEVER received AND the interest for that never revived item. A credit in the schedule doesn’t mean anything when the actual terms showing the TRUE total of what’s borrowed was not adjusted. To top it off, I put a down payment based on the original amount borrowed. Meaning, I just got ripped off. I highly recommend you don’t use this app. Read their terms on how even if an item is returned, you’re still going to pay the interest for it. Afterpay and Klarna are SO much better. The terms are laid out front and not dependent of “if then” washy jargon.

Download this life saving App!!!. I typically like to make small payments rather than a lump some of cash for something. This is perfect! I do my Christmas shopping, birthday shopping, Mother’s Day, etc on this app. Lowest rates ever! Not to mention you get options of how many months you’d like to pay back. And recently I can’t make payments due to injury and off work, and the process to push back pay dates was unbelievably easy!!! And they add no extra payments or interest for missing a payment! I’ve taken probably a total of $5,000 in loans and I barely make $20,000 a year. And I’ve never missed a payment nor couldn’t make it regularly (till recently) bc everything is so easy to navigate, Its all paid out neatly for those her stress about a difficult layout. Like this app has been my life saver for over 2 years now. It’s perfect.

Change your way of life today with Affirm!. You no longer have to earn a high salary or be born into wealth to live a more affluent lifestyle!!! Get approved to use affirm today and give your quality of living a total upgrade overhaul. With affirm you can work swiftly towards achieving goals and dreams you never even imagined making progress towards...you can even pay for monthly groceries using affirm virtual card and apple or google pay on your device, just make sure the store offers mobile pay or make your purchase and pay online then go to pick it up or have it conveniently delivered. I was approved for affirm just after the holiday season ended and made Christmas come a second time for my household, I am now a huge fan and pledge my undying loyalty to the affirm program... seriously, your app has completely altered my life and the lives of my entire family for the better. From the bottom of my heart.., thank you. I give Affirm five stars, I would give it twenty stars where allowed - I recommend it to friends and family and will continue to recommend it to absolutely anyone and everyone I can, I strongly believe affirm has the potential to alter finance and healthy living for the individual forever. Everyone should be using this service!

Changes to extra payments. I have been using Affirm over the last few years with much success until recently. Previously, if an extra payment was made, I was given grace in the amount of the extra payment with regards to when the next payment due. This has happened for 6 prior loans with Affirm. On my current loan (no interest), my extra payment in the amount of $1100, only granted me only month grace. The Affirm help center was unhelpful and I had to get a customer service number from a third party site, which is also new and very disappointing. The initial representative, as well as the Supervisor were unhelpful and basically told me this is how we process loans, despite previous patterns. To correct this issue, they have to reverse the extra payments and I have to go back into to the app to make 7 individual minimum payments in order to “push out” my next payment, which is very frustrating. Thankfully, there are more installment loan companies arising, so I can take my business elsewhere since Affirm has changed they way they do business.

Lifesaver !!!. I have a job, my credit isn’t perfect but it’s not horrible either yet all my loans are approved. I only use affirm when money is tight and I still need a semi big purchase but also still need more funds and can’t wait a week for another check or get a loan...what to do?! Affirm! I only spend what I know I have at the moment, I advise you do the same. My bet is you will only be approved for the amount you currently hold in your bank account, so don’t get a $300 loan if you only have $20 in your account. Apply for what you need, pay off the first two payments, then you’ll have a month to save up and start paying back the rest. I was able to book a whole week at a hotel at no charge. No way I would have been able to pay for that upfront without Affirm. Thank you!

Giving you credit in yourself. Without affirm I would not have ever had the money to fly to Arizona to visit my baby in the Air Force. The whole time I was booking my flight I kept waiting for them to say I’m sorry we can’t give you this opportunity because you don’t have enough credit or you haven’t had credit long enough. We’re very sorry. And the next thing I hear is would you like to go over your booking and here’s your confirmation number. Oh my goodness I am still waiting for the bad news and I check my booking a lot to make sure this is real. So affirm I owe you more than money . I owe you so much more because you have blessed me. I feet so good about myself this is the first time in my 55 years that I ever booked and paid for my own fight. Thank you and he has no idea.

Change the way you allow folks to qualify for credit. Currently I just paid off a loan with affirm and about 6 mths ago I tried to see if I was prequalified for something again and I wasn’t which is understandable however credit scores change and my credit score went up since then to a good rating but because of that particular time frame I put in for a pre-qualification 6 mths ago, still to this day you say your decision is final even with a paid off loan and it being 6 mths later. It’s cool no hard feeling but I think from me, I give this app a 1 star for that issue because you are a creditor and telling somebody no and that’s final knowing credit always changes isn’t fair but hey it’s your app. not giving folks another chance at a loan to me shows (A) not a good credit source provider and (2 )obviously you don’t want to increase revenue for customers who return for future loans cause you base them as a risk off one credit check

Returns. I’m not sure why Wayfair chose affirm as a partner in finance when affirm does not aligned Wayfair on principles or customer service. I returned an item to Wayfair but it took weeks for affirm to acknowledge the receipt of funds returned from wayfsir . Wayfair submitted the adjustments to affirm. Watfair charged me a restock fee, however on top of the restock fee affirm instead on charging me an interest fee. Now keep in mind the interest occurred because the affirm representative declined to reach out to Wayfair with me on the phone to confirm the items were return or to accept the invoice as a receipt. The Affirmed rep failed to confirmed the additional payment request was for restocking with additional interest occurring for every time they failed to assist for a resolution. Affirm rep, insisted they don’t do outreach to third party to facilitate a resolution. The Affirm rep failed to escalate me to speak with a manager although they were incompetent to identify the issue why for a resolution themselves. Lastly I purchased the orders using my wayfair credit card but I received a bill from affirm, be careful to check the payment type before you approve the charge. ????

Interesting…. I have used Affirm multiple times to pay things over time. I recently was going to use them again for my third time in over a year but unexpectedly didn’t qualify this time. They say pay when you can with no late fees, so a couple of times I paid my monthly payment a week past due and didn’t think no harm because that’s their “motto”. Well it definitely affects you one way or another and hurts you for future pre qualifications with Affirm. Also when you don’t pre qualify they send you a statement saying your reasons you didn’t qualify is for payment history (even if you make every payment, every month), your credit history (even though their motto is no minimum credit score). Disappointed I have paid everything I owe them and then want to use again but now I don’t pre qualify after I have paid off a couple off thousand dollars worth in payments over the last year. Doesn’t make since, stick to your motto’s and people would use you more. Just going to have to use my credit cards again for purchases.

Convenient, but they need to manage vendors. I have used Affirm 5 times. Convenient with competitive interest rates for this type of loan. The problem is, they don’t verify purchases have been completed. For the second time they have set up a loan before the product has been delivered to the buyer. When you advise them of product delivery problems, they tell you to contact the seller and work out the issue yourself. That’s fair once you have received what you purchased. My issue is for the second (and last) time a loan has been set up and billing has begun BEFORE the product purchase has been completed and shipped (or delivered)! They don’t have a resolution process that is easily accessed. Once this last purchase is completed, I will go back to using a credit card. Customer service, if you can call it that, leaves a lot to be desired. Not worth the hassle!

Disappointing. I’ve spent more than two hours—and am seven phone calls in—to determine if my identity was stolen or there was a system error, resulting in a duplicate account associated with my phone number. This is the first time that I’ve tried using affirm and have submitted documents to confirm the same. My information is coming up under someone else’s profile. I am furious that I try using their services for the first time and stumble across this issue. At this point, I’m not sure if they’ll hold the other person accountable for identity theft or if this is a genuine system error and they’ll need to undo accounts and create one for this other person and one for me, using two different phone numbers!! I’m out of patience and have been on hold for the second time ti speak to a customer service manager for over an hour!! The other persons name on the account clearly does not make sense to have my name in their email address!! There needs to be better security measures to prevent this from happening to anyone else!!

Does anyone even work here?. I made at purchase online during Christmas 2020 and registered to make this payment through Affirm. The items were returned to the store in person, following instructions from the Affirm app, where I received my cash back, in full. Affirm had already withdrawn a payment from my account, which I knew would have to be returned. However, Affirm continued to withdrawn following payments, despite my no longer possessing the item. The subsequent payments were cancelled, however, Affirm still owes me the payments withdrawn. I received my money back and they turned around and kept taking it. It is now April 10 and after countless emails and searches of a customer service line, the money stolen from me has yet to be recovered. No line of communication from customer to company exists. Emails are returned with an automated response saying that the email is not monitored, try following the “help center” links - these run you in a circle back to the beginning. No phone number. Do not use this company’s service.

Spending limit. I’ve been using Affirm I would over a year I believe, I like it don’t get me wrong but it’s very confusing in some parts. For one when ever I click to prequalify when the prequalify option appears on on the app it always says that I’m rejected and that I have less than 6 months of history. That has me confused since I’ve seen my purchased history, one was over $200 but okay. The other is that it ways says “check how much you can spend what’s your spending living “ there’s absolutely no way for me to even check what that is. I’ve tried on the app and on the web. If there something I want I buy with affirm I wing and if I get denied then I come up with my own answer about how much I’m able to spend. At one point I was doubting if my account was even active when I went to my bank checked Fico score and affirmed appeared as closed. But then again I was like wait I have active payment so “it’s not closed?” Well that’s my take on the app / affirm if it keeps advertising to see how much I can spend, then why isn’t it showing me ? That’s so confusing. Which is why I’m giving it a one star.

Budget Wise. As a single mother of 4 with less than stellar credit, affirm came through when I didn't know what to do. Pandemic hit and I only had a small fridge, I was able to purchase a deep freeze to make sure I had things in stock when going to the store wasn’t an option. Soon after, my dryer broke and I was able to purchase one without being charged huge financing fees or high interest rates. I’ve been able to replace a 20 year old tv and 10 year old mattress with affirm. I will continue to use this option to make my larger purchases without breaking the bank. Thank you for having my back and helping me to slowly, but surely improve our quality of living. Large expenses aren’t feasible, though I work full time. I’m also a full time college student working towards my career goals. I’m grateful there’s an option out there that works for and with me. 🤍

Horrible customer service and service in general. I used Affirm earlier this year apparently on a Shopify account. Had no problems what so ever. I then recently tried to make another purchase with affirm which was half the cost of my previous purchase. I was denied because I didn’t have an account, which is weird because I was able to before. So I contact customer support. I use the chat function twice with no help. I then call and the person has me delete my account so I can make a new one. I do this option and it still doesn’t work. I then call again, and the person tells me that someone will get back to me via email and no one does. I finally get an email saying I’m denied for my purchase because they can’t verify my identity. I’m using the exact same information as the first purchase I made. This app is a joke. I’m someone in their late twenties with really good credit. I’ve lived at the same address for years now. I will now start using other services like Afterpay. This is too much of a hassle and customer service is outsourced and has no idea what they’re doing half the time.

Too limited in functionality. Unfortunately, if I want to get approved for a new line of credit when buying a service, such as a car repair, I cannot use this app: I have to go to Safari and then to Affirm’s website, and get the card details there to use for my payment. Not just that: say I buy it once I get the quote, and have to produce it later, I have to re-enter my phone# in the browser since I have been timed out. I see no reason why we can’t do all that in the app itself. The app does have a welcome option of using Apple Pay, although in my case, my repair shop wasn’t equipped to handle that - which is on _them_ Add these features to the app so that one doesn’t have to separately go to Safari. And once one gets a line of credit to use for the next 24 hours, one should be able to just use one’s default login - whether it’s fingerprints or face recognition or PIN - to get back into the app, instead of having to enter the phone# in the browser multiple times

Easy perfect. I got the app as it was a way to pay for a willow breast pump (also amazing) and it’s paid now before my baby has arrived. as this is my second child I knew the pump would be worth the investment but I didn’t have the money up front with all of the other expenses we had. We also ended up having our laptop break the same time we needed winter tires and were able to get that set up in payments as well. I have been using affirm 6 months I have paid the pump off and am paying about 100 a month (for the 650 tires which were a Black Friday deal and a good brand with installation and warranty included) And my chrome book so I could continue to work on my graduate degree. It’s easy to pay and apply if someone told me about this I don’t think I’d believe them. I’ve told friends and family and they have now tried it too and now use it.

CREDIT ON YOUR TERMS. Affirm provides small loans for a verity of purposes (shopping, vacation, etc.), and unlike some lenders Affirm allows customers to repay loans on their terms. Using Affirm is extremely easy. After ones account is setup borrowing is quite easy. Basically after shopping online and obtaining the full amount of a purchase, you can click over to Affirm, request your loan, then be given a virtual credit card to complete your purchase with a merchant. When you login Affirm will tell you the amount that you’re prequalified for, without staining your credit report and score with hard inquires. You can choose your repayment terms, whether that be 3, 6, or 12 monthly payments. You can sign up for automatic payments, or manually submit payment of a monthly basis. Either way, Affirm provides timely messages via text message and/or email as a reminder when a payment due date is approaching. Affirm allows payments to be authorized and submitted via text message. Affirm reveals up front how much you’ll pay over time in interest for a loan, but also allows you to skip paying interest altogether. You can repay your loan in full, without penalties, at any point. It’s like having access to an American Express card, without needing a credit score >800.

Sick of Affirms tactics. Affirm claims they report to the credit companies. False- They also claim they can’t fix there overturn denial ratio- False Affirm is full of just liars and people how don’t speak very good English as a tactic to get you confused when you call or want to talk to anyone about anything, as well as not helping at all. Can I ask Affirm? What is the point of having a customer service team if you intend to not help anyone with anything? Literally my girlfriend called them about a purchase and all they said was “Oh we don’t have the power to help you” every line. So what is the point of having a customer service line if they can’t and won’t help anyone with anything? This is a scam company that is actually a third party company that falsely advertises a financing platform but has no power to actually help people build credit. Affirm is a joke and I’m writing this to warn people to be careful using this app, make sure your 100% sure of your purchase before you do it cause they won’t help you if you mess up.

Love, Love, Love Affirm. They have assisted me with various stuff. I love the fact they give you a virtual credit card right away to use on whatever you like or need with the amount requested. It has helped me with attorney stuff, special items for the house like my Lazy-boy sofa, even used them to purchase hard core gaming laptops, which can add up to couple thousand dollars or more. Great company to work with! Been using them for years when in a bind. Interest rates can vary; sometimes promotions with zero to low interest rate. Interest rate, of course, can depend on credit score. They immediately give you options on how you would like to pay back the loan, too. That’s a great feature especially if you’re on a budget. And, I like that I can pay off early without being penalized. Highly recommend Affirm!!!

Dreams do come true!. Imagine winning a cruise for two and all you have to do is get to the dock in Miami from Atlanta. Wow, right? Nope. To plan for a trip now is to pay for a trip now so I was going to have to turn down the free 8 night cruise because I didn’t have cash or credit available for the flight. (I hate driving). However, as I began to make the flight arrangements to calculate costs ... up pops an offer to pay later with AFFIRM. Of course I took advantage of the offer! We can fly to Miami the same day the cruise departs, no need for a hotel or agonizing long drive. We return and fly home no down time no massive expense! Whew! The free cruise is a go! We leave in July and I’ve only had to make 1 / $86 payment for our two round trip tickets that include seats and bags! Don’t deprive yourself! Live within your budget but enjoy your life! With AFFIRM I can do both!

Great app , and great and quick loan service.. Honestly was quite unsure about using this service as there is a lot of misinformation online about them . But once I tried it , I may never go back to traditional loans , that is , for stores that they cover . I would even opt to use them instead of my credit card solely based on ease of service . Not that my credit card isn’t easy to use ( LOL ) but the fact that loans build credit different than credit cards . The customer service is awesome , very quick , responsive , and kind . Returns process relatively fast and you usually don’t have to make any payments if it’s processing , and if you do they reimburse you as long as it was in processing before your due date , at least from what I understand . All in all it’s a dime . If I could give it 10 stars I would . And they definitely deserve some credit for this service! Good job, I’ll continue to use fs !

High APR but worth it.. My credit was in poor status, affirm gave me a $250 credit line. Although my credit was poor at the time, due to a divorce and foreclosure on a home, I was able to get that small amount of credit and pay it back quickly. Affirm takes into account your payment history with them, in a years time I was approved for a $2k line of credit. The interest is high, but when your credit is suffering it’s just the way it has to be. Since my first time using affirm, I’ve been able to get 5 separate loans that I was able to pay back at my own pace. You pick the the length options available for a better rate or smaller payments. It’s up to you! And yes, you can use it ANYWHERE, instantly!! Not just online. They issue you a virtual card to use immediately. So easy, and the app makes keeping up with payments seamless. Thank you Affirm!!

Love the app and the service. Affirm is definitely my go to for either splitting my purchases over time or as a middle man to make purchase without using my actual card number. The interest rates are more in the high side but there’s full transparency. Great options (which include 0% interest free) to account most budgets. Thanks for updating this app to now include the Affirm + card option. I wasn’t a fan of having two apps for virtually the same account. My only gripe is the customer service team. The whole overseas (language barrier) is just dreadful. I’m glad I get all my problems resolved but not without the huh, repeat that, huh, etc. Oh let’s not forget about the nice 3.75 APY savings account. Keep this same amazing service with positive improvements and I’m definitely going to be a long term customer.

Thanks affirm. This past winter my tires were just about bald. On my way to work one night during a rain storm that had turned to snow and covered the roads. I was in low gear trying to just make to work safely and going into a slight left turn. When I turned my wheel it felt like my tires turned into ice skates and my car kept sliding straight off the road and into a pine tree. To understand stand how lucky I really was the only damage to my car was some chipped paint on the bumper and I was completely fine. I was extremely lucky the scenario could have been much worse and my 2 year old son could have been with absolutely devastating if some would have happened to him because I could not afford 4 new tires. Thank you affirm it’s mid spring now but I have new tires and the confidence that the weather is not going to effect me or anyone who might be a passenger with me!

Wanna shop and pay later? No prob👌🏻. HIGHLY RECOMMEND Was kinda hesitant to try buttt glad I did!! This is basically a small loan or finance app if you wanna buy anything but aren't trying to blow all your money they finance it for you CREDIT DEPENDING. You will qualify for something which is better than nothing, they don’t leave any inquiries when checking your credit which is a PLUS. Probably the simplest app to barrow money on. I Use this app for car parts when I want to buy some but don’t wanna blow my money all at once. They will let you see how much you’re pre approved for and it isn’t a lie no gimmicks or hidden fees they show you what you pay or a late payment process. everything is there for you to see and you’ll even have the option to pay off complete balance and it’ll show you how much you’ll save in interest! Definitely Definitely recommend you can use this anywhere where they accept Affirm !!

Their app needs support. Yet again, with autopay set up on my account and plenty of money in my bank account, your autopay just fails to process! I have no way of contacting this garbage company about their app and issues processing payments. I’ll have to resend a payment 2-3 times, despite having auto pay on, before it goes through. I’m at my wits end and i’m tired of looking like a degenerate who can’t pay her bills! They need to look into their payment system and see if there’s an issue with chase bank or anything. I’ve linked my debit card as well as my actual bank account and nothing seems to work. I’ve tested a credit card with no balance- won’t process. Every month I get an email thanking me for my auto pay, and then a text 2 weeks later saying it wouldn’t go through. I’ll log in, pay it again, and it’s hit or miss- sometimes it processes perfectly, but now it’s doing the same old thing. I can assure you, it’s not a me problem and a tech problem. Please look into this. Thanks.

Payment history. The app does not allow for one off payment. With you pay in advance, the app (and website) remove the next (a future) payment; which causes the person to have to input another payment before the assigned payment date. The app should list all future payments. It should also allow you to adjust the amount you want to pay for each, on both app and website. when a payment is scheduled in advance, the inserted payment should not remove future payments- if the site were updated to allow automatic payment to be adjusted, there would be no reason to remove future payment automatically. This is one reason I don’t prefer to use autopay. Why do I need a nickname to submit this information. This is a benefit to you which I am not being paid to do. So now I am really fined since I have tried to submit this multiple times. That feature is really ‘bad’. Get other people to test this app, regular people don’t listen to your technical people because they don’t know how people use apps.

Scammed me out of money. Affirm was an amazing app, that I truly enjoyed using, until I had to to file a dispute for being incorrectly charged at a Walmart self checkout register… I was unsuccessful in completing my transaction due to issues with the self check out register, had my transaction cancelled by Walmart employees and was charged 80$ by affirm for a transaction that never occurred. Once I contacted consumer service they had me running in circles calling Walmart Coustomer services and being referred back to affirm’s Coustomer service over and over again. When I finally asked to speak to a Coustomer service supervisor, I was lied to! The supervisor stated that they would contact Walmart and sort it out! However that never occurred. I received an email from affirm a few days after speaking to the supervisor and the email stated the same message that I was initially given by affirm. Over all I am very disappointed by the way affirm failed to provide an attempt to rectify the situation… as well as with affirm wasting my time. If you ever have an issue, and need Coustomer service, be prepared to be given the run around and have your time wasted!

Process carefully. I was trying to purchase a flight to fly home last minute and considered using the affirm app to pay the flight overtime. The app creates an electronic credit card you can use to copy and insert that information to process the payment on the airline website. At the end of the transaction, I added protection to my flight, and when I went to try to process the payment with the electronic credit card, it charged the entire payment for the flight directly to my debit card without previously advising they would do so, which was the situation I was trying to avoid. I called them, and they claim that the airline has to cancel the flight revision which still displays as “pending,” in order to return those funds, and when I went to go speak to the airline, the airline told me that there is no other reservation made under them/or my name. It was such a frustrating process that I spent the entire day of yesterday trying to resolve… that I didn’t wanna even fly home to spend time with loved ones because I was placed through all that arduous trouble.

Lack of Customer Support. I usually don’t write reviews but this hit the cake different. I started with a $180 credit and then built that up to $600. Now I logged on the app today and I’m not allowed to see my credit with affirm and now I don’t qualify. Keep in mind all my payments were on time or before due date and some payments I paid the full balance off before first payment due date. I’ve been trying to find a way to contact them but the lack of customer support really hurts the customer in the end. This day and age no one wants to send physical mail to get help. I’m just trying to see what happened that all of the sudden I don’t qualify. If your new to this app I would double think before engaging and not being able to get the help you need. I would recommend PayPal pay over time credit, as PayPal has multiple ways being able to contact them. I would give this a 5 Star but you I’m rating it a 1 due to what is mentioned above and for it to stand out there for potential future customers.

Affirm is very non-chalant about scams. Buyer Beware Be very careful what you buy and who you buy it from. I tried to buy things from Trendzoid using affirm and trendzoid never sent me anything. I tried to dispute the purchase calling and messaging affirm and they never get back to you. They just tell you someone will follow up with an email in 3-5 business days, you open the message and it brings you to Affirm’s help center where you see your case number you were given to reply to to send your information. If you look carefully they open a case number message for you to send information to only to have it show “case closed” so in your mind you’d think you can’t respond to it. You can but they don’t respond to you. Affirm customer care, majority of the time, does not tell you what you’re supposed to send. The “care team” is like from Bangladesh. Names you can’t pronounce or understand. Accents you can’t understand. Limited power given by the company who cares about having your money rather than having empathy for those who really do get scammed. This company is terrible.

Bad Experience. This app seems great per the reviews and I know some customers who had a good experience; however, my experience was horrible with this app. They could not identify my identity based on my public records but, my record has not changed at all. My twin with the similar information got through just fine. They asked me to take pictures of myself to confirm my identity, I followed the steps and they confirmed that my “information does not match my public records”. I have an updated ID with correct information. I tried contacting customer support and just got a message stating they could not confirm my identity and I need to use my own payment methods. The only thing that has changed is my gender identity which does not match my ID; however, the only way to tell is by through pictures or face to face contact. So, I’m going to conclude that this app may not be great for those with evident gender identity changes. Hopefully, this can be fixed soon and people will not get denied before even trying a potentially great app.

Great for large purchases!!. I’ve read some of the negative reviews on here and I really can’t understand them, I’ve used affirm for some purchases, mostly smaller within $200 or less just to test it out and always had a positive experience! Don’t be mistaken- these are LOANS and there is INTEREST and a CREDIT CHECK so your credit score may dip a bit because of the hard credit check but it does build back up when you make purchases on time, as does any loan and it builds credit history! I just got approved for their virtual credit card and was able to use it at the Apple Store online and I bought a MacBook for $1,200 and I understood the terms of my loan and my monthly payments. I paid off the loan after a couple weeks and saved on the estimated interest! It really does work!

Used to be beneficial. And TONIGHT I am discovering that their “pay at your own diligence”-well marketed and advertised- business model has been quickly eroded into a more aggressive and deceptive collection process. What was once a comfortable and workable short term loan relationship (6 thus far over the course of the last 3 years) is not in any way shape or form….a realistic loan term solution. Tonight at 8 pm central I went online to pay my monthly installment only to discover they already flagged my account as PAST DUE!! And of course their worthless idiotic programmers and accounting team have literally by overnight and blurred line business practices started to determine my credit worthiness (never ONCE offering a customer loyalty reduced interest rate, maxed out at their unscrupulous lending practices as a mid-600’s FICO with perfect payment history for the last 20 years on all credit reporting agencies!) …..ugghhh. As a former mortgage underwriter with Wells Fargo and USBank in the financial sector- this trash company has digressed and fallen into the lowest common denominator of Predatory Lending. TOTAL AND COMPLETE sh*TT company

I don’t like it waste of time. This app doesn’t allow you to browse all the stores because they’re more high end the crazy part is that you could download those apps go online or go in store and shop it basically tells you that you’re not good enough if they don’t see a big line of credit it’s not like The other apps like buy now pay later and you get sort of a line of credit and if you were over that line of credit they deducted out of your debit card/credit card I tried to buy something using this app it was declined and it was actually not expensive at all and I had enough money in my checking account to cover the whole purchase my personal opinion I don’t recommend it it’s much easier type in any type of store do you want to shop at online because this app does not let you even look at what the stores have and they tell you that’s their final decision on all I have to do is walk in to a high-end retail store and like I said shop directly under app and use my credit card and it still monthly payments

Great loan program but has its risks. They are very persuasive and will harass you hundred calls a day and threaten you verbally. The app shows you the opportunity to pay up 2 times consecutively if so, who doesn’t have one month of hardship a least 1 time a year. These people will even block you the opportunity to apply again so where else for a 1 time late payment. I was late less then 30 days because they only take debit or bank account payments and I even paid the following months loan at the same time 2 payments upfront. I have great credit plus amazingly 100 % good standing payment history, and I’m still denied to access this program for another loan option elsewhere. Wish they where a little more considerate specially if I did not by pass to the second month of payment and paying both payment one less then 30 days and the next following one made it super early.

5 stars all around!. I found this through way-fair - I wanted to buy a new mattress (which we all know they get fairly pricey) and I found one I liked and it was on sale so I wanted to seize the opportunity, but didn’t have as much as I needed. I used Affirm to buy the mattress and everything has been wonderful. The process to borrow was fast and simple, the interest rates are relatively high but that’s assumed with companies like this - that being said, if you pay it off quickly and in lump sums you save on interest fees and essentially get it for a decent price with the interest. After all, you can’t expect to borrow money and not give money for the convenience. I wouldn’t use this all the time or in a frivolous manor, but it def is great to use on purchases like I mentioned above. I haven’t had any problems with Affirm. I got the money, spent the money, repaid the money in a timely manner, and everything was as it should be. 5 stars, all around!

Human error is completely irreversible.. I applied through Affirm, and while signing up made a common human error of having a typo in my name. After it still tried to run it through I got a pop up screen that said I was un eligible to apply through affirm because they couldn’t find me in the system (obviously not there was a typo in my name) it told me to try again later so I tried a couple days later and continued to get the same pop up image on my screen after just entering my phone number. So I contacted them through instagram to see if there was any way for me to fix the human error, and I received a phone number. Upon calling the number for the 3rd time (both the 1st and 2nd time their software was down. WHICH I AM NOT MAD ABOUT) I was informed that because of the simple HUMAN ERROR that I would no longer be eligible for a profile/account through affirm as the error as simple as a typo was irreversible. Because of this completely unreasonable policy or whatever they call it, I will be using Klarna, Afterpay, basically anything that is not affiliated with Affirm.

Worst customer service. When I try to pay with affirm card the payment do not go through...Literally nobody cared of this issue..It’s been two weeks I have contacted them via Email...each time I get answers and advises which do not have any logical connection to my issue...I do called them several times they told we will solve, we will email you...they email with again general info which I don't need))) and they say if problem is still there call us ...I call they say we will email, and this process looks like endless ....I feel like truly no one cares. And I dropped the idea to use affirm... If their app does not have the store logo for which you wanna apply for card... they will process and give you card but you forget about of using it!!!! It will expire in 24h and you will not be able to activate it coz card will not work and your payment through that card will fail...And yes...they will send you million times email that you have to use it during 24h... despite the fact that you say them million times that you cant use it ..it does not work ))))

Affirm is Wonderful. I love this app because it’s super-easy, but also provides all the information you need. With some other apps, I have to go to their main website for more detail. On the Affirm app, I can find all my current and past loan information, and easily find out how much interest I’ll save if I pay off early. Because they don’t penalize for early payoff, I finance my loans for 12 months, just in case...and then usually pay off within one to three installments. When you make your payment, the app shows your total balance and the interest you’ll save by paying off that day, or you can choose a different date and get a final payment amount. I’ve used Affirm at Wayfair, but today I used Affirm for a purchase at Nike. I got 0% interest over 12 months, so I might just take my time paying off this loan.

I don’t understand why this app have so many good review. I been using this app long time ago doing my loans payments using autopay that why I’m doing my payments on time . They always send me an email saying I was doing great . I paid more than $1000 in loans on time . My prequalify amount was up to $650. So I wasn’t happy with that amount but Kept using it because every time a do a loan is for less than amount . Yesterday I decide to do a loan for $200 and they deny it to me only accept a loan for $120 . You are kidding me? How in the world this is happening if I been doing my payments perfectly fine and they a punish me for no reason . I call costumer service and they couldn’t help me they just told me to keep doing my payments to raise my qualification again . Obviously if I continue to pay that will go up but starting on $120 when It should be continuing from $650 I use to have. They don’t give me any reason of why they drop my qualification amount and did nothing to help . So now I can’t use this anymore so I’m going to close my account . They should do this c@&b to people that are not good payables and have a lots of late payments.

I would give this a zero if it was an option.. Skip this app if you are not tech savvy and need to speak with a human when there is a problem. The customer service is terrible. I signed up and entered my bank account number. The payment did not go through. I received a text telling me my payment didn’t go through. I responded to the text...that didn’t work. I emailed the company...no response. I messaged to “automatic” customer service...not helpful because it is computer generated. I looked for a phone number...there isn’t one. This went on for three months. I finally kept repeating my inquiry to the computer generated “help” desk. They finally gave me a phone number I could call. I paid my account in full. I still don’t know why the original account did not work. I went to apply for a car loan last week. I discovered that they reported it to the credit card company and damaged my credit rating. I appealed but they rejected it. I had excellent credit until I decided to use this company.

If you just can’t wIt....Affirm!. I just happened onto Affirm and have been with them ever since...... if you want something now and you don’t have the lump sum for the purchase then try Affirm.... they have great rates and no penalty for early payoff, plus their customer service is very responsive... try it! I know you won’t be disappointed..... most companies accept Affirm and if it’s not listed as an option when you go to pay for something then before you do pay go into Affirm and see if you can get a gift card for that company and the amount you need and if they do business with that company and your approved you will get the virtual gift card immediately or not but you will know right away, no waiting. If you wind up not having to use the whole amount of the gift card they will credit that back before your first payment.... I can’t say enough good things about Affirm!! Thanks Affirm!

Quick and easy. I hate having to dish out $300 upfront for a part for my car. Using this app and their services I can make quick and easy payments. Yes they do have interest fees but I’m all about doing payments instead of paying upfront a huge chunk of money. You can use their services anywhere that takes a card. Its amazing when you use their service and before you even pay a dime you get the part or item you wanted then you go and do what you want with it. Like right now my car needs a radiator $450 for radiator and hoses. Then I got me a timing belt and water pump kit (needed to be done at 100k it’s at 125k now so Better do it now) that was $276 so a total of $726 and got those parts in less than a week and I haven’t payed anything on it yet. Payments aren’t horrible at all. But all in all I really enjoy using this app it’s very easy and simple to use. 100% would recommend to a friend.

More towards the company not the app. So I’m starting to see this company is slightly shady. I signed up for affirm to make a large purchase thinking it was similar to Afterpay. Signed up, got approved for up to $2,500. Couple days later I saw there was an app so I downloaded the app and it promptly asked for my phone number which I added. My bank account and everything was already added before, everything seemed to be loaded correctly onto the app. Went to make my purchase and it told me I was not eligible to use affirm. They then sent me a reason why, which promptly lead me to pull up my credit report because of what I saw! It said my credit score was about 75 points lower than what I knew it was and said I lacked credit history and had historically delinquent accounts. Mind you I HAVE NEVER MISSED A PAYMENT IN 12 YEARS! And my oldest account is 14 years... so I’m not sure where this came from! But my question is why did they approve me and send me an email AND text stating I was approved for $2,500 only to tell me three days later they can’t approve me for anything?! Stay away from this company!

No ZERO interest!!!. Don’t only read reviews here! Go straight to the BBB website and you will find a very long list of unhappy people. I got to this app when buying some equipment. They clearly stated zero interest in three different payment plans they offered me. Once I downloaded the app and proceeded to check out they gave me the highest interest rate possible EVEN THO my credit score is way above 700. The company I was buying from, cancelled shipping without information to me. I only had a tracking number from FedEx And it stated the Company cancelled shipping. There is not one single phone number to call them and verify with Affirm. They only suggested to continue making payments and they specifically tell you YOU DEAL the issues with the SELLER. YOU WONT BELIEVE the sistematic COPY-PASTE andwers ON ALL the complaints at the BBB Website. Unbelievable!!! So be careful! They falsely advertise to get you hooked, and when you finally make the move, the promotion is no longer there! It’s looking like a nightmare situation. I am more than willing to correct this review if the company clarify and correct by helping me with this situation.