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Affirm

Affirm

Affirm, Inc

Split purchases into easy monthly payments

4.8 Ratings 602K+ Reviews 1M+ Downloads
Featured on Top Shopping Apps Where You Can Buy Now Pay Later
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About Affirm

Split purchases into easy monthly payments
see more about Affirm

Ratings & Reviews

4.8
602.3K+ Ratings
  1. 5
    92+%
  2. 4
    5+%
  3. 3
    1+%
  4. 2
    0+%
  5. 1
    2+%
Write a Review
  • Affirmative on Affirm App! Jan 23, 2019

    By Mppeirce
    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.
    more
  • Feb 28, 2021

    By Cherrelle Judie
    Great option to enjoy products now while saving money for later. Plenty of stores and companies to choose from. Affordable and flexible payment options. Pre-approved budgets available immediately.
  • Overall good but... Sep 28, 2020

    By Alvie H
    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.
    more
  • Feb 13, 2021

    By Adam V
    Been using Affirm for about 1.5 years now. I love the ease of use, flexibility, and ability make large purchases with small monthly payments with a set interest built in. The app, up until now, has been great except that it recently stopped working. It no longer loads anything, and instead just shows a white screen with the words "There was a problem. Please try again" and a button to try again, which does nothing. Will change my rating when this is fixed, it's been great otherwise.
    more
  • Skeptical Jun 15, 2020

    By Curlupndyy
    I’ve been among the most critical in judging on line shopping experiences. So, far I’ve found Affirm is well received by the banks I use. I gave 4 because it’s not that old yet. The lists of merchants using Affirm are pretty respectable as well. This is for legitimate purposes and like any other banking world tool, you have the same control and responsibly. The idea of allowing payments overtime without interest accruing is a true bang for buck deal for consumers and merchants. I think it may make the marketplace reflect more reality and therefore act as a stabilizing influence. It’s covering a broad base as well allowing people to recover from losses, share wealth and slowdown waste. Thank God! Really great idea and seems like a cleaned up improved idea from others. I think(hope) it’s pushing out the disingenuous, those, seeking to fence stolen goods, sell knock offs or set up other various online scams. At least so far, so good. As far as I know I’m the biggest mouth around calling fouls. I call myself too if I’m wrong. We all need integrity & accountability to have respect for each other. If we lose that honor in ourselves I’m afraid we are nothing. Also, for letting me preach a little bit, ThankYou. Back to work now, Happy Campers.
    more
  • Feb 27, 2021

    By Donna Brown
    They entered my bank account incorrectly and though I keep correcting it my bank gives me hell every month. Tried to add my debit card but says it's invalid. It is. NOT. I use it almost daily. Had I known this app was such a pain I would not have used it. SND THERE IS NO WAY TO CALL THEM! I do NOT recommend AFFIRM.
    more
  • Feb 11, 2021

    By Nick Jones
    It's fine until the last payment. All of my payments were made on time, automatically, with the exception of the last payment. I received a text message 4 days after the due date that my payment was late. Why would the service arbitrarily not processed my final payment? I made my payment manually but the late payment ding is already there. Not cool.
    more
  • CAUTION Aug 4, 2020

    By valdeza12
    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.
    more
  • Feb 28, 2021

    By Queen Sims
    They took the whole payment out of my account, first time ever using this company and I am already disappointed very unprofessional , I do not appreciate this type of treatment I got approved for $100 to be taken out of my account not the whole thing up front, and when I tried to do the payment it kept buffering and spinning like it was loading and it kept saying error but then I checked my account and the whole fee was taken out but I did not get any type of shipping information.
    more
  • Was great now NOT so much. Jun 30, 2020

    By Covey's
    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 @%$^?
    more
  1. Take control of your finances! Split almost any online purchase into easy monthly installments with a payment plan and loan from Affirm
  2. No hidden fees, no surprise costs! Just a monthly payment schedule that works for you
  3. Available rates and terms are shown at checkout for you to view, so you'll never pay more than you see up front

Reviewed by Kaylin on September 6, 2018

  • Affirmative on Affirm App! Jan 23, 2019

    By Mppeirce
    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.
    more
  • Feb 28, 2021

    By Cherrelle Judie
    Great option to enjoy products now while saving money for later. Plenty of stores and companies to choose from. Affordable and flexible payment options. Pre-approved budgets available immediately.
  • Feb 13, 2021

    By Kevin Walker
    Affirm is Awesome!! Allows you to buy things without draining your wallet. I've been using Affirm to buy fun items such as sim racing gear, drones & RC CarS etc. You can set up your payment arrangements that are best for you. 6 months, 12 months, 18 months etc etc. So when you wanna buy something say like a $600 360 GoPro-use affirm & make (6) $100 monthly payments. Also it's great for building your credit score. I've made over $3k purchases at a time but paid it off with a 12 month plan.
    more
  • Awesome Service & App! May 16, 2018

    By NisaPDX
    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!
    more
  • Mar 1, 2021

    By Matt Childs
    I like affirm much better than any credit card. No hidden fees, and you know exactly what you will be paying. Pay on time, and you should be able to get then loan you are looking for through Affirm.
  • Overall good but... Sep 28, 2020

    By Alvie H
    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.
    more
  • Feb 13, 2021

    By Adam V
    Been using Affirm for about 1.5 years now. I love the ease of use, flexibility, and ability make large purchases with small monthly payments with a set interest built in. The app, up until now, has been great except that it recently stopped working. It no longer loads anything, and instead just shows a white screen with the words "There was a problem. Please try again" and a button to try again, which does nothing. Will change my rating when this is fixed, it's been great otherwise.
    more
  • Skeptical Jun 15, 2020

    By Curlupndyy
    I’ve been among the most critical in judging on line shopping experiences. So, far I’ve found Affirm is well received by the banks I use. I gave 4 because it’s not that old yet. The lists of merchants using Affirm are pretty respectable as well. This is for legitimate purposes and like any other banking world tool, you have the same control and responsibly. The idea of allowing payments overtime without interest accruing is a true bang for buck deal for consumers and merchants. I think it may make the marketplace reflect more reality and therefore act as a stabilizing influence. It’s covering a broad base as well allowing people to recover from losses, share wealth and slowdown waste. Thank God! Really great idea and seems like a cleaned up improved idea from others. I think(hope) it’s pushing out the disingenuous, those, seeking to fence stolen goods, sell knock offs or set up other various online scams. At least so far, so good. As far as I know I’m the biggest mouth around calling fouls. I call myself too if I’m wrong. We all need integrity & accountability to have respect for each other. If we lose that honor in ourselves I’m afraid we are nothing. Also, for letting me preach a little bit, ThankYou. Back to work now, Happy Campers.
    more
  • Feb 28, 2021

    By Richard Lockwood
    👍 Thank you Affirm! Great service when I needed it! No hassle app. and payment reminders.. The only downfall was payments were due mid week bi weekly and not once monthly! That could sometimes be difficult.
  • Just some credit info Jun 4, 2020

    By Bunny. J
    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
    more
  • Decent but qualifiers need improving Mar 9, 2019

    By JemEO
    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.
    more
  • Great functionality - hard to manage personal account Jun 3, 2019

    By evrydaisvacation (-:
    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.
    more
  • Feb 19, 2021

    By LE Long
    It's nice to be approved right away. and i would give five stars plus if there was a phone number for contacting Affirm. I like to mail or PHONE my payments in. I searched Affirm's web site all over and couldn't find a phone number and the address that I found, I'm not sure if they will accept a payment. That's where I'm sending my payment though. Maybe by posting this they will help me. My bank accounts have been comprimised. I don't like paying online.
    more
  • Was great now NOT so much. Jun 30, 2020

    By Covey's
    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 @%$^?
    more
  • Feb 27, 2021

    By Donna Brown
    They entered my bank account incorrectly and though I keep correcting it my bank gives me hell every month. Tried to add my debit card but says it's invalid. It is. NOT. I use it almost daily. Had I known this app was such a pain I would not have used it. SND THERE IS NO WAY TO CALL THEM! I do NOT recommend AFFIRM.
    more
  • Feb 11, 2021

    By Nick Jones
    It's fine until the last payment. All of my payments were made on time, automatically, with the exception of the last payment. I received a text message 4 days after the due date that my payment was late. Why would the service arbitrarily not processed my final payment? I made my payment manually but the late payment ding is already there. Not cool.
    more
  • CAUTION Aug 4, 2020

    By valdeza12
    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.
    more
  • Feb 28, 2021

    By Queen Sims
    They took the whole payment out of my account, first time ever using this company and I am already disappointed very unprofessional , I do not appreciate this type of treatment I got approved for $100 to be taken out of my account not the whole thing up front, and when I tried to do the payment it kept buffering and spinning like it was loading and it kept saying error but then I checked my account and the whole fee was taken out but I did not get any type of shipping information.
    more
  • Feb 27, 2021

    By Christopher Darrell Patterson
    Said I was approved for $1,258 in credit and then once I found the tablet i wanted and got it ordered ,two days later when it was supposed to show up ...instead I got an email saying that they decided not to give me my credit..:=/ :(:(.even though I just bought a brand new car from the Dodge dealership so obviously my credit's good enough for that a 22k dollars car..200s ...lol..but not a tablet 700 dollar which was gonna cost 1258...after all said and done. Erghhh..gonna delete now:/
    more

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