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Affirm: Buy now, pay over time

Affirm: Buy now, pay over time

Affirm, Inc

Shop your favorite stores with buy now, pay later shopping, payments & financing

4.9 Ratings 1M+ Reviews 1M+ Downloads

Ratings & Reviews

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  • img Community
    The worst that can happen is your refrigerator or dishwasher suddenly breaks and you don't have an extra $800 just sitting somewhere. But you still need to get a new one and Affirm allows you to buy right away and pay in monthly installments.
    img by Khausalya
    2 years ago
  • img Expert
    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

  • Affirm 2 thumbs up! Sep 28, 2019

    By Kelly Biloxi, Mississippi
    Affirm has been so convenient to use with affordable monthly payments! Just download the app and apply for credit right from your device! No phone calls, no sales person to talk to. I needed a loan for a vacation I wasn’t prepared to pay for in full, well I was on my Orbitz app, shopping for a hotel/package deal I’d never heard of Affirm before they offered me a low monthly installment payment drafting from my personal checking account so I was able to pay for my hotel stay and round trip flight from New Orleans to Chicago for 2! Yes that’s right and was on my way within minutes! It’s so easy! I also needed an expensive gift for my son that I had promised him for Christmas and yes again I was buying new tires and wheels for his truck that day with preapproved credit card access. That’s right, Affirm actually provides you with a picture of a credit card within seconds and i just started shopping. Again, no call sales, no forms to sign and listen to this; no leaving the house to go pick up a loan check, take it to the bank and deposit it. I’ve had 3 successful loans and plan on many more. I’ve told so many of my friends and family about this app and it’s conveniences I feel like a walking billboard for them! Good luck and happy shopping! Kelly Biloxi, Mississippi
  • Jan 17, 2022

    By Special Kay
    What can I say I enjoy the Affirm App because I was approved and I couldn't believe it so I did buy something small . They tell you exactly what you're paying right then you pay a portion then you pay monthly installments. The great news about this was I was able to change my pay date to an earlier date and get it directly taken from my account. It was really easy to sign up. Also I love the stores they have associated with Affirm. Thanks Affirm.
  • Excellent Way 2 Pay! Mar 19, 2021

    By Jaystradamus78
    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 💯
  • Jan 14, 2022

    By Smoodi Senpai
    It's a pretty nice app and have quite alot of places you can shop from. However, Affirm will not approve you if you have a low credit score. But despite that it's still a nice app to use for those people who have good credit. I gave it a 4 star because of the apps browser. It will freeze at random when shopping and the only way to fix it was to close out the app then you'll have to start over again.
  • 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.
  • Jan 18, 2022

    By Tina Dlugaj
    It's a great option to have.. the only thing I have a problem with is that you have to spend over $100 in order to be able to use this service.. not like Klarna where you can make payments on any amount.. I would definitely use this much more if it didn't have a minimum purchase price.. which is why I use klarna much much more.
  • Customer service Oct 28, 2021

    By dont haveva nickname
    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.
  • Jan 8, 2022

    By Lisa Johnson
    I love this service!! Super convenient and easy to use!! I have bought a laptop and Christmas gifts using this and never had any issues with the service. Now that the good is said, be careful of some stores that do not update the app with what you have actually purchased! For instance Macy's! I ordered Christmas gifts and a day later they said my order was canceled, I reordered the gifts only for part of the original order to be shipped and I still got a bill with affirm for the full amount .
  • Affirm 2 thumbs up! Sep 28, 2019

    By Kelly Biloxi, Mississippi
    Affirm has been so convenient to use with affordable monthly payments! Just download the app and apply for credit right from your device! No phone calls, no sales person to talk to. I needed a loan for a vacation I wasn’t prepared to pay for in full, well I was on my Orbitz app, shopping for a hotel/package deal I’d never heard of Affirm before they offered me a low monthly installment payment drafting from my personal checking account so I was able to pay for my hotel stay and round trip flight from New Orleans to Chicago for 2! Yes that’s right and was on my way within minutes! It’s so easy! I also needed an expensive gift for my son that I had promised him for Christmas and yes again I was buying new tires and wheels for his truck that day with preapproved credit card access. That’s right, Affirm actually provides you with a picture of a credit card within seconds and i just started shopping. Again, no call sales, no forms to sign and listen to this; no leaving the house to go pick up a loan check, take it to the bank and deposit it. I’ve had 3 successful loans and plan on many more. I’ve told so many of my friends and family about this app and it’s conveniences I feel like a walking billboard for them! Good luck and happy shopping! Kelly Biloxi, Mississippi
  • Jan 17, 2022

    By Special Kay
    What can I say I enjoy the Affirm App because I was approved and I couldn't believe it so I did buy something small . They tell you exactly what you're paying right then you pay a portion then you pay monthly installments. The great news about this was I was able to change my pay date to an earlier date and get it directly taken from my account. It was really easy to sign up. Also I love the stores they have associated with Affirm. Thanks Affirm.
  • Excellent Way 2 Pay! Mar 19, 2021

    By Jaystradamus78
    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 💯
  • Jan 14, 2022

    By Smoodi Senpai
    It's a pretty nice app and have quite alot of places you can shop from. However, Affirm will not approve you if you have a low credit score. But despite that it's still a nice app to use for those people who have good credit. I gave it a 4 star because of the apps browser. It will freeze at random when shopping and the only way to fix it was to close out the app then you'll have to start over again.
  • 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.
  • Jan 18, 2022

    By Tina Dlugaj
    It's a great option to have.. the only thing I have a problem with is that you have to spend over $100 in order to be able to use this service.. not like Klarna where you can make payments on any amount.. I would definitely use this much more if it didn't have a minimum purchase price.. which is why I use klarna much much more.
  • Customer service Oct 28, 2021

    By dont haveva nickname
    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.
  • Jan 8, 2022

    By Lisa Johnson
    I love this service!! Super convenient and easy to use!! I have bought a laptop and Christmas gifts using this and never had any issues with the service. Now that the good is said, be careful of some stores that do not update the app with what you have actually purchased! For instance Macy's! I ordered Christmas gifts and a day later they said my order was canceled, I reordered the gifts only for part of the original order to be shipped and I still got a bill with affirm for the full amount .
  • Jan 14, 2022

    By Jenelle Jackson
    Affirm has opened up a whole new world to me. Super easy to use. Every time you pay off they nearly double your credit. So many stores to choose from and best of all you can pay for trips! Hotel and airfare. It has improved my quality of life in just a few short months. Wow. Headed to Belize for a whole month vacay booked everything on affirm. As far as I know it doesn't build your actual credit but I use affirm and can finally leave my credit cards alone!
  • Was ok till... Aug 26, 2021

    By FIETSAM
    I’m not sure what’s going on but there seems to be glitches left and right with this app .. trying to upload photos to dispute purchases is a JOKE - I’ve taken screenshots of everything in case I need to use it in a court of law and sue this company by a class action lawsuit or by myself - I will make sure that this company is held responsible and liable for the stress it’s caused me - I have cancer and I don’t have time for this kind of stress ... it used to be where I didn’t have that much of a problem contacting customer service - NOW it LOOPS you over and over to different areas and just causes so much UNDO stress - NOT HAPPY -I will be paying off my balance and closing my account - I don’t believe I will be using this app ever again with the amount of glitches and problems people have CONTACTING CUSTOMER SERVICE -there was a FAKE LOAN generated for the SAME PURCHASE and I’ve been trying for the last three days to get their attention on this and have it removed and it wasn’t until today that I PRAY I got Through however, it took me over seven attempts just to get through and it’s not accepting the pictures to upload as proof -there’s some glitch in the system that claims that it can’t upload the photos but don’t worry I’ve got screenshots of it
  • Jan 10, 2022

    By Melanie J
    At first, I gave this app 5 stars. The concept was really working for me until I had to update my contact info. OMG, I have been trying , unsuccessful, to update my phone number since October 2021. I have submitted three tickets. I have provided all required documents, THREE TIMES and my info is still not updated. How hard is it to verify a flippin number. After my last payment is made, I will be closing my account. Your customer service needs major work. Do Better!!
  • Worst company Dec 7, 2021

    By marriigg
    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
  • NO RESPECT FOR FRAUDULENT ACTIVITY Mar 31, 2021

    By Stormstarter
    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.
  • Jan 16, 2022

    By Melissa Lee Moore
    Honestly I love the concept of these types of credit companies but where they drop the ball is NO human when something goes wrong or you just need help! my money is very important to me & other people feel that way too! Obviously we don't have money like that or we would not need the app! I can't afford to have ANYTHING go wrong with my money! And its very comforting to know that a business has your back and AVAILIBLE when & if you need them! Bottom line I don't know why they dont get it?
  • 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.
  • Jan 10, 2022

    By kevin cline
    Trying to contact them is an insane nightmare. I'm pre-approved and have already made complete payments on one order from a merchant and was trying to make another smaller one but it said It couldn't confirm my information. Spent 20 minutes trying to send an email and was caught in a customer service loop that never allowed me to do anything.
  • Dec 31, 2021

    By Joesette Simeon
    Great to be able to pay over time but: 1. If you need to speak to someone it is impossible. 2. I bought something from Walmart and the only way to get a refund is a store gift card. 3. I also bought something from Ashley Stewart and I did not pick it up on time but I have not been able to get a refund from either Affirm or Ashley Stewart. NOT worth the hassle, I will stick with Klarna or afterpay!
  • 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 @%$^?
  • img Community
    The worst that can happen is your refrigerator or dishwasher suddenly breaks and you don't have an extra $800 just sitting somewhere. But you still need to get a new one and Affirm allows you to buy right away and pay in monthly installments.
    img by Khausalya
    2 years ago
  • img Expert
    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

  • Affirm 2 thumbs up! Sep 28, 2019

    By Kelly Biloxi, Mississippi
    Affirm has been so convenient to use with affordable monthly payments! Just download the app and apply for credit right from your device! No phone calls, no sales person to talk to. I needed a loan for a vacation I wasn’t prepared to pay for in full, well I was on my Orbitz app, shopping for a hotel/package deal I’d never heard of Affirm before they offered me a low monthly installment payment drafting from my personal checking account so I was able to pay for my hotel stay and round trip flight from New Orleans to Chicago for 2! Yes that’s right and was on my way within minutes! It’s so easy! I also needed an expensive gift for my son that I had promised him for Christmas and yes again I was buying new tires and wheels for his truck that day with preapproved credit card access. That’s right, Affirm actually provides you with a picture of a credit card within seconds and i just started shopping. Again, no call sales, no forms to sign and listen to this; no leaving the house to go pick up a loan check, take it to the bank and deposit it. I’ve had 3 successful loans and plan on many more. I’ve told so many of my friends and family about this app and it’s conveniences I feel like a walking billboard for them! Good luck and happy shopping! Kelly Biloxi, Mississippi
  • Jan 17, 2022

    By Special Kay
    What can I say I enjoy the Affirm App because I was approved and I couldn't believe it so I did buy something small . They tell you exactly what you're paying right then you pay a portion then you pay monthly installments. The great news about this was I was able to change my pay date to an earlier date and get it directly taken from my account. It was really easy to sign up. Also I love the stores they have associated with Affirm. Thanks Affirm.
  • Excellent Way 2 Pay! Mar 19, 2021

    By Jaystradamus78
    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 💯
  • Jan 18, 2022

    By Tina Dlugaj
    It's a great option to have.. the only thing I have a problem with is that you have to spend over $100 in order to be able to use this service.. not like Klarna where you can make payments on any amount.. I would definitely use this much more if it didn't have a minimum purchase price.. which is why I use klarna much much more.
  • Jan 8, 2022

    By Lisa Johnson
    I love this service!! Super convenient and easy to use!! I have bought a laptop and Christmas gifts using this and never had any issues with the service. Now that the good is said, be careful of some stores that do not update the app with what you have actually purchased! For instance Macy's! I ordered Christmas gifts and a day later they said my order was canceled, I reordered the gifts only for part of the original order to be shipped and I still got a bill with affirm for the full amount .
  • Jan 14, 2022

    By Jenelle Jackson
    Affirm has opened up a whole new world to me. Super easy to use. Every time you pay off they nearly double your credit. So many stores to choose from and best of all you can pay for trips! Hotel and airfare. It has improved my quality of life in just a few short months. Wow. Headed to Belize for a whole month vacay booked everything on affirm. As far as I know it doesn't build your actual credit but I use affirm and can finally leave my credit cards alone!
  • Jan 10, 2022

    By Cindy Price
    Have bought several things via Affirm and just finished paying off my most recent. They give excellent reminders and make the payment process effortless! On the one occasion I "returned" an item after the company failed to deliver twice, they took care of all the adjustments to my account and payment amounts without my having to get involved. They give automatic updates to one's available credit and Affirm provides you with a one time credit card # to use for those sites without affirm.
  • Jan 15, 2022

    By Nicole Thornburg
    I love this app it works perfectly. You preqaulify for a certain amount. The more you let it sit there and not spend the whole amount the more you get approved for. You make payments overtime for your orders . with a little down payment ahead of time but so worth it. This app is everything it says it is.
  • 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.
  • Dec 20, 2021

    By Andy Richardson
    I love Affirm very much, the app is excellent other than sometimes when you are in a store it can take awhile to load and then when you try to go back at's. Lee takes you to the store in the app that you had clicked, but other than that it is completely excellent, they tell you how much you're going to pay upfront they have what seems like every single store known to man that you can finance that they have low interest and 0% for a lot of stores depending on your credit I love Affirm! :)
  • Jan 14, 2022

    By Smoodi Senpai
    It's a pretty nice app and have quite alot of places you can shop from. However, Affirm will not approve you if you have a low credit score. But despite that it's still a nice app to use for those people who have good credit. I gave it a 4 star because of the apps browser. It will freeze at random when shopping and the only way to fix it was to close out the app then you'll have to start over again.
  • 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.
  • 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.
  • Jan 7, 2022

    By LaNisha Moore
    It's great! I love it, just wished it reported to the credit bereau but at the same time I'm happy they don't. I took a star off because some of my loans disappear and I can't find them to know when payment is due so I can coordinate them between my paychecks. A little disappointing to if I am trying to pay one entirely off but am unable to because it disappears in the app!
  • Customer service Oct 28, 2021

    By dont haveva nickname
    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.
  • Was ok till... Aug 26, 2021

    By FIETSAM
    I’m not sure what’s going on but there seems to be glitches left and right with this app .. trying to upload photos to dispute purchases is a JOKE - I’ve taken screenshots of everything in case I need to use it in a court of law and sue this company by a class action lawsuit or by myself - I will make sure that this company is held responsible and liable for the stress it’s caused me - I have cancer and I don’t have time for this kind of stress ... it used to be where I didn’t have that much of a problem contacting customer service - NOW it LOOPS you over and over to different areas and just causes so much UNDO stress - NOT HAPPY -I will be paying off my balance and closing my account - I don’t believe I will be using this app ever again with the amount of glitches and problems people have CONTACTING CUSTOMER SERVICE -there was a FAKE LOAN generated for the SAME PURCHASE and I’ve been trying for the last three days to get their attention on this and have it removed and it wasn’t until today that I PRAY I got Through however, it took me over seven attempts just to get through and it’s not accepting the pictures to upload as proof -there’s some glitch in the system that claims that it can’t upload the photos but don’t worry I’ve got screenshots of it
  • Disappointed Aug 4, 2021

    By KeepingItReal530
    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
  • 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
  • Jan 16, 2022

    By Melissa Lee Moore
    Honestly I love the concept of these types of credit companies but where they drop the ball is NO human when something goes wrong or you just need help! my money is very important to me & other people feel that way too! Obviously we don't have money like that or we would not need the app! I can't afford to have ANYTHING go wrong with my money! And its very comforting to know that a business has your back and AVAILIBLE when & if you need them! Bottom line I don't know why they dont get it?
  • Jan 10, 2022

    By Melanie J
    At first, I gave this app 5 stars. The concept was really working for me until I had to update my contact info. OMG, I have been trying , unsuccessful, to update my phone number since October 2021. I have submitted three tickets. I have provided all required documents, THREE TIMES and my info is still not updated. How hard is it to verify a flippin number. After my last payment is made, I will be closing my account. Your customer service needs major work. Do Better!!
  • Worst company Dec 7, 2021

    By marriigg
    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
  • NO RESPECT FOR FRAUDULENT ACTIVITY Mar 31, 2021

    By Stormstarter
    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.
  • 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.
  • Jan 10, 2022

    By kevin cline
    Trying to contact them is an insane nightmare. I'm pre-approved and have already made complete payments on one order from a merchant and was trying to make another smaller one but it said It couldn't confirm my information. Spent 20 minutes trying to send an email and was caught in a customer service loop that never allowed me to do anything.
  • Dec 31, 2021

    By Joesette Simeon
    Great to be able to pay over time but: 1. If you need to speak to someone it is impossible. 2. I bought something from Walmart and the only way to get a refund is a store gift card. 3. I also bought something from Ashley Stewart and I did not pick it up on time but I have not been able to get a refund from either Affirm or Ashley Stewart. NOT worth the hassle, I will stick with Klarna or afterpay!
  • 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 @%$^?

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