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Affirm

Affirm

Affirm, Inc

Split purchases into easy monthly payments

4.8 Ratings 724K+ 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
  • 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 💯
  • Jun 9, 2021

    By Hunter Gomez
    Affirm makes buying what you want easy. I've bought two big items for my car so far with affirm and it has helped my credit score and has also been very straightforward. Love this app, I would recommend to anyone who can afford to take out a short term loan.
  • 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.
  • May 27, 2021

    By Destiny L
    Fantastic loaning app! Let's me get what I want without having to worry about having the money right then and there. Everything is laid out to you as simply as possible and the 0% interest offers are phenomenal. The app itself is easy to navigate, easy to make your payments, and easy to see any loans you currently have and upcoming payments as well as your payment schedule. Thanks Affirm for doing it right!
  • Jun 2, 2021

    By Vin Nakada
    I have used Affirm so far for 4 different purchases. It is so easy to get approved and set up on a payment schedule. Even if your credit isn't that great you might get approved anyways! The app is straight forward and has all the information you need to manage your loan and make payments! It is totally worthwhile to use Affirm, I rate it a 10 out of 10!
  • Jun 8, 2021

    By Justin Bird
    Been using the app for years, I love it and their customer service is great. As they get older, the more companies get in board with using them, it's honestly a nice feature and it doesn't kill your pockets.
  • 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.
  • 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
  • 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 💯
  • Jun 9, 2021

    By Hunter Gomez
    Affirm makes buying what you want easy. I've bought two big items for my car so far with affirm and it has helped my credit score and has also been very straightforward. Love this app, I would recommend to anyone who can afford to take out a short term loan.
  • 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.
  • May 27, 2021

    By Destiny L
    Fantastic loaning app! Let's me get what I want without having to worry about having the money right then and there. Everything is laid out to you as simply as possible and the 0% interest offers are phenomenal. The app itself is easy to navigate, easy to make your payments, and easy to see any loans you currently have and upcoming payments as well as your payment schedule. Thanks Affirm for doing it right!
  • Jun 2, 2021

    By Vin Nakada
    I have used Affirm so far for 4 different purchases. It is so easy to get approved and set up on a payment schedule. Even if your credit isn't that great you might get approved anyways! The app is straight forward and has all the information you need to manage your loan and make payments! It is totally worthwhile to use Affirm, I rate it a 10 out of 10!
  • Jun 8, 2021

    By Justin Bird
    Been using the app for years, I love it and their customer service is great. As they get older, the more companies get in board with using them, it's honestly a nice feature and it doesn't kill your pockets.
  • 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.
  • Jun 3, 2021

    By Eric Dowdy
    I love the way Affirm works! I will be using that from now on instead of credit cards for every possible purchase. Update: Had some unknown glitch with a payment today but customer service had it resolved in just a few hours. If I could give a 6th star for them being on the ball I would. Thanks again.
  • 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.
  • Total Crap Apr 28, 2021

    By Hooded Qobra Ent.
    Started the app up fine, gave all my data, once I was in there I clicked on “prequalify” and it denied me, saying “you can not be approved for THAT amount” when I never clicked on any amount, all I did was put in my yearly income I didn’t put in an amount I was trying to get approved for..and not it won’t let me use the app for 30 days?? What kind of business is that? Then there is ABSOLUTELY NO WAY to get in contact with ANYONE. I went through all the FAQs, help info “contact us” which does NOT give you a way to contact anyone, all it does is gives you generic “issues” to choose from and it just directs you to articles on it. My issue is NOT on the list and there is no way to add it as an issue. So how can they have a FAQ if they don’t allow people to ask questions??!! All I want to do is talk to someone and tell them what happen and see if it was ma error and or get to the bottom of why it did that... I don’t usually write reviews, unless the app is excellent, or it has frustrated me to this level... this app has potential to be awesome, but it’s left a bad taste in my mouth from the beginning. Affirm, if you are listening please chime in, say something contact ME since I can’t contact YOU, and maybe I will chance my rating and review.. Ps supposedly you only need 550 credit to be approved by Affirm, my credit score in in the mid 600s, so they can’t say my credit score is the issue
  • 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.
  • 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 @%$^?
  • May 30, 2021

    By Yam Ram
    I used to be approved every time I used affirm. I've paid all my loans with them every single one way before the due date, but I can't get approved for anything now. Guess I should have not paid on time, let the interest build so they would make money off me. Don't get me wrong they we're awesome when it was good, now it's just a hassle to deal with them when I see their stupid logo at checkout.
  • Not very helpful Apr 28, 2021

    By wish I never heard of Affirm
    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.
  • Jun 1, 2021

    By Mega Pixel
    Initially I was given this app five stars feedback because I haven't experienced it in months but now I have to go with one star for the sake of the review algorithm otherwise the real evaluation would be zero. Long story short, be careful with all the temptations paying off overtime will create because Affirm is not really a right system to implement this so all you are going to do would be damaging your precious credit score. Bottom line!
  • 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
  • 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 💯
  • Jun 9, 2021

    By Hunter Gomez
    Affirm makes buying what you want easy. I've bought two big items for my car so far with affirm and it has helped my credit score and has also been very straightforward. Love this app, I would recommend to anyone who can afford to take out a short term loan.
  • May 27, 2021

    By Destiny L
    Fantastic loaning app! Let's me get what I want without having to worry about having the money right then and there. Everything is laid out to you as simply as possible and the 0% interest offers are phenomenal. The app itself is easy to navigate, easy to make your payments, and easy to see any loans you currently have and upcoming payments as well as your payment schedule. Thanks Affirm for doing it right!
  • Jun 2, 2021

    By Vin Nakada
    I have used Affirm so far for 4 different purchases. It is so easy to get approved and set up on a payment schedule. Even if your credit isn't that great you might get approved anyways! The app is straight forward and has all the information you need to manage your loan and make payments! It is totally worthwhile to use Affirm, I rate it a 10 out of 10!
  • Jun 8, 2021

    By Justin Bird
    Been using the app for years, I love it and their customer service is great. As they get older, the more companies get in board with using them, it's honestly a nice feature and it doesn't kill your pockets.
  • Jun 3, 2021

    By Eric Dowdy
    I love the way Affirm works! I will be using that from now on instead of credit cards for every possible purchase. Update: Had some unknown glitch with a payment today but customer service had it resolved in just a few hours. If I could give a 6th star for them being on the ball I would. Thanks again.
  • 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.
  • Awesome Service & App! May 16, 2018

    By NissanSkylinePDX
    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!
  • Very good financing Oct 11, 2019

    By Davie N.
    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.
  • 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.
  • Jun 5, 2021

    By Jza Smack
    Its been ok. Account management is simple enough. The only complaint i have, is that the Phone's back button navigates away from whatever store's page your veiwing, and back to the pre-approval amount page. This gets very annoying when you browsing and comparing items. You then have to open the store's page, and re-enter you search criteria. One or two times is easy to brush off but after the 20th time in a short while, it gets very aggrevating.
  • May 28, 2021

    By Mark Hoagy
    Overall it really good !!! I only wish they had the option to give each loan a name or nickname. For example... I purchased multiple "vrbo's" for a vacation trip. And they all come through as a separate charge (which is fine) but it is very difficult to follow and keep track of. Otherwise, 5 stars no doubt!!!
  • May 22, 2021

    By Brian Pierce
    Great company and the app makes easy to shop for items you need and interest rates that you are ok with. I would give it 5 stars if there was more of a range in the % rates, there seems to be very little between 25% and 0% so it is either pay it off REALLY quick or you get a steal of an interest rate and can take your time.
  • May 31, 2021

    By Brian G
    Overall Im really impressed by their buisness model and just wish I thought of the idea first. Lol... The app could use some refining along with a more accessible customer service, but that'll come in time. The service of breaking your cost inti 4 even payments is the only way I'll shop now. I'd be dumb not too.
  • 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
  • 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.
  • 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.
  • 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 @%$^?
  • Not very helpful Apr 28, 2021

    By wish I never heard of Affirm
    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.
  • Total Crap Apr 28, 2021

    By Hooded Qobra Ent.
    Started the app up fine, gave all my data, once I was in there I clicked on “prequalify” and it denied me, saying “you can not be approved for THAT amount” when I never clicked on any amount, all I did was put in my yearly income I didn’t put in an amount I was trying to get approved for..and not it won’t let me use the app for 30 days?? What kind of business is that? Then there is ABSOLUTELY NO WAY to get in contact with ANYONE. I went through all the FAQs, help info “contact us” which does NOT give you a way to contact anyone, all it does is gives you generic “issues” to choose from and it just directs you to articles on it. My issue is NOT on the list and there is no way to add it as an issue. So how can they have a FAQ if they don’t allow people to ask questions??!! All I want to do is talk to someone and tell them what happen and see if it was ma error and or get to the bottom of why it did that... I don’t usually write reviews, unless the app is excellent, or it has frustrated me to this level... this app has potential to be awesome, but it’s left a bad taste in my mouth from the beginning. Affirm, if you are listening please chime in, say something contact ME since I can’t contact YOU, and maybe I will chance my rating and review.. Ps supposedly you only need 550 credit to be approved by Affirm, my credit score in in the mid 600s, so they can’t say my credit score is the issue
  • 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.
  • May 30, 2021

    By Yam Ram
    I used to be approved every time I used affirm. I've paid all my loans with them every single one way before the due date, but I can't get approved for anything now. Guess I should have not paid on time, let the interest build so they would make money off me. Don't get me wrong they we're awesome when it was good, now it's just a hassle to deal with them when I see their stupid logo at checkout.
  • Jun 1, 2021

    By Mega Pixel
    Initially I was given this app five stars feedback because I haven't experienced it in months but now I have to go with one star for the sake of the review algorithm otherwise the real evaluation would be zero. Long story short, be careful with all the temptations paying off overtime will create because Affirm is not really a right system to implement this so all you are going to do would be damaging your precious credit score. Bottom line!

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