affirm_df_raw.csv

userName,isEdited,date,review,rating,title,developerResponse
"Kelly Biloxi, Mississippi",FALSE,9/28/2019 15:13,"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",5,Affirm 2 thumbs up!,
Jaystradamus78,FALSE,3/19/2021 7:06,"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 💯",5,Excellent Way 2 Pay!,
Alvie H,FALSE,9/28/2020 9:59,"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.",4,Overall good but...,
Hooded Qobra Ent.,FALSE,4/28/2021 11:39,"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",1,Total Crap,
Stormstarter,FALSE,3/31/2021 20:02,"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.",1,NO RESPECT FOR FRAUDULENT ACTIVITY,
Curlupndyy,FALSE,6/15/2020 21:49,"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.",4,Skeptical,
Mppeirce,FALSE,1/23/2019 21:19,"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.",5,Affirmative on Affirm App!,
NissanSkylinePDX,FALSE,5/16/2018 21:21,"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!",5,Awesome Service & App!,
valdeza12,FALSE,8/4/2020 14:38,"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.",1,CAUTION,
Davie N.,FALSE,10/11/2019 7:38,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.,5,Very good financing,
Covey's,FALSE,6/30/2020 2:29,"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 @%$^?",2,Was great now NOT so much.,
JODy@1966,FALSE,4/2/2020 16:06,"I found this confusing at first but probably because I skimmed everything and didn’t read everything.  When I was first given the loan it looked like a check and I didn’t realize that had to be used for one purchase only and what was left over wasn’t usable.  I was booking a trip so I applied again for the AirBnB and the loan I was offered was much lower but covered where we were staying.  That had my total loan at around 500 because I started paying it back and wanted to secure my car, I was then declined because they could not establish who I was suddenly.  I have since tried 3 or 4 times but to no avail so I wrote in to the company today to see what was up.
     Until the not being able to know where I am the program was a cool app to use you just really need to have what you want already found and be able to have it as a single purchase.  I haven’t given up on the app just because the simplicity of it is great!  It truly was the easiest line of money to get and pay back.   Give them a shot",5,Affirm App,
Bunny. J,FALSE,6/4/2020 10:07,"This app came in handy when i needed! BUT please understand each loan you take no matter the size does show up on your EXPERIAN credit report. I was approved for about 2500$ 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$. So if you reallyyyyy need to use this please stick to one loan period. Even when paid off do not use again",3,Just some credit info,
39:&:$:!:0;',FALSE,8/9/2019 12:57,"For a young person who is mostly responsible with their money, Affirm is a gift from above. Affirm allows me to make the purchases I’ve always wanted, but could never afford on my current budget. Both the IPhone App and the online website have such a user friendly display. It shows you precisely when and how much you will need to pay each month along with the total left of your entire purchase, including the breakdown of what you are paying for. On top of that you can even pay early to stay on top of your purchases. In my experience with returns, they are a breeze. I sent back the product I bought to the company I purchased it from ( ECS Tuning ), and within three days of leaving my local FedEx there was a return taken right off from my affirm payments. Overall if you are responsible with your money and have good experience with paying monthly bills ON TIME... affirm is a great way to allow those expensive, in my case recreational, purchases into your budget.",5,Affirm opened up a whole new chapter in my life.,
TrekGal!,FALSE,4/19/2019 8:58,"This app is set up easier than any other account I use for my credit cards.  It is designed to be simple and straightforward so a user can get on with a thumb scan. A user does have the option of using their phone number to log on but that takes a bit longer.  When you start using the app, you just give your account number you will have money withdrawn from, and either go on every month and pay......really takes less than a minute to do, or set up auto pay. They also have an option every time you log on to see if you are prequalified for future spending. No hard credit check for this either. I did this to buy an expensive exercise machine and I just accepted the offer and then was shown how to pay for it with the pre-approved funds. Be aware, once you start a loan with affirm, it does go on your credit report. Pay everything on time and hello higher score. 
Overall, best app I have used so far (and I use a lot of them).",5,Quick and efficient,
Moepp88,FALSE,9/4/2018 13:52,"I found this through way-fair - I wanted to buy a new mattress (which we all know they get fairly pricey) and I found one I liked and it was on sale so I wanted to seize the opportunity, but didn’t have as much as I needed. I used Affirm to buy the mattress and everything has been wonderful. The process to borrow was fast and simple, the interest rates are relatively high but that’s assumed with companies like this - that being said, if you pay it off quickly and in lump sums you save on interest fees and essentially get it for a decent price with the interest. After all, you can’t expect to borrow money and not give money for the convenience. I wouldn’t use this all the time or in a frivolous manor, but it def is great to use on purchases like I mentioned above. I haven’t had any problems with Affirm. I got the money, spent the money, repaid the money in a timely manner, and everything was as it should be. 5 stars, all around!",5,5 stars all around!,
wish I never heard of Affirm,FALSE,4/28/2021 13:09,"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.",2,Not very helpful,
evrydaisvacation (-:,FALSE,6/3/2019 4:42,"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.",3,Great functionality - hard to manage personal account,
JemEO,FALSE,3/9/2019 12:26,"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.",3,Decent but qualifiers need improving,
Bob the body,FALSE,12/27/2018 18:47,"Currently I just paid off a loan with affirm and about 6 mths ago I tried to see if I was prequalified for something again and I wasn’t which is understandable however credit scores change and my credit score went up since then to a good rating but because of that particular time frame I put in for a pre-qualification 6 mths ago, still to this day you say your decision is final even with a paid off loan and it being 6 mths later. It’s cool no hard feeling but I think from me, I give this app a 1 star for that issue because you are a creditor and telling somebody no and that’s final knowing credit always changes isn’t fair but hey it’s your app. not giving folks  another chance at a loan to me shows (A)  not a good credit source provider and (2 )obviously you don’t want to increase revenue for customers who return for future loans cause you base them as a risk off one credit check",5,Change the way you allow folks to qualify for credit,
Gramirez3653,FALSE,12/27/2018 15:26,"HIGHLY RECOMMEND Was kinda hesitant to try buttt glad I did!! This is basically a small loan or finance app if you wanna buy anything but aren't trying to blow all your money they finance it for you CREDIT DEPENDING. You will qualify for something which is better than nothing, they don’t leave any inquiries when checking your credit which is a PLUS. Probably the simplest app to barrow money on. I Use this app for car parts when I want to buy some but don’t wanna blow my money all at once. They will let you see how much you’re pre approved for and it isn’t a lie no gimmicks or hidden fees they show you what you pay or a late payment process. everything is there for you to see and you’ll even have the option to pay off complete balance and it’ll show you how much you’ll save in interest! Definitely Definitely recommend you can use this anywhere where they accept Affirm !!",5,Wanna shop and pay later? No prob👌🏻,
Icorbot,FALSE,9/26/2019 1:04,I hate having to dish out $300 upfront for a part for my car. Using this app and their services I can make quick and easy payments. Yes they do have interest fees but I’m all about doing payments instead of paying upfront a huge chunk of money. You can use their services anywhere that takes a card. Its amazing when you use their service and before you even pay a dime you get the part or item you wanted then you go and do what you want with it. Like right now my car needs a radiator $450 for radiator and hoses. Then I got me a timing belt and water pump kit (needed to be done at 100k it’s at 125k now so Better do it now) that was $276 so a total of   $726 and got those parts in less than a week and I haven’t payed anything on it yet. Payments aren’t horrible at all. But all in all I really enjoy using this app it’s very easy and simple to use. 100% would recommend to a friend.,5,Quick and easy,
Mrs. Gigi Ayala,FALSE,8/22/2019 16:53,"They are very persuasive and will harass you hundred calls a day and threaten you verbally.  The app shows you the opportunity to pay up 2 times consecutively if so, who doesn’t have one month of hardship a least 1 time a year. These people will even block you the opportunity to apply again so where else for a 1 time late payment. I was late less then 30 days because they only take debit or bank account payments and I even paid the following months loan at the same time 2 payments upfront. I have great credit plus amazingly 100 % good standing payment history, and I’m still denied to access this program for another loan option elsewhere. Wish they where a little more considerate specially if I did not by pass to the second month of payment and paying both payment one less then 30 days and the next following one made it super early.",5,Great loan program but has its risks,
OgDaddyNate,FALSE,1/29/2021 14:22,"Honestly was quite unsure about using this service as there is a lot of misinformation online about them . But once I tried it , I may never go back to traditional loans , that is , for stores that they cover . I would even opt to use them instead of my credit card solely based on ease of service . Not that my credit card isn’t easy to use ( LOL ) but the fact that loans build credit different than credit cards . The customer service is awesome , very quick , responsive , and kind . Returns process relatively fast and you usually don’t have to make any payments if it’s processing , and if you do they reimburse you as long as it was in processing before your due date , at least from what I understand . All in all it’s a dime . If I could give it 10 stars I would . And they definitely deserve some credit for this service! Good job, I’ll continue to use fs !",5,"Great app , and great and quick loan service.",
Laurelish,FALSE,1/21/2021 2:17,"As a single mother of 4 with less than stellar credit, affirm came through when I didn't know what to do. Pandemic hit and I only had a small fridge, I was able to purchase a deep freeze to make sure I had things in stock when going to the store wasn’t an option. 

Soon after, my dryer broke  and I was able to purchase one without being charged huge financing fees or high interest rates. I’ve been able to replace a 20 year old tv and 10 year old mattress with affirm. I will continue to use this option to make my larger purchases without breaking the bank. 

Thank you for having my back and helping me to slowly, but surely improve our quality of living. Large expenses aren’t feasible, though I work full time. I’m also a full time college student working towards my career goals. I’m grateful there’s an option out there that works for and with me. 🤍",5,Budget Wise,
Tatt3dgirl,FALSE,10/24/2019 4:29,"My credit was in poor status, affirm gave me a $250 credit line. Although my credit was poor at the time, due to a divorce and foreclosure on a home, I was able to get that small amount of credit and pay it back quickly. Affirm takes into account your payment history with them, in a years time I was approved for a $2k line of credit. The interest is high, but when your credit is suffering it’s just the way it has to be. Since my first time using affirm, I’ve been able to get 5 separate loans that I was able to pay back at my own pace. You pick the the length options available for a better rate or smaller payments. It’s up to you! And yes, you can use it ANYWHERE, instantly!! Not just online. They issue you a virtual card to use immediately. So easy, and the app makes keeping up with payments seamless. Thank you Affirm!!",5,High APR but worth it.,
Kmiksy,FALSE,3/25/2020 20:14,I been using this app long time ago doing my loans payments using autopay that why I’m doing my payments on time . They always send me an email saying I was doing great . I paid more than $1000 in loans on time . My prequalify amount was up to $650. So I wasn’t happy with that amount but Kept using it because every time a do a loan is for less than amount . Yesterday I decide to do a loan for $200 and they deny it to me only accept a loan for $120 . You are kidding me? How in the world this is happening if I been doing my payments perfectly fine and they a punish me for no reason . I call costumer service and they couldn’t help me they just told me to keep doing my payments to raise my qualification again . Obviously if I continue to pay that will go up but starting on $120 when It should be continuing from $650 I use to have. They don’t give me any reason of why they drop my qualification amount and did nothing to help . So now I can’t use this anymore so I’m going to close my account . They should do this c@&b to people that are not good payables and have a lots of late payments.,1,I don’t understand why this app have so many good review,
Bo zbrooks,FALSE,4/24/2020 21:57,"I have used Affirm 5 times. Convenient with competitive interest rates for this type of loan. The problem is, they don’t verify purchases have been completed. For the second time they have set up a loan before the product has been delivered to the buyer. When you advise them of product delivery problems, they tell you to contact the seller and work out the issue yourself. That’s fair once you have received what you purchased. My issue is for the second (and last) time a loan has been set up and billing has begun BEFORE the product purchase has been completed and shipped (or delivered)! They don’t have a resolution process that is easily accessed. 
Once this last purchase is completed, I will go back to using a credit card. Customer service, if you can call it that, leaves a lot to be desired. Not worth the hassle!",5,"Convenient, but they need to manage vendors",
Yruwel,FALSE,4/2/2021 18:19,"I have been using Affirm over the last few years with much success until recently. Previously, if an extra payment was made, I was given grace in the amount of the extra payment with regards to when the next payment due. This has happened for 6 prior loans with Affirm. On my current loan (no interest), my extra payment in the amount of $1100, only granted me only month grace. The Affirm help center was unhelpful and I had to get a customer service number from a third party site, which is also new and very disappointing. The initial representative, as well as the Supervisor were unhelpful and basically told me this is how we process loans, despite previous patterns. To correct this issue, they have to reverse the extra payments and I have to go back into to the app to make 7 individual minimum payments in order to “push out” my next payment, which is very frustrating. Thankfully, there are more installment loan companies arising, so I can take my business elsewhere since Affirm has changed they way they do business.",2,Changes to extra payments,
I couldn't afford FREE,FALSE,6/17/2019 23:24,"Imagine winning a cruise for two and all you have to do is get to the dock in Miami from Atlanta. Wow, right?  Nope.  To plan for a trip now is to pay for a trip now so I was going to have to turn down the free 8 night cruise because I didn’t have cash or credit available for the flight.  (I hate driving). However, as I began to make the flight arrangements to calculate costs ... up pops an offer to pay later with AFFIRM.  Of course I took advantage of the offer! We can fly to Miami the same day the cruise departs, no need for a hotel or agonizing long drive. We return and fly home no down time no massive expense!  Whew! The free cruise is a go!  We leave in July and I’ve only had to make 1 / $86 payment for our two round trip tickets that include seats and bags!  Don’t deprive yourself!  Live within your budget but enjoy your life! With AFFIRM I can do both!",5,Dreams do come true!,
Karleetx,FALSE,7/14/2019 5:21,"So I’m starting to see this company is slightly shady. I signed up for affirm to make a large purchase thinking it was similar to Afterpay. Signed up, got approved for up to $2,500. Couple days later I saw there was an app so I downloaded the app and it promptly asked for my phone number which I added. My bank account and everything was already added before, everything seemed to be loaded correctly onto the app. Went to make my purchase and it told me I was not eligible to use affirm. They then sent me a reason why, which promptly lead me to pull up my credit report because of what I saw! It said my credit score was about 75 points lower than what I knew it was and said I lacked credit history and had historically delinquent accounts. Mind you I HAVE NEVER MISSED A PAYMENT IN 12 YEARS! And my oldest account is 14 years... so I’m not sure where this came from! But my question is why did they approve me and send me an email AND text stating I was approved for $2,500 only to tell me three days later they can’t approve me for anything?! Stay away from this company!",1,More towards the company not the app,
LizSMN,FALSE,2/16/2019 23:31,I got the app as it was a way to pay for a willow breast pump (also amazing) and it’s paid now before my baby has arrived. as this is my second child I knew the pump would be worth the investment but I didn’t have the money up front with all of the other expenses we had. We also ended up having our laptop break the same time we needed winter tires and were able to get that set up in payments as well. I have been using affirm 6 months I have paid the pump off and am paying about 100 a month (for the 650 tires which were a Black Friday deal and a good brand with installation and warranty included) And my chrome book so I could continue to work on my graduate degree. It’s easy to pay and apply if someone told me about this I don’t think I’d believe them. I’ve told friends and family and they have now tried it too and now use it.,5,Easy perfect,
Jenny.bee3,FALSE,8/17/2020 13:13,"I typically like to make small payments rather than a lump some of cash for something. This is perfect! I do my Christmas shopping, birthday shopping, Mother’s Day, etc on this app. Lowest rates ever! Not to mention you get options of how many months you’d like to pay back. And recently I can’t make payments due to injury and off work, and the process to push back pay dates was unbelievably easy!!! And they add no extra payments or interest for missing a payment! I’ve taken probably a total of $5,000 in loans and I barely make $20,000 a year. And I’ve never missed a payment nor couldn’t make it regularly (till recently) bc everything is so easy to navigate, Its all paid out neatly for those her stress about a difficult layout. Like this app has been my life saver for over 2 years now. It’s perfect.",5,Download this life saving App!!!,
J'siPhone,FALSE,10/11/2019 6:27,"Affirm provides small loans for a verity of purposes (shopping, vacation, etc.), and unlike some lenders Affirm allows customers to repay loans on their terms. Using Affirm is extremely easy. After ones account is setup borrowing is quite easy. Basically after shopping online and obtaining the full amount of a purchase, you can click over to Affirm, request your loan, then be given a virtual credit card to complete your purchase with a merchant. 

When you login Affirm will tell you the amount that you’re prequalified for, without staining your credit report and score with hard inquires. You can choose your repayment terms, whether that be 3, 6, or 12 monthly payments. You can sign up for automatic payments, or manually submit payment of a monthly basis. Either way, Affirm provides timely messages via text message and/or email as a reminder when a payment due date is approaching.  Affirm allows payments to be authorized and submitted via text message. 

Affirm reveals up front how much you’ll pay over time in interest for a loan,  but also allows you to skip paying interest altogether. You can repay your loan in full, without penalties, at any point. 
It’s like having access to an American Express card, without needing a credit score >800.",5,CREDIT ON YOUR TERMS,
gha2018,FALSE,8/12/2018 17:35,"The app does not allow for one off payment. With you pay in advance, the app (and website) remove the next (a future) payment; which causes the person to have to input another payment before the assigned payment date. The app should list all future payments. It should also allow you to adjust the amount you want to pay for each, on both app and website. when a payment is scheduled in advance, the inserted payment should not remove future payments- if the site were updated to allow automatic payment to be adjusted, there would be no reason to remove future payment automatically. This is one reason I don’t prefer to use autopay.

Why do I need a nickname to submit this information. This is a benefit to you which I am not being paid to do. So now I am really fined since I have tried to submit this multiple times. That feature is really ‘bad’. Get other people to test this app, regular people don’t listen to your technical people because they don’t know how people use apps.",2,Payment history,
Zinaisdissapointed,FALSE,9/16/2020 23:32,"When I try to pay with affirm card the payment do not go through...Literally nobody cared of this issue..It’s been two weeks I have contacted them via Email...each time I get answers and advises which do not have any logical connection to my issue...I do called them several times they told we will solve, we will email you...they email with again general info which I don't need))) and they say if problem is still there call us ...I call they say we will email, and this process looks like endless ....I feel like truly no one cares. And I dropped the idea to use affirm... If their app does not have the store logo for which you wanna apply for card... they will process and give you card but you forget about of using it!!!! It will expire in 24h and you will not be able to activate it coz card will not work and your payment through that card will fail...And yes...they will send you million times email that you have to use it during 24h... despite the fact that you say them million times that you cant use it ..it does not work ))))",1,Worst customer service,
Rate our game,FALSE,3/9/2021 18:59,"You no longer have to earn a high salary or be born into wealth to live a more affluent lifestyle!!! Get approved to use affirm today and give your quality of living a total upgrade overhaul.

 With affirm you can work swiftly towards achieving goals and dreams you never even imagined making progress towards...you can even pay for monthly groceries using affirm virtual card and apple or google pay on your device, just make sure the store offers mobile pay or make your purchase and pay online then go to pick it up or have it conveniently delivered.

I was approved for affirm just after the holiday season ended and made Christmas come a second time for my household, I am now a huge fan and pledge my undying loyalty to the affirm program... seriously, your app has completely altered my life and the lives of my entire family for the better. From the bottom of my heart.., thank you. 

I give Affirm five stars, I would give it twenty stars where allowed - I recommend it to friends and family and will continue to recommend it to absolutely anyone and everyone I can, I strongly believe affirm has the potential to alter finance and healthy living for the individual forever. 

Everyone should be using this service!",5,Change your way of life today with Affirm!,
tobeisthat,FALSE,1/10/2021 2:34,"I decided to give this a try without realizing if a vendor cancels an item, Affirm will NOT readjust the total that was actually purchased. The terms are not automatically updated on the app. I did not receive an email of updated terms. So far I got an email about a credit for the item that The Vendor canceled, and not myself. Affirm “applied” the credit on the payment tabs schedule but not the actual amount in the terms, ie sales price that = loan amount. Meaning, I’m still paying for the amount of an item I NEVER received AND the interest for that never revived item. A credit in the schedule doesn’t mean anything when the actual terms showing the TRUE total of what’s borrowed was not adjusted. To top it off, I put a down payment based on the original amount borrowed. Meaning, I just got ripped off. I highly recommend you don’t use this app. Read their terms on how even if an item is returned, you’re still going to pay the interest for it. Afterpay and Klarna are SO much better. The terms are laid out front and not dependent of “if then” washy jargon.",1,Not worth it.,
ANGELACHRISTO,FALSE,1/5/2021 18:22,"This app doesn’t allow you to browse all the stores because they’re more high end the crazy part is that you could download those apps go online or go in store and shop 
it basically tells you that you’re not good enough if they don’t see a big line of credit it’s not like The other apps like buy now pay later and you get sort of a line of credit and if you were over that line of credit they deducted out of your debit card/credit card I tried to buy something using this app it was declined and it was actually not expensive at all and I had enough money in my checking account to cover the whole purchase my personal opinion I don’t recommend it it’s much easier type in any type of store do you want to shop at online because this app does not let you even look at what the stores have and they tell you that’s their final decision on all I have to do is walk in to a high-end retail store and like I said shop directly under app and use my credit card and it still monthly payments",1,I don’t like it waste of time,
Cheanie,FALSE,2/27/2019 15:48,"Prior to returning an item I would have given this app a 5 star. It’s easy to use for purchasing however beware if you have to return an item. I returned a $1,000 sofa and only received $500 of my refund. I have spent six weeks between my bank and affirm. Affirm claims the bank is blocking the transaction, though my bank says this is not possible, no bank can block a direct to account refund. Affirm continues to send me the same message claiming the money must have gone to “another account in my name” or that the bank is blocking it, with no way to verify if they ever even sent it.  After six weeks of communication affirm is now telling me that I will have to wait 45 days for them to research further. But if it goes past a certain amount of time since the item was purchased they have no obligation to pay it back at all. Weather they are stalling to keep $500 or just extremely unorganized this has been a huge mess with NO way to get direct communication from an Affirm rep. If there’s any chance you will return DO NOT USE THIS APP.",1,HORRIBLE RETURN PROCESS,
Francesca-41,FALSE,9/10/2018 2:50,"I love this app because it’s super-easy, but also provides all the information you need.  With some other apps, I have to go to their main website for more detail. On the Affirm app, I can find all my current and past loan information, and easily find out how much interest I’ll save if I pay off early. Because they don’t penalize for early payoff, I finance my loans for 12 months, just in case...and then usually pay off within one to three installments. When you make your payment, the app shows your total balance and the interest you’ll save by paying off that day, or you can choose a different date and get a final payment amount. I’ve used Affirm at Wayfair, but today I used Affirm for a purchase at Nike.  I got 0% interest over 12 months, so I might just take my time paying off this loan.",5,Affirm is Wonderful,
Nawko93,FALSE,11/16/2018 21:52,"At first I was skeptical about using this app. But after a few purchases, I am nothing but very satisfied. It helped a lot with online purchases and gives you 3 options of payments, 3mo., 6mo., and 12mo. As long as you do your part and pay your monthly payments, you have nothing to worry about. It helps when you have other bills to pay but need to make a big purchase online. 
I have used this app for more than 2 years now and haven’t had any problems. I use it mostly for ordering car parts online and gifts for the holidays when my spendings are very limited. 
**A few tips I have is to make sure you pay your monthly payments and to not go too overboard with your spendings. There were a couple instances where I was standing on the ledge trying to make the monthly payments.",5,Simply Amazing!,
Elykahn,FALSE,11/10/2019 6:30,"I don’t have a good credit score because I have never had a credit card and I have avoided buying things that I could not afford and reading other reviews I thought that Affirm would still be willing to help me out in a pinch and I would probably pay higher interest for it but I would pay it off asap and that wouldn’t be a problem. So I was quite disappointed to discover that I am apparently not qualified for their help. No available way to change that(maybe you could offer a “if you put a deposit down for a given amount and offset the risk we will help you out” or a “starting out we can only loan you below x amount and over time if you pay back your loans on time and we make money from you we will increase the amount”) but no such offer is available. I would just say that it’s only fair to say that you might not qualify for the app, because as it is there’s no such disclaimer.",2,My Credit Score was Too Low=>Denied Help,
kddan,FALSE,5/5/2021 19:52,"I have a job, my credit isn’t perfect but it’s not horrible either yet all my loans are approved. I only use affirm when money is tight and I still need a semi big purchase but also still need more funds and can’t wait a week for another check or get a loan...what to do?! Affirm! I only spend what I know I have at the moment, I advise you do the same. My bet is you will only be approved for the amount you currently hold in your bank account, so don’t get a $300 loan if you only have $20 in your account. Apply for what you need, pay off the first two payments, then you’ll have a month to save up and start paying back the rest. I was able to book a whole week at a hotel at no charge. No way I would have been able to pay for that upfront without Affirm. Thank you!",5,Lifesaver !!!,
WRH 1991,FALSE,5/30/2019 12:56,"I received beautiful pieces of jewelry for Mother’s Day and was able to buy for my mom also! What makes using Affirm great is you can have the payments split in 3 monthly payments interest free which makes it nice to be able to purchase the beautiful necklace, bracelet and ring you wanted at the same time just because at the time of ordering you might now have the total amount of money to pay for all 3 items and you can split them up! I hope everyone who uses Affirm will pay their bill so Kendra Scott will continue to use Affirm! I know I had my second payment due June 3rd and I paid it early and now I only have one more payment due in July but I will pay it off before then! It’s nice to know if you can’t pay all at one time you can make payments! Thank you for this program!!",5,Kendra Scott ( Love Affirm),
Dale414,FALSE,8/13/2019 20:16,"Yes there is no prepayment penalty if you pay the balance early. But beware that if you pay the balance in the first month as the Social Worker said you will still be required to pay the interest that is calculated on the total purchase. For example, you finance $1,000 for a trip. If your yearly interest rate is 15% you owe $150 in interest. Total loan $1,150. Prepay in first month you must pay the entire $1,150.
Not 1/12 or one month of interest that would normally be $30. DO YOU UNDERSTAND THAT. $150 instead of $30. You owe the entire amount of interest anytime you pay or prepay. Just understand that. It seems illegal to me but if you agree to it I guess they can do it! Learn more about Finnace before you assume you can do something and then get hurt because you err taken advantage of.",5,Be careful,
Camellia317,FALSE,4/10/2021 19:08,"I made at purchase online during Christmas 2020 and registered to make this payment through Affirm. The items were returned to the store in person, following instructions from the Affirm app, where I received my cash back, in full. Affirm had already withdrawn a payment from my account, which I knew would have to be returned. However, Affirm continued to withdrawn following payments, despite my no longer possessing the item. The subsequent payments were cancelled, however, Affirm still owes me the payments withdrawn. I received my money back and they turned around and kept taking it. It is now April 10 and after countless emails and searches of a customer service line, the money stolen from me has yet to be recovered. No line of communication from customer to company exists. Emails are returned with an automated response saying that the email is not monitored, try following the “help center” links - these run you in a circle back to the beginning. No phone number. Do not use this company’s service.",1,Does anyone even work here?,
fumiiko97,FALSE,11/10/2017 1:40,Love this app! It’s so easy to use and I have used it for almost a year now. It lets you know what your total payment will be before you even begin your loan; it doesn’t charge you extra if you’re a little late on a payment and I just love it! Getting a loan has never been easier. It’s been simplified down so that anyone who’s looking to build good credit can do so easily! I’ve been able to purchase my first really great mattress and absolutely love how affordable it is with Affirm. I’m able to make payments that coincide with my income and balance out my financial situation. Being an adult has never been easier with this app at the tips of my fingers! I highly recommend everyone to give it a try!,5,"Wonderful, easy, and simple app to use for those who are looking to build credit!",
Marty Rob,FALSE,8/23/2020 19:36,"Don't pay off your loan quickly, or you'll be punished; it has nothing to do with a credit score. Example: Let's say they give you 1k, and that's all based on your credit score. Then you want to buy something threw who they are set-up with. They will approve more, but only 1k if you buy what you want. Plus, not all places take their visa’s. Also, if the company doesn't make their credit card, they hold your credit balance for at least 15 to 20 days. There is a reason you're using them. Tieing up your credit, isn't it. Also, if you barrow, let say 3K, and you pay it off. Next time you might not be approved. They will deny you, but then you wait 30 days to see maybe next time it helps. Here is a secret they will more than likely support you if you buy through their vendors. When they first came on the scene, they were terrific, but it like PayPal bought them and said, let's see if we can screw it up. So they did!",2,Not the same,
"""App""solutely terrible",FALSE,5/5/2021 20:31,Skip this app if you are not tech savvy and need to speak with a human when there is a problem. The customer service is terrible. I signed up and entered my bank account number. The payment did not go through. I received a text telling me my payment didn’t go through. I responded to the text...that didn’t work. I emailed the company...no response.  I messaged to “automatic” customer service...not helpful because it is computer generated. I looked for a phone number...there isn’t one. This went on for three months. I finally kept repeating my inquiry to the computer generated “help” desk. They finally gave me a phone number I could call. I paid my account in full. I still don’t know why the original account did not work. I went to apply for a car loan last week. I discovered that they reported it to the credit card company and damaged my credit rating.  I appealed but they rejected it. I had excellent credit until I decided to use this company.,1,I would give this a zero if it was an option.,
NonAffirming2020,FALSE,12/14/2020 17:27,"I’ve used this app and credit for a while now and with ease. I’m finding that with Covid the company is not willing to help, being that I’m once again in CA and unemployed and the monthly amount is more than what I should be paying as I had a return which is not credited to monthly payments. Furthermore the app has been unavailable to change payment information and even after updating I get a message that my balance is overdue by more days than it actually was. I’ve tried communicating with through the app but the options for real help aren’t offered and the email provided doesn’t work.

In this day and age of non human contact the banks are constantly issuing new cards due to possible hacking or fraud then additionally harder to get any credit company to follow through with issues or assistance. It’s like half truths and the just the idea of helping is enough for them to get a big tax credit or break for COVID times without honoring.",2,NonAffirming,
merrymeme,FALSE,9/20/2019 6:51,My grandson call me up And he said Meme do you think you can get credit for this place its called Affirm I told him I don’t know I had never heard of it gave him my information and told him to try because he wanted something for his computer that was like $800 I believe they gave me like $3200 credit and on the $800 they charged $109 I believe it is for interest but it’s paid over a period of time and everything is done right they take out the money out of my account on the 20th of every month my grandson bring somebody over here to me on the 18th of every monthMy grandson knows that if he makes these Payments on time Then if he needs something else he will use it again It just took a few minutes to apply so he’s happy and I’m happy I would recommend it,5,I didn’t know,
Ancientfreemason,FALSE,5/24/2019 11:16,Hands down best way to borrow money!!! And they are up front with everything!! They let you know exactly when and how much you will pay all the way down to the penny!!! I’ve used them for everything from buying comic books to going on dates with my wife and it is a savior when it comes to last minute things;) you can’t go wrong they are honest right up front letting you know the exact dollar amount in interest you will pay for your loan. It’s so amazing you can use affirm for just about everything just like a regular credit card. You can even add there virtual card to things like Apple Pay and pay anywhere Apple Pay is accepted. Try them you won’t regret it😉.,5,Best best ever!!! If you need money for anything this is where to borrow it for sure!!,
Standarich,FALSE,12/14/2020 22:27,"I used to give this app a 5 star rating. I have paid off over $25,000 in orders. I had maybe twice I paid my transaction right on the due date. This company doesn’t appreciate their loyal customers. They don’t look at the person themselves or how many successful transactions you paid off for the past 4 years. I had someone steal my Social Security number and opened up 2 accounts without me knowing. I had to fight with Equifax to remove the 2 items off my credit report since the police actually tracked the person in Texas where the merchandise went to. The credit bureau will not take these 2 items off my credit report till this person is done in court. Now my credit rating has taken a hit because of it. It takes a little while for them to fix it. Affirm just looked at that number and ignored at what a fantastic customer I have been to them. Just another company doesn’t look at their customers pay history. So disappointed in this app.",1,Love you till they don’t,
mzromeo,FALSE,10/7/2020 12:29,"For people that have been through a lot in their lives and their credit isn’t the best this is a great way to reestablish yourself, show you are reliable and can pay on time. It gives people that don’t have credit cards away to build a business, fix their car or emodel their home definitely.  Kudos to whom ever developed this payment structure. 
After buying a few things on here I’ve been offered  0% which was nice to see considering that has never been an option. Thanks Affrim you helped me build a business during A pandemic. 
Small idea, make the app more flexible to items you’re searching for because there’s more stores/businesses on here that carry wide variety of items that I didn’t even know.",5,Credit issues?,
starlene1957,FALSE,10/11/2020 12:06,"I work as a professional and make a good income.

I used Affirm to purchase a styling tool, a bunch of products from Skinstore as well as a collectors edition Xbox for my son in law. The total was over one thousand dollars. It was around Christmas last year. 

I paid every payment on time and many times paid early. In the middle of paying down these balances Affirm informs me that I no longer qualify to use the app because of my credit report  which basically said the same thing as it did when I purchased the items. 

I am down to my last payment in Affirm for the Xbox and noticed they are allowing me to access their shopping page again. So I click on one of the stores and a big message pops up telling me I am not eligible for their service. 

So when I make the last payment this week I will be deleting this app and continuing to enjoy afterpay where I have almost 1,500 dollars credit as well as QuadPay.  

Affirm’s arbitrary ways of treating consumers does not take into account ability to pay and payment history. Not all credit reports are fair or accurate no matter how many times they are asked to correct information. 

I will take my hard earned money elsewhere. I love afterpay and always have confidence my purchase will be approved. The highest I have ever gone on my purchases is 450 dollars of the 1500 available. I pay my balance down promptly each payday. 

Bye Affirm",1,Afterpay and QuadPay are more user friendly,
Roedor23,FALSE,6/3/2019 1:22,"a couple of months ago I made a purchase through them the trade never sent me the article talk to them and according to my money back I waited two weeks and nothing and I communicated with affirm and they told me to wait longer I got tired of waiting  and I never received my money I investigated on my own and it turns out that the store does not exist only cheated people and affirm never interested in helping me I asked for their help and their response was that I was responsible and would have to pay the money to them I feel a lot of discontent  because they, as a bank, know very well where my money went but they just did not help me, I'll just pay them and I will never use their services again.",5,Bad customer service,
MadMax1800,FALSE,9/10/2018 3:11,"They have great customer support and are very clear about their terms. The system works great; sometimes the the purchase falls through, and while I may have paid most or all of the loan my bank takes a while to process payments and refunds; however if Affirm were a Brick and Mortar financial institution I’d switch banks immediately. When an order was cancelled a refund for the amount I had paid was refunded. If I return an order I am immediately refunded upon return minus only the payment adjustments I agreed to in beginning (my refund will reflect whatever I had paid for an item minus the the interest on the payments I made). Great service. Honest, efficient and helpful.",5,They have been great and have been quite reasonable whether I had four loans paying or one,
blg0902,FALSE,6/8/2020 11:47,"So I've been a customer of Affirm for 3 years.  Have paid off 6+ accounts,  have one small one open now. Went to see what my new ""Limit"" was and BOOM,...I all of a sudden done meet their credit requirements. What really???  Never missed a payment,  never been late. I'm like in shock... I never open otter spend more than what I can afford monthly and have chosen at times to put off my purchase because of that.  My payment history with all my revolving accounts is 100% on time,  Exceptional it says.  I say to you Affirm .... you’re getting a little too big for your pants. You need customers like me and the thousands more you service. Honestly I'm done after I pay off this little balance I have left and ALL the people I referred and have done business with you STOPS.  Now I'm going to openly blast you and your unfair credit practices.  OH and 1 last thing... My yearly income just increased by about $30,000... I guess I'll be spending this money at your competitors Klarna or Afterpay.",1,Are you kidding me,
Car379,FALSE,5/27/2020 14:41,"Over the past several months, I have used Affirm a handfull of times.  I was very pleased with how quick & easy the app worked, and actually paid each loan on time, and fulfilled all of the loan payoffs early.  I recently went to use the app again for a purchase, but was denied & told to check again in a few weeks?!?  My salary hasn’t changed, my credit score hasn’t dropped, all of my bills are paid or being paid ahead of schedule, and the only recent purchase that I have made was a newer vehicle.

So, I’ve waited a couple weeks, logged on today, without any notice to “wait” a certain amount of days.  Went to see if I “pre-qualify” to make that purchase I’ve been waiting for, and it says I’m denied again, & to check back in 29 days.  

Long story short, to use Affirm for one of two purchases, it’s fine.  But don’t expect to continue using it on a consistent basis.  Use PayPal Credit, or something of the like.",1,Quick turn of opinion.,
Music-Lover,FALSE,6/2/2020 2:47,"I wanted to make a slightly bigger purchase to get a new Digital Audio Converter. Although I didn’t want to put it on a credit card that already had a balance that I’m not going to be paying off in full soon. I also then didn’t want to be stuck paying for interest on something I could plan to specifically pay off. 

That’s where Affirm came into place. I was able to purchase the new DAC and pay off specifically the balance for this DAC the following month. It’s like financing a purchase on a store credit card without having to actually get another credit card to get something you know you can specifically pay off in a short amount of time.

I would highly recommend Affirm!",5,"Affirm is Super Convenient, I Love it!!!",
el-taco-loco,FALSE,6/8/2018 2:16,"4 separate purchase made without any issue.  
Payments all on 12 month plans, with actual monthly payments ranging from $31-$289 per purchase.  Paid two off 1-3 months early and one off almost 9months early. One to go.  If you absolutely feel the need to make a purchase without having the loose cash, this is the way to go but be responsible and pay it back on time or early and you won’t have and problems.   
Only negative is that I haven’t noticed any sort of reporting at all on my credit for the paid off accounts. But that could just be because they’re currently only reporting to a few agencies.  I suppose as a good note, soft hit on credit report didn’t show up either so...",5,10/10 would recommend to a responsible’ish friend,
chozen1x1,FALSE,4/26/2020 20:25,"I used to love this app, but things seem to have changed for the worst. I applied the first time and was approved without any fuss. I paid it off on time each month and completed the payments in full. I reapplied again, got accepted, and paid that off in full again after a few months. Did very well for my credit score, and I decided to do it yet again...and this time they asked for a bank account login. I have a pretty decent amount of money in my account...not millions of dollars but let’s just say $10,000+...and was sure that there would be no issues. After submitting my application, they straight up rejected me. I really don’t get what went wrong, but whatever new guidelines they are using now to approve people is not such a great business model. Sad because it was really helping out my credit score which I basically destroyed when I was in my teens..but now I’m in the process of fixing it and being more responsible.",1,Rejected for what?,
Jacobclark1999,FALSE,1/7/2019 16:51,"I NEVER write reviews for apps but this one is so outstanding, so useful, and most importantly so helpful that I had to take at least 5 minutes to thank them for all they’ve done for me and my friends. I can now afford to go to more music festivals due to the cool virtual one-time-use card, I just type it in and BAM! It’s all said and done, I usually do my payments on time or a few days early and it has greatly increased the amount they now lend me. First downloading the app I got approved for $400, i’m now at $1850 and it feels great, knowing that both customer and merchant have such a great relationship of trust between one another. Thank you Affirm for being my favorite app of 2018, with many years to come, I recommend this app immediately!",5,I swear by this app,
lilybeme,FALSE,9/19/2019 0:32,"Affirm has been by far the worst service I have ever utilized. 

I sent two cashiers checks to them on 05Aug19 through USPS (a trusted service.) and received confirmation from USPS stating that the checks arrived to the front desk or mailroom of their Office on 08Aug19. I allowed them 10 business days, as directed by their FAQ page, to update my account. 

Their help desk number is not on the app and you have to google it, showing that customer service is not their main priority. 

I called them 4 times over the course of a month on information regarding my account since it didn’t reflect the check payments. I received misleading information each time which didn’t match anything I heard from other representatives. When I asked to speak to a supervisor I was essentially told no twice before finally getting someone else on the line, and the supervisor was just as unhelpful. 

The last time I called, I was told that all the information I had previously received was incorrect and they were talking to a back room to figure out what was going on. When I asked for the back room or other departments number, I was told they wouldn’t provide it. 

I finally went through Navy Federal to cancel the checks (another reliable service) and pay directly from my account. 

Affirm has caused me several headaches and I do not recommend anyone use them.",1,Disorganized and Unhelpful,
Los Places,FALSE,3/28/2020 11:52,"This is a perfect example of what the future of banking looks like. Simple to use, very comprehensive terms of personal loans, they even started up personal savings accounts. Going forward, this app is only getting better. The process of canceling loans, returns, payments are all easy and provide confidence when purchasing through them.

I use Affirm for the majority of my big purchases instead of saving up money for the specific purchase. In most cases I pay the item off within a month or two instead of the allotted time. After the final payment, they send you an email that shows how much interest you saved by paying it off early. This is a feature that I find really nice.",5,The Future of Banking,
OffWhite x Nick,FALSE,6/27/2020 21:50,"I was furloughed from my job on March 20, 2020 and was unable to apply for unemployment for an entire month as I live in Florida and the website kicked me off every time I tried. Once I did get unemployment it processed from the date I completed my application so I lost an entire month of pay. Every credit card I have, and my car loan, deferred payments for me but for some reason Affirm deferred payments on one of my loans but not the other, now I have an overdue amount in the hundreds as I had literally no way to pay it. Now that I am able to pay my normal monthly payments as I’ve finally received unemployment I paid my monthly payment on the deferred account but since I cannot afford the full payment of hundreds right now they refuse to work with me and keep telling me the only option is to pay the amount or pay more every month until I’m caught up-which, will add a bunch of interest for them.",1,Payment deferral during COVID19,
Scottie91,FALSE,6/16/2020 12:49,"First let me start off, I love affirm. I’ve used it many times to get something I may not have had all the cash for up front. I’ve been using it to help rebuild my credit as well. I love the simplicity of it. So this sounds like a 5 star review right? Well there is one thing missing from the current updates that keeps me from giving it that final star. I used to be able to see how much I was pre-approved for on the home page of the app and how many days were left of that pre-approval. Now I have to select a merchant to see my pre-approval amount and I have no idea how many days are left in that pre-approval. I wish they would just add it back or at least make a setting for those of us that want that to be able to turn it on.",4,"It’s a good app, when it used to be great!",
Glo lite,FALSE,10/19/2020 18:47,"I have gone through every website only to find nothing, no number to call, no email to ask questions. My purchase was declined through the card that affirm gave to Macy’s, so they called me to give them the card and info, again only to get declined! The card wouldn’t go through, I shouldn’t have to deal with any of this. Clearly this is something that needs to be done through affirm and Macy’s but because they have no information as to how to follow up or contact them they called me. Long story short, I couldn’t get the couch I wanted because the card didn’t go through. The whole transaction got canceled by Macy’s due to the card getting declined and me not able to provide more info, And when you got to the online affirm site, they make sure you have no number to report this back to. It’s like having a credit card that gets declined with full credit and no number to call for help. Beware.",1,Where is your customer service??,"{'id': 18715861, 'body': ""Oh no we're sorry to hear this! Connect with our team by writing to us at help@affirm.com. Our team will take a closer look into the matter. Thank you."", 'modified': '2020-10-26T18:30:01Z'}"
Maliikm,FALSE,1/20/2021 19:59,"I like Affirm because it’s an easy way to pay for things I can’t technically afford. In my case, I wanted to buy a new iPhone but I didn’t have the $1k+ to buy it outright. Affirm gave me an offer to buy my phone over 2 years with no interest. I have Visible for my cell service, and my wireless bill is only $25/mo. Affirm comes in handy and allows me to pay an extra ~$32 for the phone itself, which including my Visible bill, comes out to around what a normal wireless bill would cost. This works really well for me and I’ll probably just pay off the remaining balance with Affirm at some point. My biggest piece of advice to anyone using Affirm though is not to use it UNLESS you get an offer for 0% APR.",5,Great but ONLY use if you get 0% APR,
Hhifrvoxejcuhcbzeon,FALSE,2/24/2021 22:03,"I have used Affirm several times to purchase from American Girl. The payments went from once a month to twice a month, but if you didn’t catch that change at checkout... it’s taking double out of my account which I was not prepared for. (And I have 2 loans) The whole purpose is to make payments easier, but it does allow me to make purchases I wouldn’t ordinarily be able to do so I will continue to use them.
Regarding their savings, it’s ridiculous because you transfer money and it takes 5 to 10 days, regardless of the Amy. They’re earning interest on that money that they hold whether you’re putting it back in your bank or putting it in the savings so I do not recommend it (unless you’re loaded and it doesn’t affect you). I can say I am happy that American Girl excepts Affirm as payment!",3,Some good some not so much,
jacklee1024,FALSE,8/2/2018 2:00,"I enjoy using the app.  It’s a different way to make purchases without tiring up your credit cards.  Easy auto pay assured payments will be made on time.  The only down fall I’ve found is having multiple accounts open, even when paid perfectly, bring your credit score down.  The second thing I found annoying is when you have had balances as high as 1200. And never were late on any payment, then you pay your balance down to 550 and your only offered 50 open plats because score went down, which it did because of the amount of accounts.  Other than those two things, I’ve really enjoyed using it for all purchases that I wanted to make payments on.  It’s convenient and easy to use.  Hopefully those kinks work out.",4,Mrs Jacquelyn Jones,
BrittBratt143,FALSE,9/20/2019 16:29,"My family and I were at the beach. I have far less than perfect credit. We were staying with family but limited space had us very uncomfortable so we were hoping to find a place to stay. With limited cash and limited credit, Affirm approved me a loan at almost 11pm at night for double the amount that it now is saying that it could/would approve me for. We stayed from Sunday to Thursday in a super sweet condo in Panama City and I was able to make monthly payments on the amount, paying NOTHING up front. So I literally booked it, then pulled into the gate of the condominium 10 minutes later and viola, hello vacation! 

Thank you Affirm! I will continue using this service probably for the rest of my life!",5,What a life saving option!,
kidd u,FALSE,12/9/2018 16:10,"Honestly, a lot of people told me in the last that affirm wasn't the best loaner to use. That people have been lied to or taken advantage of. Not sure how. But I thought I give affirm a shot on some shoes I bought recently. After downloading the app. It's been nothing but easy. Everything is so simple and broken down to its core where there's no trouble with payment or any issues. It's transparent as it can be. I love the fact that once a month I can see if I'm able to take a loan out for certain things I need to use it for. Which is pretty cool in my opinion. Payments are taken out from my account right away and paid even on the weekends which I love. Honestly best app to date I've ever used and so quick and easy.",5,Best app ever,
Fabinel,FALSE,12/17/2020 11:38,"They start great with 1.80 APY. After they change it to 1.65 APY, then again they changed it to 1.50 APY. Then changed again to 1.00 APY. Amd just today another freaking change to 0.65 APY. 

They started good but now they just like any other bank with more name and security. The main reason for me to stay here was that they were offering a lil more APY. But that was a trick just to bring people in. Now they changed the APY more than 3 times in less than a Year. And I consider that’s an offense for the costumers that start with them and now is just another regular online banking with nothing different to offer. I’m not keeping my money anymore there. And who knows how many more times they will lower it.",5,It’s getting ridiculous,
thevo1ceofrea5on,FALSE,9/6/2020 3:14,"I have paid off over 5k worth of loans with this company. Never paid late or defaulted on an agreement with them. Never have I asked for more than the pre approval offering. So I’m really liking this company and what they offer, I have a couple important things coming up and I’m feeling good about my anniversary and my daughter’s birthday because I know this company has my back.   Wrong ,,,, they per approve me for an amount that works and I get to work getting the items I’m wanting. They suddenly un approve me and ruined both dates, they even cancelled an order right before it shipped. My credit is great, never had an issue with any loan with this company. They are worse than att when it comes to communication,,,, I am really serious when I say ,,,always have a back up plan because this company is crooked and they will screw you eventuality. It just makes me sad, I really thought I had found something here.",1,What happened?,
StuffD68,FALSE,7/10/2020 10:47,This was very helpful. I needed to make a last minute purchase and was weighing my payment options. Affirm was a great for my needs. The app keeps you on track with repayment and even getting ahead in paying back your loan. But notice I said “LOVED”. After I paid my balance off in 4mth instead of paying all that interest for 12mths Affirm canceled my account. No letter or email explaining why. It couldn’t have been for non payment. The only thing I can think of was an item I purchased that was to arrive in 3 days from Walmart never arrived. Walmart tracked it and couldn’t find it so they credited the account. Who knows. It was good for what I needed at the time. I just went to use it again and it was gone. 🤔,5,Affirm,
JordanTheBaller,FALSE,11/20/2018 16:13,"If you're like me and don't like to spend $500 in one sitting even if you have the money to do so, affirm is a great way to feel comfortable and takes off all the stress of big purchases. The deals they have with shops like ssense offers 0% apr, so it doesn't make sense for me to pay it all up front if I have this option to pay it back with no interest at all. Also you can get pre qualified for amounts and get virtual cards for online stores. If you have a hard time paying back and are irresponsible I wouldn't recommend as the normal rate is 30% and can quickly add up. But if you are responsible and take advantage of their 0% offers it is a no Brainer to use this option to check out.",5,Great for loans,
hawaiibobbie,FALSE,8/16/2019 2:26,I purchased a house in the middle of no where and after I closed on the house and furnished the house I was pretty broke then one night the water wasn’t working so in the morning I hiked the hill to find out the storage tank had split with not enough money left I was in a horrible situation a house with no water I don’t have credit cards so I was really in a bad situation a friend said go to affirm they have great rates and it takes two minutes that was over a year ago once I paid that water tank off I purchased a new guitar after that was paid for a purification system for the house it’s extremely easy cheaper than a lot of credit cards and so much easier. Thank you Affirm aloha,5,Fantastic Service,
GerenaWill,FALSE,8/19/2019 12:41,"I wasn’t recently meaning to purchase a laptop (my dream laptop) for my college computer science and digital art classes, as it was on sale for $700 off, but (as is to be inferred) I did not have the money to right away. The seller (Razer) offered a $91/monthly payments on it, to which, at said discount, I excitedly chose to set up an Affirm account. I provided all the necessary information needed with the assumption that I’d actually be able to USE the service to make it easier for me to purchase said laptop, but I was told that I my identity could not be confirmed. After writing into customer support and sitting there waiting for a response in hopes to be able to make the purchase before the sale ended, I’m currently left with radio silence and sale in the laptop has now passed. So here I am, stuck waiting for customer service to buy a laptop so can no longer reasonably afford for my classes.",1,"Out of a laptop for college, made me miss out in a sale.",
Pushrods,FALSE,8/16/2018 19:09,"I’ve used Affirm a couple times now, and I love it. It really helps me out when I’m short on cash and need certain item right now. My credit is not the greatest, but it’s not the worst either. They base the decision for your first loan on your credit score, and any other loans after that are based on both your credit score and your payment history with Affirm. If you make your payments on time every time, you will have no problems getting another loan through Affirm. Most of the time, there is no down payment needed. Setup automatic payments, and you will never have to worry about missing a payment or making a late payment. I definitely recommend Affirm to everyone!",5,Affirm is awesome!!!,
jsync_21,FALSE,3/4/2019 4:43,"I like to finance with Affirm. Affirm calculate the interest you’ll be paying on the purchase and include it in your installment. There’s no interest going up and down! It reports to your credit as a loan, so my credit card usage is not affected. They are very transparent  on your monthly payment. No hidden fees. No harassment. You only have to make sure you pay your monthly payment on time, but they also have auto payment. The best thing about it is that you can shop at plenty stores and brands. I’m a millennial and living check to check so for me is a good way to finance what I want in the term that a want without having to pay full amount right away or pay double on interest accumulate overtime.",5,Awesome,
West Coast Man,FALSE,3/2/2019 1:01,"I’ve made a handful of purchase-loans from Affirm and I’m pleased to say I’ve not been disappointed with the system or service given me. Affirm has made it easy to purchase larger priced items via its system of monthly payback loans. The ability to make said loans, with flexibility of auto or self-pay methods and up-front costs and monthly payment amounts make Affirm easy and safe to use. The Affirm web-site has been vastly improved and is easy to use. It’s easy to keep tabs on loans, payments made, and when next payments are due. I absolutely love the service Affirm offers, and I highly recommend Affirm as a entity for use in purchasing those items needing several payments to secure.",5,Dream Payment Loans,
Lifeat24fps,FALSE,11/25/2019 6:30,"My first experience with Affirm was a 0% interest payment plan for a Casper mattress. That’s a huge purchase and this service made it effortlessly affordable. I’ve since used the service to purchase an air conditioner and some kitchen furniture. The interest rate on those loans beats my lowest interest credit card by a mile. And I absolutely love the transparency of the terms. I know exactly how much, down to the dollar and cent, that I will pay in interest over the course of the loan. 

Besides the payments are easy and clear. You run up a credit card balance and it all smooshes together. Each of my purchases is itemized in the app, I know exactly what my payments are going toward and what my remaining balance is. 

Affirm’s payment breakdowns more than fit my budget - and they make it super easy to toss a few extra bucks at it if you want.  

When it comes time to make a major purchase again I absolutely will consider Affirm my first choice of financing is needed. Easy, transparent, low-interest, affordable payments.",5,"Easier way to manage big-ticket purchases, better than using credit card",
lovemyson480,FALSE,10/25/2019 8:17,"So I decided to use this as a way to buy some furniture. I am slowly building my credit back from foolish teen years where I abused my credit. I heard so many good things about Affirm and have seen it all over everywhere, and where I wanted to purchase a new sectional. I put in my husbands last name, or was it my social security number wrong, thinking maybe I can fix this error, it wouldn’t let me. I proceeded not thinking I would be denied, I was denied because they couldn’t verify my identity! They wouldn’t let me try again. Even when I tried again with my right last name, I was denied because of the previous try. It said it was Affirms “final decision” no questions asked! It seems like I’m the only one who hasn’t been approved despite my credit isn’t horrible, and it’s actually going up. I’ve tried Klarna, but it only lets you go up to $1000. Highly disappointed , and wouldn’t recommend. -_-",1,No fixing errors!,
kskwzwjzwkzelxowIwwjz,FALSE,2/9/2019 20:15,"A bit ridiculous. It’s nice to have I guess, for emergencies and you’re short handed on a few bucks....But otherwise- I’ve had this account for a year n a few months and they’re (just RECENTLY) asking for down payments. When I’ve paid off all loans before the term is up!! Maybe early payoff fines!? (Even though it says there are no penalties for paying off early) Stupid if you ask me, I’d rather bank with someone who pays off early/on time rather than missing payments. Guess it’s penalty for paying my loans off early. 🤷🏼‍♀️🤦🏼‍♀️ I’ll continue to make early payments and have things paid off prior to being charged the full 29% in interest.",5,It’s very Nice to have in case of an emergency.,
Rich315,FALSE,2/15/2020 1:29,"Affirm allows you to make purchases that may be outside of your normal ability or that you don't want to put on a credit card. The advantage over credit cards is you have to pay interest and part of the principle as well so you aren't just dragging out your purchase by making the minimum payment on a card. While the interest may seem high (29%) that is comparable or better than most entry level cards and, again, because you are paying interest and principle each month it is paid off sooner. Now that you can add the virtual cards to Apple Pay you can also use them nearly anywhere. This app is great!!",5,Awesome. Plain and Simple.,
Not that happy :(,FALSE,3/8/2020 16:16,"I have purchased two items using affirm and my first one was well over $2,000 and my second was $1,000. Always made payments on time and payed off early and now I’m wanting to purchase something that is no where near those amounts and it’s not approving me for less money than I have already spent? For this to be an app that people use and trust, its hard to trust when you have spent over $3,000 and have made payments early and payed them off early. There should be a more thorough look at who’s buying and how much they have spent and when everything was payed and payed off because it really discouraged me now to not want to use affirm because of that.

Loved using affirm for my last two purchases and was super easy and simple! This time around not so much!",3,Loan amount needs more work,
Gee Martin,FALSE,11/13/2020 18:39,"I really like Affirm.  They have great customer service and the app is easy to use.  The only thing I don’t care for is sometimes they want you to make your purchase via the Affim app instead of allowing you to create a “single use virtual card”.  Another thing is that they don’t give your refund in a timely manner.  These things were never an issue before.  I understand that once a company because more popular they are going to continue to make more changes...changes that I might not like.  However, what I do appreciate about this company is the customer service and that is one thing that will probably make me continue to do business with them.  Affirm also helps me boost my credit rating.",4,Great App,
KellysBoo,FALSE,1/6/2019 4:27,"The interest rates on purchases are extremely minimal making this a super convenient way to make larger purchases, especially with NO early payoff fees. So with a purchase of $500, I end up paying a total of $580 over the course of 12 months @ $48 a month, but if I throw an extra $100 a month at it I’ll have it paid off way earlier and I’ll end up paying WAY less in interest. App makes maintaining multiple loans very easy and clearly shows the due date of EVERY payment you need to make for the length of your term. Auto pay is also an option for ease of mind. Bottom line, amazing app, amazing service, and I use it more than I should. 🤣",5,Amazing - Easy - Convenient,
Navyjax2,FALSE,12/1/2020 22:40,"Nice. Allows me to choose to pay my balance and to shop at other places where Affirm is used. It does put the shopping front & center and you have to hit another tab for your balance, but of course this is just because they want to see you using the credit they offer so you spend more, get more in debt, and owe them more in interest, but as long as you’re aware of that, you can avoid it and just go to the 2nd tab. You are automatically provided with your required payment amount and once you put in a payment method (credit card, bank), it’s pretty much one-touch processing: confirm and you’re done. No muss, no fuss. Convenient.",5,Great app!,
KPeack,FALSE,8/4/2020 18:42,"The app is great and easy to navigate my loans and payments. This review is more for affirm itself. I love your company and what it has allowed me to do. Due to a divorce I had to restart my life and had little possessions and no credit.  Through Wayfair and Walmart using Affirm as my payment I was able to get necessities through credit (couch, dishes, vacuum, etc.). In the three years since I have started using Affirm I have had and paid off multiple loans and many before the loan term and never a penalty. The app calculates my savings if I payoff early and the interest is not bad at all. 1000 times better than Rent a center or Aaron’s. Thank you Affirm for helping me when I’m in need.",5,Affirm is the best,
darrellcassell,FALSE,3/23/2019 3:59,"I use Affirm every 3-6 months or so. I started taking my photography seriously now and since it’s an expensive startup I’ve been using Affirm for gear I can’t buy outright. If it wasn’t for affirm I definitely wouldn’t be able to afford my gear. I get approved, buy my lens/equipment, pay them off over 3-6months, and repeat. I don’t know for sure, but it seems as though when you pay something off your limit goes up. They don’t do a hard pull each time either which is nice. I started out with $600 limit, and over the last year and a half have been approved for over $1,000 at a time now. Very happy with Affirm.",5,Better than a credit card or bank.,
GemsHolograms,FALSE,5/21/2021 13:08,I’ve been unable to log in for the last two days and pay my bill early. Suddenly it started asking me to log in and that’s fine but when I click login it sends me a text. After verifying the text it takes me to a sign up page. Then after I plug in my information it tells me I already have an account and takes me back to sign in. I’ve done it no less than 12 times and still can’t get out of this loop. I even uninstalled the app. It’s not a new number. I changed my number about 7-8 months ago and have updated it with Affirm. Website is doing the same thing. No easy way to contact them. They’ll probably charge me a late fee if I figure this out by my due date next week. It’s a pain.,3,Service is great but app update is horrible,
Prince Posse,FALSE,6/6/2019 16:39,"At first I lived this app, it was easy and fair priced for loans. After over a year of 100% on time or early payments and over 17 completed loans, my pre-qualified loan amount disappeared for no reason and unable to make anymore purchases.  Now they report to credit agencies that I am over my loan limits and dropped my credit rating 30 points.

When I ask support why my prequalified loan amount that I did not spend is no longer available, the representative could barely type proper English and didn’t answer any questions other than saying “sorry”. 

Don’t get suckered in to a prequalified amount to spend without this info.",5,Watch out for the long haul,
angsessums,FALSE,1/6/2021 3:39,"I have used affirm several times. The first Was a situation where I had to fly to another state due to a family member being on hospice I was able to us affirm for my airfare. It helped me out in a tough situation I paired over a years time and it gave me peace of mind to not have to fork out $1,000 at one time. I Love the auto pay, once a month like a credit card, except it is all arranged and you just have to sure the payment amount is there. They even send reminders that a payment is coming up. I believe this is a great service anything you need now, but can’t afford to pay all up front.",5,Love the option to buy now pay later!,
Fairyindisguise,FALSE,6/1/2018 20:39,"I have enjoyed using Affirm and have found the app to be very user friendly and straightforward. The latest update has a glitch that I hope will be corrected soon. When you make a payment on a loan you no longer see an immediate result on the page with your list of current loans. If you don’t make a mental note of which one you just paid there is no way to tell. This lack of immediate feedback (unlike the previous version) adds an uncharacteristic level of confusion to what is otherwise one of the best apps out there. The info may update if you log out and back in, but you shouldn’t have to do that to see where you are in the payment process.",4,Mostly great! Glitch in most recent update.,
CieraNicole,FALSE,1/7/2021 13:53,"I like how affirm has low interest and it’s easy to use. I also like how they use all major websites that we use frequently. The ONLY thing I do not like is if you purchased multiple items that were in stock at the time of purchasing and AFTER you check out.. a couple days later an item is out of stock as you already put it on your affirm monthly payment account.. if not available, they will have you return the WHOLE purchase amount of ALL the items that were on your account INSTEAD of letting you replace the item with another and pay the difference or add the difference onto the already existing affirm payments.",4,Fine until something is out of stock,
Seenael,FALSE,8/13/2019 5:16,I love to travel and sometimes I find a great deal that I must book but am not ready to pay in full. Affirm allows me to secure the vacation and pay monthly or quicker when the funds come through. The only bad thing is they hit your credit with a hard inquiry every time. So be careful how often you use the service. It would be much better as a rolling personal loan for people like myself who have used them three times within a year for different vacations. That’s three major pulls on my credit. Apart from that I enjoy the ease of securing the funds and the site on checking my balances etc.,5,Real help,
D Trumpp,FALSE,5/12/2019 11:44,"After many years of being unable to purchase needed home furnishings due to bad credit, I found Affirm. Affirm not only helped me finance the furnishings I needed; they did so without any finance charges. Make your payments on time and you can not only buy items that you need, but add a positive credit entry to your credit history which helps increase your score with the 3 major credit bureaus. After a positive experience with Affirm, I found that my credit availability has increased and is now helping me re-establish a better credit rating than I ever thought would be possible.",5,Bad Credit? Improve your credit score now!,
Sniperfromthe3,FALSE,6/18/2018 17:58,"It’s a really good app plain , simple, and easy to understand. The only reason I didn’t give it a 5 star review was because one time I tried to do a payment and the application started lagging and displayed an “error” screen & I tried it again and the same thing happened except it charged me some random amount instead. In the end I got charged for both payments even though I only needed one more payment to finish paying it off and I guess I called 3 days after it happened so affirm couldn’t do anything to help . So I filed a claim with Wells Fargo and they got me my money back. Only inconvenience so far besides that no complaints .",5,Really good app,
Yas 2 curious,FALSE,9/18/2019 12:23,"Affirm by itself is amazing! Through them I was able to buy stuff and pay later a little bit at a time. This makes life just a little easier. Affirm’s service is great, however their app can use a little attention. The links are unresponsive. I tap on the links to the stores and the link to “see all offers” but nothing happens. They highlight to the touch and nothing afterwards — a bit anti-climactic. I would love to see the rest of the offers, especially with the holidays around the corner. That aside, it’s user friendly. Easy to understand and navigate. Having all of my purchases in one location is so convenient. Five stars for Affirm. Four stars for the app.",4,"Great service, ok app",
nshdjsn,FALSE,4/22/2020 5:58,"A little over a year ago I left a long term relationship with a guy I had been living with. His house was fully furnished when I moved out of my dorm room and in with him so when I left I had no furniture, not even a bed. I was a college student working part time while going to school and my credit card was already maxed out from buying textbooks and the futon I was loaned by a friend was killing my back. Luckily with this app I was able to get approved for a loan to buy a mattress and bed frame and make low monthly payments that wouldn’t kill my budget, or my credit score. So sincerely thank you,
From a broke college student",5,This app is a life saver,
BCCSO,FALSE,11/8/2019 0:49,"I’ve needed small loans for my small Cafè when equipment breaks down.  Super easy to see if I have the amount needed available & assigned a card number to use immediately.  I had a beverage refrigerator delivered & installed before a local distributor could get me a price for a new one to replace an out dated dead unit.

I needed some front-end repairs & new tires for my Honda, again, so easy!  I checked the App to make sure I had the funds available, went to the Dealer, pulled up the App, entered the funds needed,  picked a pay back option, accepted the Terms, and gave the temporary card# to the Service Advisor & left with my “like new” vehicle.  Thanks Affirm!",5,Convenient access,
mkmRFD36,FALSE,7/14/2018 21:55,"I’ve been using Affirm for about 2 years now. It’s really easy to use and they have provided me with just enough for the things I just didn’t have all the money for. It’s a hefty interest rate, but for smaller amounts of money, it doesn’t add too much. Not to mention I’ve always paid off my small loans before their end date anyway so I never paid all the interest. I’ve noticed if I keep my payments at least a month ahead of schedule they allow me to borrow again for other things as I pay off my current loans. I’ve pretty much used it for things I needed around the house. Give it a try.",5,Really helped me get what I need easily,
Megaritchies,FALSE,8/24/2018 12:13,"Not sure if it’s showing my current balance owed/paid in just because i’m at the end of my contract or it’s just a recent feature that’s been added in an update .?.?.?(that’s why only a 4⭐️)
   Shows some useful info (or at least it does now) about your loan account status and payment history all the way to the very first payment made , they’re all there... But overall functionality and app navigation are easily accessible. The app did what i needed it to do , which was give me the current balance & the balance owed and verify that my payments were received. I would recommend downloading this app if you have a debt with AFFIRM and like to keep track of your loan progress.",4,AFFIRM App,
Corrupted Engel,FALSE,11/10/2020 6:07,I’m liking the non credit evasive checks. Fair spend amounts for said non evasive credit checks. I’m going to assume as time goes on and on time payments happen the spend limits will increase. I’ll find out soon enough. I enjoy the no penalty for paying ahead of time and even the possibility of getting back some if not all of the interest amount if your loan is fulfilled before the end date. Interest is a bit high but again for the no hard credit check it’s fair but if there was a way for the interest to go down as time passes through good business partnership then that would be fantastic.,5,So far so good,
Wiskey 55,FALSE,6/2/2021 22:52,I have use your account before and had to pay monthly So I purchased the item thinking that it would be the same thing pay monthly so I called make a payment date tell me a must pay twice a month I could just use a credit card at twice be so I purchased the item thinking that it would be the same thing pay monthly so I called make a payment date tell me a must pay twice a month I could just use a credit card if one pay twice a month or just you know what I will never use your services again I don’t need your services I feel what the heck let me use it suppose are use the $4000 but you said I could use anyway terrible terrible terrible terrible terrible crappy terrible I want to see something else but I won’t use profanity a lady might read this,1,You changed your rules so I’ll change mine dump you forever,
Affirms#1Fan,FALSE,11/3/2017 22:52,"I have been able to refurnish my home and closet on monthly payments with no hidden fees. I was given the option on 3 6 or 12 month payments. Affirm has loaned me well over $3000 and I've never missed or been late on a payment. That included a trip to Puerto Rico through Expedia. Your first payment isn't due for a month unless they require an immediate down payment. The best part of all I started with a credit score of 340 in March and I am currently at 661 (I had one coll debt that i cleared the same month as my first loan) . Affirm is going great places !

       -Enjoy and spend responsibly",5,I loveeee Affirm . I've told EVERYONE and probably earned a position in the company !,"{'id': 1678258, 'body': ""Hi! This is great to hear! We'd love to chat with you more about your experience, if you're willing. You can reach us at help@affirm.com !"", 'modified': '2017-11-06T18:33:02Z'}"
Momma Obre,FALSE,5/5/2021 20:19,"I needed a new air conditioner and had the money but really didn’t want to spend it on a new ac and saw the Affirm pay on the Walmart website and thought I’d give it a try. Was automatically approved for the amount that I needed and easily signed up for it and now my mew ac is on its way. I was actually very surprised at how easy Affirm was to use and sign up for. They make it in plan simple English terms how to use it and also give you a smaller window that explains things perfectly if you may be confused about something. Will definitely recommend Affirm to anyone who maybe needs a little help with a money situation like I did. Thanks Affirm, I’ll be cool this summer because of you!!",4,New to affirm,
alb403,FALSE,8/19/2019 17:59,"I love affirm because as a waitress, paying little by little for big purchases is really convenient. 
I however do not like the fact that one day I will be prequalified for hundreds of dollars, and the next day I am not qualified for anything and have to wait around 30 days to try again. 
I don’t rely on this service, but it is a huge bummer when I think I can splurge on something and pay it off over a couple months and then realize, nope I have to wait 30 days.
I just think there should be clear rules set. Obviously if I am missing payments I might get disqualified. But if I am making every payment on time, have numerous loans paid off, and have only used half of my pre qualified loan, why do I randomly get shunned?",3,Love/Hate,
Lucasw,FALSE,9/8/2019 0:23,"I came by Affirm when I bought a new desk and affirm was offered as a financing option.   A year later I noticed the app and it’s been great.  Whenever I need to make a large purchase that would normally go on my CC I use Affirm instead, doing so saves me tons of money in interest. Only downside being that you have a maximum of 12 months to pay anything off so don’t buy anything to outlandish or beyond your means. I have used affirm 4 times so far and usually end up paying off the loan a few months in advance since it’s very easy to setup. 

If you have good credit Affirm is a no brainer.",5,Great Service Just Don’t Go Crazy,
Erod07,FALSE,5/26/2019 6:05,"I really like Affirm! I like how they send you email reminders and also a text reminder (as I am horrible at making payments by their due dates, not for lack of money but because I forget...... Instead of feeling like the other companies are sabotaging me to make profit of a late payment, I really feel like this company cares and is trying to work with it’s customers to remind them to make their payments on time.....which I know technically is not their responsibility.... but being a single mom with four boys I really appreciate it. 
It makes this a company that I will continue to do business with.

Thank you affirm!",5,Really like this!,
bgdadydnk,FALSE,4/14/2019 2:37,"This is the 2nd time I’ve used affirm to purchase some items that I didn’t want to wait till I had the cash on hand to buy, sometimes you just can’t pass up a good deal!! Affirm has been awesome!! Once it was setup all I had to do was go in monthly and pay my payment with the card I put on file, indicating the amount I wanted paid and hit confirm, money was taken out of my account and I was done till next month!! With the first one when I had the extra to pay it off and save some interest charges there were zero issues with paying it off early!! Can’t ask for much more!!",5,Affirm app works great!!,
wishIhadsamsung&Cricket,FALSE,1/15/2021 6:41,Garbage would not allow me to send bad review maybe if 5 stars they won’t flag  gonna rewrite it but Charging me for 3 items. 1 was bent and returned with a similar replacement! 1 was wrong part and returned and 1 I canceled and remains at the company. I am still after 4 months and an email stating the affinity was informed of the returned items . The updated the first I paid for the first and am still being charged for the third item. This was aug. 2020. You owe me but you can’t talk to anyone. It’s a trick. I’m supposed to pay $800 for something that never arrived 4 months ago. Not happening. Stay away.,5,No body to help no number to call !,
Myline2,FALSE,10/24/2019 19:52,Affirm is an awesome affordable way with a quick turnaround with a confirmation that you have been approved! for me to buy products on my terms and allows me to pay early. On a date that I want to pay! Highly Recommend for those who make their payments early or on the date due. To be able to have the freedom to get what you need/want now! I will continue to be a customer with Affirm as long as the company is! I love this company! Customer service is easy to work with and I enjoy working with them. My products that I purchased are top Quality which was a Leeza mattress and a MacBook Pro Thank you Affirm!,5,I love using Affirm!,
akindofKaren,FALSE,7/3/2020 9:41,"When I first found & used Affirm I was so excited! I use it mainly for shoes but a few other items as well. I was so happy to finally be able to get the shoes I could never afford because I don’t have a lot of extra money after bills. So when I was able to use Affirm to purchase & pay in small amounts it was a life changer! But I don’t have the best credit & since I missed some payments in OTHER areas of my life, I’ve been unable to get more shoes. Keep in mind I’ve never once been late or behind in my payments to Affirm. Before I was cut off, I’ve invested thousands of dollars with Affirm & usually pay off my debt to Affirm several months before final payment is due. So, unfortunately after I pay off the last 2 I have on the books I’ll be taking my business elsewhere. Oh well, life goes on. There’s billions of investors & billions to invest.",1,Love fades,
tattstarfreak,FALSE,8/10/2018 15:35,I have used Affirm 5 times now and have fully furnished my home without huge interest fees. I can shop at my favorite stores and I’m not racking up credit card debit just easy payment plans that I pay off in 3 months but have the option to pay off early too without penalty. You can even make payment over 6months to a year but the faster I pay off the sooner I can get more great stuff for me!! Now if only they would do the same loan process to help with getting my two credit cards down at their rates would be amazing!! Great company great app! Easy and clear! Try a small loan today!!,5,Best loan service ever!!!!!,
Viper300tt,FALSE,12/29/2018 15:23,"System would not connect to my bank account due to login information? I opened a separate window just to verify something hasn't changed, which wasn't the case because I easily login in and back out twice. Tried using Affirm again and once more could not connect to bank account. Since I have more than one bank account, I tried using another and received the same error. However, this time it some how connected to the second account after the fact? I then had to disconnect. I am now permanently unable to try again, even after reaching out to multiple representatives, who were of no help. Customer service doesn't seem to have much of an availability to do anything, saying everything is computerized and cannot be modified. Therefore, I am still uncertain to what happened and why I am locked out?",1,Wrong account,
Catcar3355,FALSE,4/14/2019 17:08,"I cannot say enough about Affirm. Gives me buying power that I may not have. Zero hidden fees. The app is so simple and user friendly. I purchased an upgraded Wedding Ring that I would not have been able to buy at once. I also noticed as time goes on and you consistently pay on time the amount you can borrow increases. My advice to you is only have one loan at a time. Pay one off before using again. Don’t get yourself in a spot where you have multiple payments a month. 

So many places are accepting Affirm. I hope they don’t change the way they operate. 5 stars",5,"Honest, Easy, convenient, Transparent",
Kametrue,FALSE,11/8/2018 10:58,"I recently relocated to a different city with no furniture, not even a bed. I was stressed out because I needed to wait for my first paycheck to get the ball rolling. Affirm helped me to place an order on Wayfair immediately I knew the terms and conditions and the option was a blessing. I was able to pay off the loan over time and even get approved for more while I was simultaneously paying off the first loan. The App is very straightforward and easy to use. I recommend this service to anyone that’s starting out for the first time. It was a quick easy way to get the things I needed without stress.",5,Came through in a time of need.,
max boca,FALSE,4/6/2020 11:28,"The customer service rep that I talked to about a mishap between a purchase and a vendor, was very passive aggressive. I was reaching out because I was approved for an amount $10 over what the original total of my order was and ended up getting charged another $100 from the vendor which in turn basically canceled my virtual card. The rep seemed annoyed I was asking a lot of questions, and had some responses that just landed me back to square one. I reached out to the vendor and all they could find was the charge for the original amount, so I have no idea what happened and just canceled everything. First bad experience with this app, just frustrated. No one could give me a clear answer.",3,Customer service experience not the best,
ldooley9162,FALSE,1/20/2021 21:54,"This purchase through MyPillow was my first experience with Affirm. OMG! It was great! I love affirm. It gave me the opportunity to purchase something I may not otherwise have been able to purchase. It made my Christmas got my family so so so
Much better and happier! Thank you, Affirm. I will absolutely be using this app again in the future and highly recommend it to everyone. It affords you the opportunity to buy something over months and months of low payments so you can buy what you want even if you don’t have the actual amount that day to make your purchase.",5,A great payment source!!!,
Tony_Paz,FALSE,5/26/2020 17:52,I’ve been using Affirm for about a year now and within that year I managed to use about 5 loans total. First of the “prequalified amount” given is a real good tool to have shows you what budget you fall into. Second of all as your paying off loans larger amounts become available to use which is great instead of having to wait for a bank to increase a credit card. Affirm doesn’t affect your credit score as much as a bank loan or credit card would but it does show up as a soft pull. A great app to use! All in all I recommend using Affirm for all of your future purchases.,5,Honest Review,
Medina254,FALSE,12/28/2019 13:41,Every year I used them to pay my sprint bill to free up cash for the end of the year but this time they declined my payment with sprint for the first time ever. I don’t need a card or credit service I can’t count on or trust so as soon as I pay off my account I will be closing this one. I also noticed that the APU went el way up and even if you opt to make the payments in 3 months instead of 12 the lesser rate is less then 1% of the higher rate. Censorship on what I can use a high rat card is not what this company was about when I first started using them years ago.,5,Was the best card I had but not no more,
DrIndia,FALSE,7/11/2019 18:15,"I was very hesitant to download the application since I know there's often hidden fees or other things when it comes to getting a loan. But I was really surprised to see how easy and fast it was to be approved for a loan with affirm. They give you a virtual card number to use anywhere and you can use it anywhere you want. Making payments is extremely easy as you can just do it through the application. You can also adjust the payment plan according to how you want it, 3mon, 6mon, or 1 yr. You can also make payments anytime you want. Highly recommend!",5,Amazing loan application! No strings attached,
Endless Opportunities,FALSE,2/25/2019 11:34,"Since I have first started using Affirm I’ve hand nothing but great experiences. Having the ability to make a purchase without paying right out of pocket is great! “It also depends on the amount of the loan you’re approved for each individual is different.” I’ve made several purchases using Affirm and have made all monthly payments on time. You also have the ability to pay the purchase/loan off early saving on interest and all this can be done without a penalty. I prefer to pay loans off in half of the time I’ve selected. If your weary about Affirm don’t be!

Sincerely,
Happy Customer",5,Endless Possibilities,
Craig Mack 10,FALSE,10/19/2020 18:06,I started to look into Affirm when I was looking to make a purchase and saw they were an option to use. Once I got through the set up/sign up process I had to look twice because I was surprised at how low the interest rate was to essentially borrow $300-$400. They also allow you to pick your pay back time frame from 3 months all the up to 12 months. Super convenient and the fact that you can pay early and add as much or as little as you want with no penalty is awesome. I’ll definitely be using you guys in the future for other purchases.,5,This app/company is excellent,
Adri2514,FALSE,6/9/2021 17:34,I used to love affirm and how easy and fast they were. I have been using them since 2018. I used them 6-7 times. I loved how you are able to set your payments and how long. Since I got married last year my last name changed and when uploaded my a phot of identification they started to decline me. I sent them a few emails and no help. I have never missed a payment my bank account never changed nothing had changed but my last name. Yet they still would help. I tried to explain and asked them if I can re submit my id and information. No help their customer service on their identification side is horrible. Don’t change anything and I’ve learn it’s best to lie to these people instead of being honest. I was being to honest. At least thanks to all this I just pay full price. So thanks for at least that,1,Identity,
fefanny,FALSE,10/14/2019 21:36,This is just what I was looking now I can buy and pay in small amounts back so easy. I’m on my 5 loan done and i have no issues at all everything goes smooth. And interest is really small. I just can say to anyone is looking to an app help u with your shopaholic problem this is what u need I can buy from 3 stores at the time and pay every month without hurting my pocket. I know ppl just said ohh I prefer to pay right away but what happen with ppl just leave check to check and just have small amounts to buy what they like this is the best thing u can use no regrets thanks AFFIRM keep going guys,5,In love,
ChemiEngineer,FALSE,4/28/2019 12:17,"You can tell through the stores that the app offers special deals through this is kinda meant to be more of ""buy that expensive thing you want and pay over time so it's doesn't hit you so bad"" but when my mother died, we were Inbetween paychecks because of our cycles and didn't have money to buy my father groceries to cook for him. Affirm to the rescue, made a virtual card, bought him groceries and cooked for him in the rough time and we simply paid it off in a week or two later when our up cycle came again. It's real piece of mind knowing affirm has your back.",5,Really handy in a bind,
Migs865156,FALSE,2/19/2020 21:17,"I used this simply because I wanted to keep my credit cards clean and not affect my credit utilization which in turn affects your credit score. Sounded like they never do a hard pull. Well once I paid off my account, a month early, it showed up as a new account on my credit reports under Experian.

Well that defeated the entire purpose of using this! I literally had no reason to use this and even paid a small amount of interest, when I had interest free credit cards available, all under the pretense that this would never show up on my report. I read it carefully and it sounded like they only report delinquencies. Nope.

New account on my report. Great way to decrease the average age of your accounts. Fantastic.",2,It does show up on your credit report...,"{'id': 13612480, 'body': ""Hi there! We're sorry to hear your experience with us was less than stellar! When you sign up for an Affirm account, we will perform a soft credit check that will show up on your credit report but will not impact your credit score. We do this to help verify your identity and determine your eligibility for financing. Affirm currently reports to Experian on a monthly basis. We ask our customers to allow for 30 - 60 days for any loan and payment history to be reflected on their credit report. To learn more about Affirm's credit reporting, please visit https://www.affirm.com/help/get-started/reporting-to-credit-bureaus. If you'd like to discuss this matter further, please contact the Affirm customer care line at (855) 423-3729. Thank you."", 'modified': '2020-02-20T20:45:50Z'}"
Our gal Sunday,FALSE,11/27/2019 14:19,"I have now used this great service over 20 times in less then 3 years and they've been great!  It's very easy to make your payment over your phone with the app and then it shows you how far along you have to go, how many payments are left and it shows a bar on how far along until you're completely paid off.
They has been very trustworthy and there are NO hidden fees!
interest is very sensible, you're easily approved and they make it very easy for the consumer to use it.
I love affirm and will continue to use their services!!
5 Stars!",5,5 Star,
Samantha Ritchie,FALSE,3/12/2019 17:31,"I’ve used affirm for two purchases now (one for $1,000 and one for $500) and I’ve had a really positive experience. The monthly payments are very reasonable and they always take the payment the same time every month, unlike some companies who seem to take it whenever (autopay). My only complaint is how high the interest rates are. My first purchase with them had an interest rate of 25% and my second had one of 29.9% If you have the cash, it would be smarter to just pay outright instead of getting the loan, but it is a good option if you can’t do that or like me want to build your credit",4,"Extremely high interests rates, but overall great!",
WiiRRed,FALSE,11/18/2017 4:08,"This app is the best of its kind and only of its kind on the App Store. Hopefully, they won’t change much.

Plus I love the Soft Credit Check, which is why I signed up. 

There are a few things that are bad about this service. The fact that one can’t edit there name if a typo happens. The process can’t complete if the name doesn’t match the info from the Social S... number.  

My mother tried to edit and couldn’t. She asked for help from the technicians, but they made an excuse saying: “Sorry. We can’t. This app is still new.” I’m sure anyone Willkie think: “That’s pretty bad customer service if a simply thing like that can’t be fixed.”  I’m guessing they built an app that even the admins can’t edit a simple name?

Also it processes as if one purchased something just because of an authorization from PayPal. Can’t add the card to PayPal, but wish they can reverse the alleged spent amount faster than 21 days. 

Also, no report to the Credit Bureaus to date, but hopefully, they will if contacted. 

Other than that, app is Awesome.",4,"Mostly Good, Some things Very Bad.",
treycantstay,FALSE,3/22/2021 15:54,"Scrolling through the app and touched an area about mattresses as I was scrolling and it started making an inquiry about getting financed for a mattress! I quickly backed out of it and then got an email about my “inquiry”. I responded to the email that I wasn’t trying to make an inquiry and I hoped it wasn’t going to pull or note my credit over that. I got an automated response that it’s not monitored and to go to the linked contact page. Turns out there is no way to contact them from the contact page, every option just sends you to a helpful faq page on the subject with no option to contact. I liked the app’s convenience for payment but as I’m in the middle of qualifying for a major loan I can’t afford to have this kind of thing affecting my credit",1,Started credit inquiry while just trying to scroll,
Peon#6565,FALSE,2/13/2021 18:13,"The app is very easy to use and customer service was very good. If you want to pay the balance off you can and some of the interest is removed, which is a plus. My only issue is the interest rate was high for my credit score. It was cheaper for me to consolidate this at a lower rate from my bank not long after I made my purchase. 
I would recommend this card if you found something that you want right now like I did with a great gaming laptop. Make sure you have the ability to pay it off fairly quickly. I would not recommend it for larger purchases especially if the monthly payments require you to budget or think about if you can afford it.",3,3 out 5,
AGR2010,FALSE,5/1/2020 21:03,"I’ve had 14 loans paid through Cross River Bank. Never late and paid on a timely manner. I still have two outstanding loans which I’m current and paid in advance through August-September 2020. I have no way of knowing how much I’m approved for. I applied for a small loan after paying thousands and I keep getting declined. Affirm has no customer service to find out what my total credit limit is. I’ve bought thousands though Jomashop and Bobs watches. Very disappointed can’t wait to payoff the two remaining loans and close this account and never deal with Cross River Bank, they were good in offering thousands in loans one after the other and charging me huge interest. It’s nice to know Affirm & Cross River Bank has turned their back on me. After 14 loans paid in full and 2 remaining loans which are getting paid.",1,No Customer Service,
Banan and Only,FALSE,6/1/2019 13:22,"Go to Affirm, they give you a chance and help build your credit. The terms are transparent and the payments are low. You see the progress you are making along with the payoff amount and the minimal interest, as well as how much you can save for paying off early. 
I have never had to call customer service because their app is so fricken awesome all the info is right in the app. Thank you, I just paid off my first loan and almost done with my second one that I got an IPad with. 
Affirm rocks, watch out they will take over, they are that awesome!!",5,When you do not have options,
Jren421,FALSE,4/24/2020 13:46,"I don’t get this app. I just installed it and before I have entered anything but a phone number I get a message that says sorry you do not qualify our decision is final.  Wouldn’t they like my birthdate, maybe my social, at least the last four, an address? None of that is associated with my iPad or my phone number. 

Ok. Thank you.  I mean at least they didn’t waste my time maybe I should give them another star for that but where in the world did they pull that information from and why is that a bit scary? 

Then the very best part is to read their blog about the Corona Virus that has ruined mine and everyone else’s life ( P.S.- Blessings though, my hours are cut a bit but I worked from home teaching before the world exploded in chaos so I didn’t lose my job or have any lag in income) but the blog is all about how Affirm is helping give hope by providing monthly payments in this time of crises. That is what I was looking for as I am still trying to be careful but did need to update a few things to keep my job going. 

However, I guess this is not for me and not to be because as they so eloquently told me in a brutal statement of hope, their decision is completely final and so is mine. Delete.",1,Why bother,
MattBatFilmsYT,FALSE,12/29/2018 8:18,"These people do an amazing job with loans, I pay all of them on time and perfectly. I got more credit, I can buy the things I love at a pretty low interest rate. And invest in things I need using the Virtual Card, I love the Virtual Cards because you can use them for pretty much anything which makes it almost like a personal loan or a credit card for example.

It’s all transparent and easy to read and agree to, you can get money within seconds. And I enjoy paying these off early so that I can get lower interest and more of a credit pre-qualification limit. 

Love you Affirm!! ❤️❤️",5,Love it!,
annoyedandbeyond,FALSE,7/17/2019 2:12,"I’ve made many purchases with Affirm with no issue whatsoever. Sometimes there are great low interest deals, but it appears random. Example: Advertised was 0% at Jomashop.
I was approved for 10% and my credit is good and I have been a loyal customer. I decided to hold off and see if someone has the watch I wanted at a better price and no luck. A while later I found a 0% interest deal in the same watch at another site, but price was high. Went to Jomashop because it was cheaper and the interest rate was 30% and before was 10% and 0% at another site. Doesn’t make sense at all. Kind of hard to shop for the best price using this. Otherwise it’s very easy with automatic payments and you know what you are paying out at the end. Affirm, please fix this! Thank you!  Al-",1,Never an issue,
*_SUPER*St@r_*,FALSE,5/8/2018 10:31,"I am from Puerto Rico, I tod by living in here I didn’t have the opportunity to get a loan via internet.  But affirm is really the 5 stars that I am giving here. They gave me the opportunity and really safe my life on my occations. I even had a really good vacation seens last year and it let me even pay much other stuff having allready 1, 2, 3 loans with them. I really trust them and I considerate that the APR% is not to high like other bank or financial that I have. The only problem that I have with them is that It dosen’t let me pay on ebay, don’t know why? But for everything else 200% excelent!",5,Affirm safe life in many times,
Shine.C,FALSE,6/21/2018 15:54,"This company has been a lifesaver! Credit score is average and I have been approved for great amounts. The more you purchase with Affirm and pay off balances early/ on time the more Affirm trusts you and approves you for more and larger loans. The interest fees are very fair when creating a loan for your purchase. Gives options for how long you’d like to pay back and explains for each option how much interest you will be paying. Only downfall is not every site will accept Affirm credit cards due to not being familiar with the company. For example, I tried purchasing with Footlocker and they cancelled purchase.",4,Quick and Simple!,
Dr Contra USAF Retired,FALSE,5/2/2020 20:47,Many times I have done without the small luxuries of life due to the fact that $750 in a lump sum just didn’t seem worth the budget sacrifice. Now with Affirm I have the chance to get something that is definitely not a necessity but something I would like for my very hardworking and most of all loving and deserving wife to make her life a little easier. Sharks new Robot IQ Vacuum is just that item that with the help of Affirm and 12 easy affordable payments we now are proud owners of one. Well worth the investment never a thought whether we made the right choice or not.,5,Where have you been,
Champagnecel,FALSE,2/8/2020 0:29,"Overall service is amazing and very useful. Making purchases are nice and simple. All the rates and terms are clearly laid out and nothing is hidden. The APR is a little announcing sometimes but for this type of service that is to be expected. 

The main issue with the app is with navigation on the store sites. Not sure if this is a Affirm developer issue or each store’s website issue but things like no back button, content being covered, having to refresh the page to get pictures to display happen pretty frequently.",5,App is great but not excellent,
tmills78,FALSE,1/24/2019 7:15,"I first became aware of this app while buying a pricey interactive workout mirror. I financed it with a 0% APR loan offered by them. Having the ability to have them review my credit score but not place a hard pull inquiry on my credit report negatively affecting my score was a plus. Financing the purchase over 12 months at 0% APR is another amazing thing. I set up auto pay easily and then was approved for $500 more for a purchase in the next 7 days. While the terms of such loan are at a higher APR, and though I may not utilize the loan offer, just knowing it is available is amazing. Ingenius app!",5,Stellar App,
Happy Affirm Shopper!,FALSE,3/2/2019 17:23,"I’ve used Affirm several times and the experience has been great! I have been able to buy furniture for my home and even shopped online retailers, for example. Of course, your credit limit is only as good as your credit, but Affirm seems very fair with what they loan you, and the repayment amount is very fair as well. I will continue to use Affirm for future purchases, and the app’s ease of use definitely makes it a breeze to shop, and even has an automatic notification of what I’m prequalified for so I don’t have to apply again and again! Great job, Affirm!",5,Great App and Company!,
super_trev,FALSE,12/22/2018 22:11,"I used Affirm for several small purchases, out of curiosity more than necessity. Unlike some personal loans, Affirm does not have a prepayment penalty so I payed these small loans within a week or two to avoid interest charges. Apparently however this was unsatisfactory to them as my account was closed. I contacted support and the reason given was that my credit score was below the minimum requirement, which is surprising considering that my score had increased several points since my first loan. I explained this in an additional email to support. I didn’t receive a response.

If you intend to use this app as a primary means for online purchases I would advise you to use caution. You would be better suited using your rewards credit card if you intend to pay the debt off immediately.",1,Use Caution,
sweetieinmd4u,FALSE,11/23/2020 0:53,So I have financed about 8 designer handbags with Affirm. I can understand the higher interest rate for the first couple. The thing is never did I ever miss a payment. My payments were always way ahead and all my loans were paid off months in advance of the deadlines. My credit rating is much better this month and I just checked to see what I could get and the interest rate was higher than I ever have had and that to me has made me super upset. I am disappointed that Affirm does not recognize my excellent payment history and many loans paid way ahead of time. I feel I deserve much better as a great customer but I will stay away from Affirm now and finance with other lenders who will give me much better rates and customer service.,2,Not so great,
Mjagger,FALSE,1/25/2020 12:35,"I never received my merchandise from the vendor, however they wanted me to continue to pay for something I never received! I tried to get a hold of the vendor however they do not have a phone number yet affirm support some vendors with very low standards. They treated me as though I should be doing all the work, this would not happen if I used Apple Pay, American Express, Visa, Discover, MasterCard… If you want to pay money to get absolutely nothing but email after email after email… then you will absolutely love this app because it is complete and total garbage! They also drop your credit score a little bit when they are fumbling to try and get your money back, which took them about a month and a half. I will never ever deal with Affirm again!",1,I did not receive my merchandise from a vendor!,"{'id': 13146655, 'body': ""Thank you for your note. This isn't the experience we like to create for loyal customers and we apologize for missing the mark. We appreciate the feedback and would love to get more information from you to help address your concerns about your recent experience using Affirm. Connect with us at help@affirm.com or speak to one of our Care agents at (855) 423-3729. "", 'modified': '2020-01-27T22:47:53Z'}"
Thesearethefacts,FALSE,2/7/2019 5:18,"I only use the 0% interest offers, but I’ve already purchased a mattress and a nice little Christmas gift with affirm. The app is super easy to use and intuitive. The progress meters are great and show how much you still owe. I browse it occasionally to see if any of the up and coming brands have partnered with them. Sometimes, combined with eBates, I make a large purchase, get paid and pay in installments. I’m also collecting interest by having more cash in savings and making 0% interest payments through affirm. Highly recommend.",5,Why pay interest when you don’t have to?,
rachelajewel,FALSE,11/12/2018 23:06,"It helps you establish credit history. And you don't have that credit card in your hand that you can just walk in a store and just make a purchase. You really have to think about it before you go and commit yourself. Plus it give you the option to pay it in full or in 3,6,or 12 months. What ever works for you. Like me I saw some Nike that I wanted to get for my son but I didn't have the money at the moment and bought then Affim was able too buy them and pay them the next month in full with no interest pay. Love this people...",5,Opportunity,
jess_cccc,FALSE,9/21/2018 17:14,I love this app! It was prompted as a payment option a few months back for a purchase I was making on wayfair for a bathroom vanity. He vanity was on sale but I didn’t have the funds. Affirm saved the day! And I was able to pay the loan for a 6 month period. I’ve since used it at other online stores and last month when my pool pump broke which was an unexpected pricey expense. I recommend it to anyone who has decent to great credit and likes to payout loans (that don’t count as a hit against your credit score) in full over a short period of time.,5,Absolutely amazing alternate lending,
pryorkies,FALSE,10/3/2019 15:42,"I absolutely love affirm . I was kinda skeptical about it at first but I have made 3 different purchases 2 items that were pricey & I was unable to purchase the items outright but with affirm I was able to purchase them & have payments that I could afford without a high interest rate basically 90 days same as cash & I can payoff early without any penalty’s also I have one that Is a 6 month loan & I my interest is about $6.00 & I can pay that loan off early without a penalty & save on the interest 
I highly recommend affirm & I will definitely be using them again ♥️",5,love it,
Boom bam bop,FALSE,8/21/2018 16:07,I used this app and company for one financed item totaling near $500. I was late my first month because of the way I am paid from my job but paid in advance for the next three and before those next three months were over I payed the remaining balance off. Unbeknownst to me paying things off early in Affirm means you will likely never get approved for another loan through them. I have an excellent credit score and have never had an issue getting approved for any other small loans or credit cards so the only conclusion I can come to is that Affirm looks for bad debtors. I understand that I’m not entitled to a loan but it is a very frustrating situation. Thank you for reading this and I hope you have a wonderful day.,2,Great at first but not so fantastic afterwards.,"{'id': 4770329, 'body': ""Hey there - we're sorry to hear about your recent experience. Please feel free to contact us directly at help@affirm.com so we may help shed more light on your issue. Also please feel free to visit www.affirm.com/faqs/ to learn more about our approval process."", 'modified': '2018-08-22T17:13:06Z'}"
SAMossotti,FALSE,4/7/2020 19:11,"I setup a new account through a purchase from Brentwood Home. I thought I was all set when I activated auto-pay through my bank account. However, I eventually received a notification that my payment was five days late. When I called to inquire I found that two completely foreign bank accounts were tied to my account for payment and of course the transaction didn't go through. No manager could resolve this late payment history. It's obvious to me that they have a software or integration bug that has occurred and I get to have a late pay history. Are their developers notified. No. I haven't had a late pay in over 20 years! I'm going to pay this off and be done with a company who could hurt my credit with their incompetence.",1,Botched setup leaves me stuck with late pay history,
lkkjhgffdsa,FALSE,3/15/2020 22:47,"I have been with them for a long time. At first things were good than when I changed my phone number.  It became Hell! I went through the worthless help app, but couldn’t get the link to work for upgrading my number.  

So, I stupidly tried customer service.  They are much worse! They put me through the ringer to identify myself; I give them my new number, answered security questions, and allowed them to use credit info to make sure I was who they knew I was. The sad thing here is that they pulled in my siblings’ credit too (which did not have a thing to do with me—I never co-signed for anything of theirs). 

Shortly afterwards,  Affirm said, “We cannot identify you “ and strange things started happening on my phone .  I made a complaint to customer service and stressed that I didn’t feel comfortable sending my drivers license or any other personal information online. They answer was basically “relationship has now come to an end!”  

This is a sorry way to treat people after you have gotten them to go through a lot to keep your information current! People don’t bother, no matter how good you pay. They will say screw you. Which is pathetic and sad.",1,Worst experience ever!,
Hannnahtotto,FALSE,10/22/2019 1:01,I got a refund from a large purchase I had made and the company accepted the refund and told me that Affirm will refund me within 3-5 business days. So I wait over 5 days and contacted them asking where my refund was. There response was “oh seems like the was an issue putting the money back in your bank account so we will have to send you a check” and I reply back asking why wasn’t I notified of this and why is it not going back to the original form of payment. I have not changed banks or debit cards or any numbers so there is no reason for them to hold my money. So now they are issuing me a check and said it will take a month to get there.... on top of all this they never answered my questions as to why I was never notified. Very fishy company and I will not use them again for anything.,1,Thieves,
tronbonjibaro,FALSE,9/27/2017 18:09,First of all thank you AFFIRM for your understanding and paciente with regards to my account. After undergoing an open heart surgery I had no ther choice but to just make the payment whenever I could and this included also being late sometimes a whole month and a half... they still do not know what happen to me but I know if it would have been any other creditor my account would have been defaulted I'm back in track paying my balance forward on time now and more than appreciated to AFFIRM for not damaging my credit rating!!! THANK YOU ONCE MORE,5,"""Excellent paciente and customer service""",
GameRaider94,FALSE,10/7/2019 20:47,"I started using affirm when I bought my Purple mattress because I didn’t really have the money to pay for the whole thing at once and they didn’t put any interest on it. After I went to make my next Purple purchase I knew I was going to use them again. Then I found out I could pay for my plane tickets through them and I said “yes please” of course there was interest on the plane tickets, but it wasn’t to bad. The app has been easy to use and very convenient, and it makes getting to all of my purchases simple.",5,"Easy, convenient, accessible",
g SF ifgcv,FALSE,10/18/2019 21:10,"I’m a recent victim of identity theft and with Affirm the cyber hackers were able to take out thousands if not mote worth of loan for merchandise. I’ve watched them spend 2k through my email not being able to do anything because Affirms website is not user friendly in my opinion. Then after I finally get ahold of them to inform them of the charges, they cancel my account not allowing me to order anything that was stolen from me  that I need to continue running my small business.

This application hopefully will reimburse me every single penny. Be careful before using this app, it doesn’t seem too safe in my opinion: my information was stolen from a B&E but if my identity theif has been able to accumulate this much loan and materialistic items. 5k worth who knows what’s possible.",1,Affirm has destroyed my financial freedom.,
Ethan MS,FALSE,4/22/2019 23:10,"I’ve been using Affirm about a year now and it’s been really helpful. I’ve gotten to indulge in a few extra purchases without having to front all the money out of my pocket. I’ve done 18 loans so far and paid 14 of them off. Recently my minimum purchase price has doubled from $50 to $100 with zero explanation. Not sure why, but if slowing me down or stopping my activity was the goal, I guess they’ve succeeded. After I pay off these last 4 loans I am unsure if I will continue with the services. I guess all good things must come to an end.",5,I’ve enjoyed it while it lasted.,
Ryguy1977,FALSE,3/5/2021 13:03,"I really enjoy Affirm. It’s nice to know how much interest you are being charged up front, which I have not paid the full amount of interest on any purchase so, as I have always paid the full amount off well in advance, which they do not penalize you for doing. It was extremely easy to enroll and I prefer it over getting a credit card. Extremely easy to use and allows you to be able to purchase things without feeling like you are being bogged down with heavy interest rates. Very satisfied and highly recommend!",5,Awesome!!!,
Angel.Anson,FALSE,9/23/2018 17:44,"I literally just signed up and tried to purchase to different times of less than $200 dollars and was denied because they couldn’t verify my information. The first attempt I just assumed that it could’ve been a glitch. So I processed a second attempt for a different merchant and that too was denied for the same reason. When I signed up the security question asked me about my current address, which was accurate and I selected yes of course. Normally any one out of the three Bureaus ask that type of question for security purposes. So I truly don’t understand how can they not “verify” my identity... There should be a customer service number to call in order to talk to an actual person in order to resolve a clients issue versus waiting “24 hours” to waiting on an emailed response.",1,Not a good first impression,
GuardianJoe,FALSE,1/31/2020 19:22,"As someone who has seen the far corners of apps and credit applications, it is astounding to witness something that doesn’t feel like it’s trying to rip you off and still manages to be easy, simple, and modern. It’s beautiful. 

The interest is shown front and center and it is completely up to you how much you want to use on a loan, provided how much you are pre-qualified of course. The app is very streamlined and friendly. You know exactly how much you will pay per month based on your purchase and you are shown exactly how much you will pay in interest.

Since it only allows 3 month, 6 month, and 12 month options, it makes you think more carefully how much you are willing to pay if you want. The minimum loan is $100, so you may want to take that into consideration as well. All around I am impressed. 

And since I can’t resist, if someone asked me if am I satisfied with app. I’d say Affirmative! :)",5,Amazingly Modern and Transparent,
ihateaffirm,FALSE,2/18/2020 23:04,"I’ve been with affirm for about 3 years now, have gotten (AND PAID OFF IN FULL) multiple loans ranging from $30 all the way to $1000. I have never had any problems until I am one day no longer qualified for any loans! I attempt to speak to customer service about this multiple times throughout the last year and I get answers like “it could be the card you linked” but my card had stayed the same, or “we can’t control or override the system” well no crap! That’s not what I’m asking! I’m asking why the hell do I have an account with affirm that’s been in good standing and now I’m NEVER able to get a loan. I don’t even care for a response from Affirm. I will ALWAYS get the same run around answers as they always try to blame the customer.",1,Faulty prequalification system,"{'id': 13612377, 'body': ""We're sorry to hear your experience with us was less than stellar. This is not the experience we like to create for our loyal shoppers and we apologize for missing the mark! We'd love to take a closer look into the matter. Connect with our team at help@affirm.com and we'll take it from there! Thank you."", 'modified': '2020-02-20T20:27:29Z'}"
mack 1218,FALSE,12/30/2018 3:46,I’ve had this app for a while And was recently on vacation one of my credit cards did not work and if I was to call the credit card department they were closed because it was during Christmas holidays So I used the  affirm app and  had no problems Using this App for an emergency Airbnb which I booked same day during Christmas holidays which is unheard of The amount was like $ 800 put the virtual credit card in my Apple wallet bought the air b&b and leave me with no problem love this app if it wasn’t for the app I would not be with my kids facts !!!!!,5,Trust me in the time of need,
Carlcal9,FALSE,7/5/2019 17:17,"My phone number changed. So, i figured it would be pretty routine to give them a call and update it. 

Well, I was wrong. First, they asked identifying questions. No big deal there, i answered them. Then, they asked for a photo of my drivers license. Sure, I’ve done that one before too. Then, i was told that there was an additional step, and that i would have to send them a picture of myself with a timestamp. Which i promptly said no to. Not very professional, and to be honest, pretty creepy. No mention of how or where they store their selfies that they collect. 

So, they removed my access to my account because i would not comply. But, they are still auto deducting the payments every month. All of this, because I asked to have my phone number updated. So, beware!",1,They required a timestamped selfie,
Little Haiti in Pittsburgh,FALSE,6/19/2018 20:28,"I’ve use this option on a number of occasions. I first used affirm as a graduate student (I needed to cover costs to attend a conference which I was presenting at). Repayment was convient, with no penalty for paying off my balance early. I’ve since used Affirm to finance a family vacation, and more recently to finance purchases for my business. I’ve since recommence Affirm to family members. Im seriously considering converting my traditional credit card use to financing with Affirm for future personal and business related large ticket expenses. Well worth it!",5,"Convient, costs less than using a credit card.",
LeighLeighB,FALSE,10/18/2018 9:58,"We absolutely LOVE Affirm. They are so easy to deal with and the payments make so many things possible for hardworking people to get the things they need. I would recommend them to everyone. The App is  easy to use. 

*have to take away a start for some glitches. Saying I’m late on a loan when the loan was paid and then saying I owe one penny. I try to search for somewhere to pay the one penny and I can find none. This is ridiculous. Payments have been made and cleared from my bank. What’s the issue on Affirms end. I’ve yet to be provided sensible explanation. I hope this issue can be resolved.",4,Some things great/Some not so much.,
jul0723,FALSE,2/29/2020 23:20,"I have been able to shop at ThredUP for badly needed clothes and accessories.  I get more then I did before  Affirm because I can break up total by 3 monthly payments.  It’s so easy to use.  After u shop and are checking out good to go all u do is click on Affirm and verify it’s you and in few seconds it’s done.  Once you are approved with them, you’re all set and you just click and order is complete.  I have poor credit score and I still got approved.  They just want to know if you can pay those monthly payments.  Thank you Affirm.",5,Affirm is my hero,
Liljmia,FALSE,4/28/2018 3:05,"I’ve tried both on the app and on my laptop to no avail to add my bank account on the application process. I’ve tried 3 different bank account logins for my account, all 3 with funds, transactions, and yes a checking account, yet this broken website and app keep coming back with:
 “Thank you for considering Affirm. Your bank account information could not be verified. We didn’t find an active checking account associated with that login: Please make sure you connect an active checking account.” 

Incredibly frustrating experience, and I’m just going to use my credit card instead. This app is useless if it can’t even detect and connect a checking account.. 3 different banks, 3 different checking accounts, not one connected .. 2 major banks too, 1 big credit union.",1,Broken website and app..,"{'id': 3362196, 'body': 'We are sorry to hear about your recent experience. Please reach out to help@affirm.com and we will try to resolve this issue for you.', 'modified': '2018-05-04T21:10:52Z'}"
kmccall388,FALSE,6/26/2020 11:00,"Affirm claims to offer dispute resolution, but be warned that this is just for show. Even if you provide them the exact evidence they ask for they will side in favor of the merchant. I was able to successfully pay of a loan for a couch that I love, but I would never use this company again after this latest experience. It’s been over a month I’ve spent fighting with them about a computer I never received because SimplyMac doesn’t follow their own policies to require a signature for computers. Affirm pretended as though they would help since SimplyMac refuses to communicate with me, but ultimately Affirm just wants their money. They don’t care even a little but if I pay 2k for a computer I don’t have. Maybe that’s obvious to you and I’m stupid. But if you’re stupid like me learn from my mistakes.",1,Fake Dispite process.,
Gatorsdogs,FALSE,5/25/2020 19:39,But on the off chance that you don’t actually get your order and there’s a huge issue with the order Affirm will not help you they will send your account to a credit collector and essentially steal your money from you even if you never got your item... I’ve reached out to this company several times and they have really bad customer service. Even when I got to finally speak to a representative they were very rude and in helpful. No follow up on weather they spoke to the other company. Essentially I’m stuck paying the bill for nothing and the fact that this is able to get through the cracks like this is frustrating especially because I’ve used them so much before. I’ve been a loyal customer but not anymore.,1,If your order goes smooth you’ll love them,
Alexzandra231,FALSE,12/27/2017 19:25,I have used Affirm various times to make large purchases I could not afford upfront and it is the best app ever. The lay out is very easy to understand and use. You log in using your mobile phone number so there is no struggling to remember your log in and passwords. The APR isn’t too crazy. It doesn’t really effect your credit and if you are a (little) late they won’t penalize you. I didn’t have much credit to start out with and was approved! I’ve been dealing with Affirm for a little over a year and have no complaints! Highly recommended.,5,Highly recommended,
Giniabread,FALSE,11/2/2018 12:36,This loan company are crooks with ridiculous interest rate. I’ve been a loyal customer with these guys for over a year. I’ve never missed a payment but they took a hit on my credit over a mistake they’ve made and didn’t want to admit there faults. So I paid the rest of my loans and closing my account with these guys. I’ve had got up to over $3000 in loans with these guys and paid them off I. 3 months now they’re acting like I can’t pay off a $200 loan and won’t give me another loan after something they was mistaking for. My advise DONT DO BUSINESS WITH YHESE CROOKS.,5,Unfair interest rate are terrible.,
Hmwolverton,FALSE,2/3/2020 10:26,"I am disappointed because I have always paid my loans off and have done so automatically and reliably. I am married and have my husband’s debt on my credit report; I have suffered recently as far as my score is concerned. My history with Affirm doesn’t seem to even matter, which is disappointing and actually surprising. I would have given Affirm 5 stars if they dealt with me a customer and not only as a number. I really would have expected more; if someone has always paid and has given a company only a positive experience, I don’t believe anything else should matter as much as the history between the two.",3,Always auto-paid - never late...,
Ms Sorrela,FALSE,2/15/2021 15:25,"So I think it’s a great idea that companies like Affirm exit. They help people that aren’t able to make their dream purchase come true which I think is so kool but what you do not know it that it takes 15 to 45 days for you to get your refund after you have returned your item!!!! It took me a second to place my order and get approved. Plus a week to decide if I wanted to keep the item which was returned immediately. So tell me why an item I returned first week in Jan has still not been refunded. Then when you call the automated system is stern and you can’t even speak to customer service.

Affirm what is your point please?!!!! Klarna, Shop and Afterpay are so awesome. You get your refund as soon as the store receives your returned item.

So if you want to wait 45 days then stay with Affirm. If you do not plan on returning your purchased item then stay. I have tried Klarna and the others and I have received my refund. I’m currently looking at my clock and the seconds on it wondering when my refund will show up because so far it’s been  30 days and still no refund.

Shaking my head!",2,Walk Away,
noooooopeeeeee,FALSE,5/16/2021 19:10,"It’s great if you’re going to use it once or twice but don’t be stupid like me and use it a lot. I’m talking like 30 times over a few years. I was never late and paid them all off and it all worked out smooth for me. 

The way it works is it gives gives you a pre qualified purchase amount. For example let’s say you get approved for 3000 bucks. That’s not just one line of credit like a credit card. If you use that 3000 bucks for 10 different merchants, that’s an inquiry and account for each merchant. Once you pay them off, it closes that account and will drop your score. I was wondering  why my score has been either dropping or stagnant when I pay everything on time and don’t have a ton of other debt.",1,DO NOT USE A LOT!,
bryanna jade,FALSE,4/13/2019 21:39,I’m new to this whole financing thing but a few weeks back someone broke into my car and stole my school laptop 😭 and I can’t afford to just buy a new one all at once. I work 102 hours every two weeks and go to class 3 days a week and I knew I couldn’t wait to save and repurchase a whole new laptop. So a coworker told me to check Walmart that they offer payment plans through affirm! And they gave me an offer that stands for 7 days so now I just need to go choose one and bring it home. 10/10 would recommend,5,Great financing options,
kisakye namyanzi,FALSE,4/27/2020 19:31,"I had a few good months on the app with quick verification process and instant purchase options for loads of stores. Then a few recent months back, there’s this issue to verify my ID and I can’t get a virtual card for anything to date.
   I’ve called, I’ve email customer service and no one resolved the issue. One rep sounded so clueless on the phone: “you just, like, have to get your ID verified”. I ask her how a million times, and her response a million times? “It’s on the app”. Girl, all I’ve ever had is the app. I’m obviously asking for further direction. 
   This was a helpful app but I’m over it now that I paid the final bill. I’m glad I didn’t giddily rate the app within the first uses because things took a quick turn without me doing anything to cause it.",1,Unable to Verify my ID,
Blackoctopus,FALSE,12/4/2020 20:12,"This is made for people like me who may not have the best credit due to young bad decisions but who are now responsible with payments as adults and have not been able to get financing. I pay more than my minimum as a habit and I absolutely will only get one thing at a time, but already I’ve just been blown away that a company is actually giving me a chance to show that I do try my best to pay everything back the right way and more than minimum if I am able. Thank you!!!",5,I can’t believe this program even exists! It’s great!,
Ccla2451,FALSE,4/9/2021 18:19,"I just want to say thank you, I have been able to buy tractor tires for my business and car tires for two vehicles using your service. There is no way I could have purchased these items out of pocket all at once. You were upfront on the finance charge and I can’t say enough about you allowing me to choose my payment duration. I hope you stay in business for years to come, your service is a God send to the working people who need to pay over time. Thank you, thank you and thank you again. 

Jeff",5,Compliment,
NEKEagle,FALSE,3/25/2020 16:35,"Update - I deducted one star bcoz I recall now that, although the app has worked virtually flawlessly since my third or maybe fourth loan, in the beginning back when I was a new customer, I had a lot of frustrations and seriously questioned of the app was legit.
It's been a more than a year now that I've been using Affirm and it seems that most if not all the glitches have been worked out – and, as of Mar 2020, they're offering savings accounts with pretty good interest!
Following is my original review!
With autopay this is, hands down, the best way to use and manage credit that I have found since I started using credit more than 35 years ago!
Great service, highly recommended.",2,Straightforward & exceptionally easy,
BritanyTheBrat,FALSE,6/18/2018 9:03,"After originally downloading this app with a open mind on how it might work for me, I was quick to find out it was a waste of my time and also a trap from the get go with misleading information. Upon opening the app after registering my info the little button started moving around opting me to press it to see what my pre approval amount would be “with no effect to my credit score”. Of course I clicked it and this is where the bs lie they told me not even 30seconds prior then popped up with official credit denial letter from them that however DOES affect your credit as a new Hard inquiry I’ll have to remind me for the next two years of this whole thing. Protect your Score before it’s too late because if you’re not approved right there it WILL AFFECT YOUR CREDIT SCORE IN A NEGATIVE WAY.",1,WARNING - Total Trap,"{'id': 3928833, 'body': 'Hi Britany - apologies for any confusion, but we absolutely do not perform a hard check. The ‘soft’ credit check is to help verify your identity and determine your eligibility for financing. This ‘soft’ credit check will not affect your credit score.', 'modified': '2018-06-21T15:32:02Z'}"
Ohio NC,FALSE,2/6/2021 18:37,"Affirm is easy to use and can make purchases at almost anywhere, online or even in the store. Used it in store purchase at Lowe’s when washer needed replaced and worked perfectly. 
Like how all the monthly payments are all lined out for you on the app, and if pay extra on the monthly payment then the last payment keeps getting smaller and smaller. 
Beginning to prefer Affirm over credit cards bc at least I can see an end in sight with making payments.",5,Awesome service and better than credit cards,
Ems mom Lynn,FALSE,8/2/2019 16:17,"So far 99.9% everything has been GREAT with AFFIRM. The only glitch is I was able to use the virtual card to reserve my hotel room but when I got to the actual hotel, they didn’t take my Affirm card because they looked at it like it was fake. So I had to pay for the whole room right there. 500 bam. That hurt. Has anyone had experience being successful paying for hotel rooms with Affirm?? How did you do it?? Yes you can load the virtual card into your iPhone wallet...this hotel didn’t use Apple Pay...",5,"Amazing app, just one glitch I experienced - HOTELS",
340092dn,FALSE,9/24/2020 23:34,"So it says 550 credit score mine is higher bc I have been working in it and I use Experian to check all of them. I have a Penney’s card that been paid on time for years and my student loans. I have Sezzle, Quad, Kalarna, and Afterpay for a year n two of those. I have credit limits of 1500 dollars! I’m Never late and use them all the  time! I hate that Affirms put into categories with these other companies!!! It’s a joke ! Affirm is no different than a major credit card!! It’s ridiculous to have it compared with actual but now pay later apps that actually approve people without credit scores of 700!! Shame in your company.. you will never be like the other ones! I plan on letting everyone know this on our sites we are with for the good companies in fb! Etc!",1,What a joke!,
#thefox.com,FALSE,5/27/2019 15:21,"This company is awesome! I had my eye on this beautiful couch for months, but never would take the plunge because of the cost. It went major on sale, so I did! SO GLAD! The whole family is in love with this couch. The kids are coming out of their room more and more. We are enjoying more time together as a family and I really feel like I owe all of that to Affirm. Thank you so much for allowing people to finance purchases this way! As soon as my couch is paid off, I’ll be using you to get that refrigerator I’ve got my eye on!",5,What a great way to buy stuff!,
AlainaP13,FALSE,6/28/2020 2:49,"I highly recommend adding Affirm to your payment options @ participating retailers. Their list of retailers continues to grow. I started with Affirm  in 2018 & it’s been smooth sailing. For me personally my go-to Affirm use is to easily afford my prescription eyeglasses. My health insurance doesn’t cover glasses. So thanks to Affirm’s Partnership with the fine folks at Warby Parker I can easily afford to have new glasses, quickly, no hassles w/o blowing the budget. Not to mention I was able to treat myself to prescription sunglasses for the first time ever on my recent 40th Bday! What’s not to love?",5,What’s not to love?,
steeniweeni,FALSE,3/12/2021 0:14,"I almost had a loan entirely paid off.  I selected the automatic amount to pay, and paid it.  Now I see that I have an amount of $.48 cents owed and overdue.  I am unable to pay it because it says they will not charge for an amount less than $1.  When I try to pay $1, it’s says I cannot pay more than the amount on my $.48 loan.  

There is no way to reach a customer service agent.  I don’t know how to fix this and it feels like a $.48 debt is about to mess with my credit.  Not happy at all.  I will say, this is the first issue I’ve ever had.  I was unaware that they are impossible to contact for help.  None of the selectable issues match my issue.  There’s not a chat or e-mail option. Very stupid.  I may no longer use affirm after this if it’s not solved.",1,Huge issue,
Triggerracing,FALSE,6/30/2019 19:53,"I just paid off my second loan with affirm.  One was $900 and one was $500. Perfect on time payments except for one payment on one loan with was less than a week past due.  But now, all I qualify for is $480.  My credit score is the same if not better than when I applied for the other two loans.  I have one derogatory thing on my credit report which is over 5 yrs old. Perfect paid on time record for everything else. But their “algorithm”, which is the holy grail deems we unworthy of anything more than $480.",5,No loyalty for good customers,
ghskaldjfnebx,FALSE,1/1/2019 17:54,"I do throughly enjoy this app and payment method.  Very easy to use, and works well during the checkout process.  Payments are just as easy, they can be set to automatic or you can pay manually. When you go to make a payment they will show you the interest you could save by paying it off.  All in all not a predatory aggressive lender, but a company that actually seems to care about the process and isn’t too greedy. Also plenty of 0% offers so really good options for “emergency” or large purchases",5,3 months later,
TootisinSTL,FALSE,4/6/2019 12:37,"This app for ME makes buying things easy and over time very simple. Whether it’s a high end purchase or a must have , can’t live with out item. I have more of those moments. 😊 . I like the fact that you have different payment options. Like 12 months or 6 months etc. like with any Financial institution pay on time to avoid late fees. I always paid my loan off early so I could save a couple of bucks. But, over all , I really like. Just a FYI, they will show up on your credit report . To report your payment history. I’m not share if they do all there customs like that.",4,Buying simple,
BornLiveDie,FALSE,6/18/2018 21:19,"I came across Affirm when I unexpectedly needed to buy new tires for my pickup truck. I was ready to bite the “bullet” and pay cash upfront, but when I was checking out online, a window popped up asking if I would like to finance the purchase. Let’s see... do I want to use up my savings or finance the amount. I was like, “Duh? Yeah!” So I went through the most easiest application ever and was surprised, that I was approved!
This was the BEST thing I’ve done in a while. So give it a try! You will not be disappointed! I now have a second loan with them!! AFFIRM BABY!!",5,Easiest loan process ever!!!,
KawiBrock,FALSE,1/14/2020 21:55,"Affirm gets 5stars. 
I love affirm but the app? Not so much. I’ve been using Affirm for a year now and I buy so many things through Affirm. Today the app asked me to “click here”. See if you prequalify! I clicked it and after a few minutes of nothingness. The app informs me that they can’t show,answer,display or approve me whatsoever because they weren’t able to identify me!? Also states right below that: “Affirms choice is final”! You can’t try again unless you wait a full 30 days. Than you can resubmit the pre qualification. 
5+ stars Affirm/-1vstar APP.",5,Ehhhhh,
rayabrown007,FALSE,11/19/2018 15:48,"I love the fact you need to get a text message with a pin # before you can even start using the app. I feel this is safe and it 
Makes it harder for someone to access your account. I had my 
Credit card hacked 3 times and it has the security chip. I think if someone had to get a text by entering their phone number the would of thought twice before using my card because they would have to give their personal information first. Then that makes it easier to track them.",5,Safe,
Sooprtrukr,FALSE,11/10/2018 16:56,I got into affirm through an online purchase with no apr and so far I think they are the future in small lending. The app always shows your minimum payments and dates and if you pay a little extra every month you will see the last payment how down and eventually disappear. And of course you have the option to pay early and often and the app always gives notifications of upcoming payment. Also cheaper interest than using credit cards.,5,Good future in small lending!,
Eric Vøn,FALSE,10/22/2018 2:40,"I just love affirm because I am able to make big purchases but also pay the total over time. If there is one thing I can say that should happen then, the virtual card should be able to be used on any mobile device’s mobile pay system like Apple Pay. I think this will help people be able to used their balance in stores like Apple, where you can not use a card number to make a purchase. I think that would be neat if they were to apply that idea to their loan program.",5,Affirm is Anazing,
Xxxash1,FALSE,10/22/2020 14:56,"I don't usually leave reviews unless, I'm dissatisfied!  I've used affirm twice for bigger purchases. I'm impressed! They have added great store options, offer affordable and flexible payments, on terms I choose. Early pay off and decent interest rates. Both times,  I had smooth interactions, no hidden costs or fees with easy access to my account. I will use them again and highly recommend Affirm! Thank you for the options, for people with less than perfect credit who do pay bills on time!",5,Love the idea!,
Djgrolyos,FALSE,11/20/2018 19:18,"Super easy.  No prepayment penalties to pay off early.  If you have decent credit you will get 0% APR for most stores, or 10% for others.  Bad credit I’m not sure of but I have read you will get 30%.  I’ve used them 4 times now.  Pay it off early and you only pay for the interest you have used.  You can also pay your monthly payments in advance, I.e. if you pay 4 payments your next die will be 4 months out.  All in all a great system and fair pricing.  Will be a repeat customer for sure.",5,Highly Recommend,
ErnDogg91,FALSE,3/14/2020 5:56,"I started using Affirm when I ordered some auto body tools online from Eastwood.  The first time I was skeptical about it but after The first time I used it and had low monthly payments, I love it. The loans are straight forward. You know the exact cost you pay at the time of purchase. The payment options are amazing. I’ve used affirm for 6+ loans and plan to use it more in the future. Affirm is my go to place if I want to buy something online. The only downside to Affirm is they approve you based on your credit score but they do not add it your credit report.",4,Just amazing app,
LittleBird-60,FALSE,8/2/2020 14:11,"I first heard about Affirm when I financed buying our LULL mattress. Customer service is amazing! They’re cheerful and seem to be be genuinely happy to help you with anything. After purchasing my mattress with them I decided to finance my mattress pad cover and pillows as well. By the way the mattress, mattress cover plus the pillows are amazing! No more cheap pillows for me ever again! Thank you Affirm for making my payments more than affordable and your amazing customer service and all of your employees. This is one very happy and satisfied customer!",5,A pleasure to use👍🏻,
Griselda0612,FALSE,2/16/2021 5:10,"They report to your credit right after your first payment before your second payment is even due! DO NOT USE THEM! I would never recommend this app ever. I had no choice of using this one because the store I chose didn’t allow any other partial payment option so I gave it a shot. I made a huge mistake as I am trying to buy a home and my credit went down when I’m a loyal customer and ALWAYS pay my dues when it’s due. I repeat, DO NOT USE THIS APP UNLESS YOU DONT CARE ABOUT YOUR CREDIT. I chose to pay in 3 payments. I paid my first payment that was due on 1/28 and my next payment is not due until 2/28 and today is 2/15 and I get a notification that I have a new report on my credit. INCREDIBLE. Paying this off and deleting this app. #ImThatKarenToday",1,DO NOT USE THEM,
maico2675,FALSE,5/17/2020 12:19,"I’m just saying thank you for allowing me to enjoy my hobbies at AMain Hobbies.  Thank you for the confidence in me to pay my debt to your company.  It was not always like this as in 08 I was laid off my job at 150k and had a 815 rating, yrs later I’m the only one in my household working and paying everything.  It took me 3 yrs to be gainfully employed and medical issues and surgeries later I’m finall catching up.  So again thank you for helping me and I will way this small balance off early and have the auto payments. 
Your outstanding👍

Thank you
Mario Woods",5,Affirm,
Sandy 4 Brothers,FALSE,5/2/2020 1:19,I applied back in December of 2018 and I was denied because of my credit score being to low. My credit is shot but I’m working on it and at that time it was 520 which Affirm says they approve at 550 well my score is currently 577 but that’s not coming up at all because every time I apply the old application comes up when I click on “ read the official reason “ it should show the new reason but it brings the 2018 credit report up for me to view. And spoke to them several times.,5,"Terrible, Terrible App...",
iwhsbruue,FALSE,12/14/2018 2:48,"I’ve used Affirm several times with no problems. I needed some items for a project car that I’m building and didn’t have the cash at the time. One merchant that I was buying from offered Affirm as a payment option. So I applied and was approved. The interest is a little high, but you can save some on interest by paying the loan off early, and that’s what I did. 

I plan on using it again to purchase a high end vehicle scanner in the near future for my business. 

I definitely recommend Affirm!",5,Simple and convenient,
Usafa1c,FALSE,2/6/2020 9:01,"Not going to mark it down because I may just be that fluke instance. I used the website and it was PAINLESS. In out item on the way. Using the app? I have freezes and my score is locked or I can’t be verified. Some how the data wasn’t shared, it’s good to go now after some voodoo wizardry by customer service and other staff, it’s squared away. So uh the take away is make sure whatever is needed to make it through the application process is accessible and that the OS meets the requirements to support the app (wasn’t my issue )but I can’t really fault Affirm for any of it.",4,Great company the app however....,
NikkiPlum,FALSE,2/12/2020 13:34,"I have been using affirm for a long time then all of a sudden they kept denying me loans because they claim something on my credit report has a negative impact. There has been no major changes on my report and I always pay my bills on time with affirm. In fact, I even pay my balance off way in advance. This company is shady and once I finish paying off my debt with them, I’m done with then!!! There are so many other companies out there who would love to benefit from my interest payments!!",5,Affirm is deceiving,
Angelicaand,FALSE,1/5/2020 9:31,"I’ve been using Affirm for about a year and a half now, and I love how easy and flexible the payments are (3, 6, or 12 month payments). It allows me to purchase things and pay over time when I’m in a crunch, and I can pay more and lower the interest rate if I want. The amount and quality of stores you can buy from is great. Refunds through merchants are painless, and you get real time approval without hurting your credit which is amazing. I love Affirm and will continue to use them for a long time!",5,Absolutely Love Affirm,
tommyt214,FALSE,1/29/2019 16:02,"I was skeptical about using this new form of shopping, I took the leap and it was flawless, you are able to shop online with an issuer card, or shop in store, I add the card to my Apple wallet. I prefer this app now vs carrying many credit cards, fair interest rates, many payment options and promotions. 
I have used it for Lowe’s, Wayfair, Nike and many others. Managing is flawless, just enable autopay and you are done. You can make additional payments whenever you wish. My new preferred online shopping option.",5,Affirm is Outstanding,
Lcj2004,FALSE,7/2/2019 0:40,"I discovered Affirm accidentally, I was paying for flights on Priceline and saw a link to pay over time. I used it to pay for my family of 5 trip across the country. It was a very affordable fixed APR and I was allowed to choose my repayment terms. My only dislike is I was not able to repay via credit card, but they let me make the first payment with a credit card so I was surprised when I couldn’t make the remainder of the payments that way. Otherwise, I was qualified within seconds and will definitely do it again when cash is short.",4,Accidental Love,
grace4tw,FALSE,9/6/2018 23:54,"This program seemed great at first. The approval process was fast and easy and I received my products within days. One week before my payments were due (I had 3 separate loans), I used the app to pay each loan. The app applied one of my payments to the wrong account. Customer service then told me it would take 10 days for them to reverse it and the account that didn’t not get paid would receive a negative hit on my credit. If Affirm really wants to help people, it needs to do better than this.",5,Deceiving,
Sxdsij,FALSE,1/19/2018 20:46,"I first used Affirm to buy my husband and I a nice new mattress for Christmas. I’ve had credit problems and am almost done repaying old debt from my younger (and less knowledgeable) years- but my credit is poor. I was so surprised that Affirm approved me for a loan. It was so easy that I started to question the reliability, but it’s legit and I am so glad. I was able to chose between a few payment options and there was no penalty for paying my loan off early. Oh- and no late fees? Amazing! I will definitely be recommending Affirm and using them again!",5,I love Affirm!,
Drcruz19,FALSE,5/11/2018 12:06,"I’ve been using Affirm for a little over half a year now, and I’ve got to say that I love how easy and affordable they make it to do payments. The one thing that I have an issue with, and therefore why I only gave 4 stars, is that when I go to inquire about a new loan, it asks me to connect my bank info, even though I already have it connected. And when I do attempt to connect it again, a message pops up saying that i can see all of my connected accounts in the settings. If this little issue could be foxed, it would make the app even better!",4,"Great Company, Goodish App",
Capone1960,FALSE,1/7/2020 1:34,"This is by far the best! I have been using Affirm for quite some time and it has really helped me build my credit score too.
A great affordable way to acquire items you need or simply, items you have been dreaming of treating yourself or a special someone. 
Very kind and friendly CS if you ever have any problems what-so-ever.
Easy low monthly payments and their interest rates are very low. You select from their different monthly plans.
Trust me, Affirm is number one go to for my purchases.",5,You can’t go wrong with Affirm,
CuriousMe123,FALSE,6/7/2021 21:23,"I have an order that the vendor cancelled due to being unable to verify me and my payment method. No money has been deducted from my account yet, however, since the order was canceled and no items were sent why does it take so long to zero-out the unused loan? I tried finding a telephone number to call but was not able. The answers to my questions are not answered in the Affirm Help Center. I am grateful for the loan but the unused loan amount needs to be reflected in my approved loan amount with Affirm so that I can purchase the item under a new order number as supplied by the vendor.",3,Need a telephone customer service contact straightaway,
Blissspice,FALSE,9/26/2020 4:10,"Been using Affirm for 3 years now.  While I have no issues with the App and program, I just hope they can find a way to not pull a hard credit check each time you take out a loan.  For example, I paid off my first loan and decided to take out another one (with perfect payment history), Affirm will run another hard check on my credit once I confirm the new loan.  So I realized, might as well use my credit card and I don’t get the hard credit check every time I make a purchase.  I hope Affirm rethink their approach especially to those customers who have perfect payment history.",3,Great but...,
Juniormac1226,TRUE,5/26/2020 5:00,"I have used Affirm quite a few times, paid Afeach lAAA off !!!! I try to use the service again for a Christmas present for my son. And it says denied there is no consistency with this service one day it works and the next it doesn’t. When you contact them all they do is send you this “generic “ email about there must be a change in your FICO score, and how their decision is final!! I use a credit monitoring service, there is no negative change in mine. There is no one available with any useful information, is there an issue with the app?, an error in my profile? Nothing!!!! I was able to use it in the past , but for some reason not now. Do yourself a favor, use your credit card!! It’s not worth the headache",1,The Worst!  What a joke!!!,"{'id': 3274680, 'body': ""We're sorry to hear about your recent experience. We're happy to answer any questions you may have about Affirm or your account. Please feel free to contact us directly at help@affirm.com"", 'modified': '2018-04-26T20:30:58Z'}"
Ryan Mac 504,FALSE,7/31/2018 17:03,"I’m super hesitant when it comes to taking out loans for things. My mentality is typically, if I can’t afford it flat out, then I don’t need it. It also had a lot to with with the loan process and dealing with banks can be annoying. 

Affirm has adapted to the online-age and made applying for and paying loans super easy and simple. I can keep track of my balances, see the progress of loans and get a clear picture of when they will be satisfied. 

I love the new feature of the pre-approved loan amounts that allow you to create a virtual card for a ton of stores. Although I’ve yet to use it, it’s a nice little peace of mind knowing I have that option. Lots of stores have 0% interest if paid within a certain time frame so why not?! 

I got a brand new couch from joybird that I (and everyone else) loves at 0% interest!

Thanks a lot, love this app, will definitely be staying on my phone.",5,Pretty awesome,
VinnyLogz,FALSE,12/29/2019 2:10,"I’ve been waiting for an app like this for years and years! Sooooooooo many times I’ve wanted/needed things but just simply couldn’t afford to shell out all the cash at once. Affirm is so convenient. 
Only critique is the way they hand out the amount you can spend and the time you have to spend it in is very odd. They may be you $600 to use but only for 7days???? And then u gotta wait 30 days to get a new amount. 
Why not a smaller amount sooner?
Other then that, I love the app. I’ve been able to afford sneakers for the first time in years.",4,Been waiting for this!!,
nf7753588333,FALSE,5/19/2019 4:23,"I used this app in the past to slowly buy expensive car parts. (This was better than saving up for them THEN getting them!) 

I’ve never been unemployed before but we moved across the country and it took months to get a job for what I went to school for. This app was my last resort, and getting a loan saved us from missing any bills or paying them late. Having the option to pick how many months your payments are for is awesome. I’ve never had any issues with the app!",5,GREAT!!!,
honeyvinny,FALSE,4/19/2019 10:13,"So I came across this affirm app online I fallowed the application link checked it out so I went ahead and downloaded it little did I know it was a game changer not only is it very convenient but it’s easy to use , only thing I do t like is that you can’t use it once you already have a loan out like I drop the balance and I still can open another loan other then that I think it’s Awsome and I’ll will use as much as I can. I would also like to know if it report to credit?",5,I was skeptical at first but now!!!,
Swanickk,FALSE,4/4/2019 19:25,Ive had 7 loans with 2 open and suddenly its telling me it cant verify my identity and too try again in a MONTH??!.. Has no problem taking my money though. I was a fan of affirm but this is ridiculous. I wrote an email to them and they told me i wouldnt have the issue happen again but they cant override the app or site so i have too wait 30 days until i can know if they actually fixed anything apparently. What a joke,5,Ive had 7 loans with 2 open all of a sudden its telling me it cant verify my identity,
LinaJai,FALSE,2/22/2018 18:52,"I am obsessed with Affirm. I bought my boyfriend an expensive gift for our anniversary and was able to make payments to pay it off and now we booked a trip out the country through Travelocity. I love love love it. It’s so easy and the payments automatically come out of my account, which is a super plus because I hate waiting days for payments to come out of my bank account. I have also had multiple loans out through them at the same time and was still approved for additional ones. The best app ever",5,THE BEST APP EVER,
boomiegirl,FALSE,1/10/2021 6:58,"This is such an easy way to shop.  I was able to make purchases on my own terms.  I wanted to finish payments quickly yet comfortably.  I was able to choose the amount of my monthly payment based on the length of payoff.  

The app is great because I am able to track the amount due and the due date.  I set up automatic payments. So convenient since I can see the balance and make extra payments if I choose.

I highly recommend this if you have the need.",5,So Convenient,
Superhero hype,FALSE,1/12/2020 18:59,"Affirm was there when I really needed the help. Christmas was here and I was in an unexpected position that was making it difficult to have Santa arrive for the children this year, I took a chance with Affirm and they made it possible for me to save the holidays when no one else would. It was a very easy process and I will be forever thankful. They make it simple to keep your payments made on time each month as well. I highly recommend using Affirm to anyone given the opportunity.",5,Thank you,
LueyVNewton,FALSE,3/22/2021 13:46,I was looking to do layaway purchases of big ticket items and didn’t want to shell out all of the money at once especially during a pandemic.. Klarna denied me and the other company I forgot it’s name.. they both denied me. Affirm started me with $500 out of the gate. I quickly paid them back and now my limit is almost a $1000. I will nvr do bad by them because they did right by me when I needed it and their interest is very affordable and reasonable. I recommend them to everyone,5,5 stars all the way,
Luvmymini🐺,FALSE,4/27/2020 1:52,"Affirm surprised me. My credit was good Something I wanted for long time says affirm at the bottom. I admit, I didnt know i went for it 2 days later my item i wanted for a long time. Came. Email me for payment dates even though I write down in “notes” all my due dates. I have no complaints. Their great apps easy. U do need a checking account to set up paying. Only wish is u could pay if wanted with another card. Maybe u can if u call. I will use them again for my next thing i want.",5,Gratefulf,
d******t,TRUE,8/20/2019 4:16,Affirm is very fair and have great customer service. I have never had a problem with them and anytime I have needed them they have always been there for me. This is the one company that I will always take care of as they have always taken care of me. In fact they so care about the small person that I make sure I set up auto payment on every loan to make sure no matter what they will have their payment. If you give them a try you will not be disappointed!!,5,Great and Fair Company,"{'id': 2683776, 'body': ""We are sorry to hear about your recent experience. We are happy to look into your account for you. Please contact us directly at help@affirm.com and we'll provide any more information that we can."", 'modified': '2018-02-26T19:35:30Z'}"
"Random, rAleX",FALSE,5/29/2019 6:50,"This app was perfect for me! After graduating university I was relocated to LA for work. Between moving expenses and settling into the new place, I didn’t wanna spend a ton of money and leave myself broke, but I also needed a bed. This app helped me buy the bed I wanted and pay it at my own pace! Once I got my money situated I just paid the rest and went on about it. I would definitely use this app again if the situation arises, or if I just wanna continue to build up the credit. I highly recommend!",5,Absolutely loved it!,
K_Gadget,FALSE,6/14/2020 12:19,"I’ve been looking at the review section here for the last few weeks because I, like so many others, have suddenly been routinely rejected for every loan I’ve applied for regardless of my great credit and my consistently paying off bills on time/ early. I come back today and there are a ridiculous amount of short, quick, obviously fake reviews made on Thursday of last week. So many phone calls to affirm just asking for clarification to see if they’re having any changes of policy/ approval frequency since covid-19 and have mostly not been met with any help, save for one representative who explained to me that they saw my being denied as wrong considering the variables. Extremely disappointed.",1,A Lot of Fake Reviews,
buullllowneeeeee,FALSE,5/9/2020 19:01,"I decided to use affirm credit and signed up for a small purchase and payed it off within a week. No problems there. I am working my credit score up and even noticed an improvement in it after this first purchase through Affirm. The next month or two I was invited by Affirm to spend up to $450 on an online purchase. I decided to take up the offer and keep building my home business and credit so I bid on an item. After bidding I was denied the Affirm option for purchase at checkout, by Affirm, not by the online store app. I had to juggle to pay anyways on the spot having already bid and then to top it all off the event knocked my credit score back down 10 points. Not pleased with Affirm",1,Not very impressed,
luvs64roses,FALSE,5/21/2019 0:58,"When I moved from California to Florida with a car, a cat, a dog, and a half dozen boxes Affirm gave me a chance at re establishing myself again. I came back with NOTHING but clothes and towels and one set of sheets. They allowed me to get a comfortable, fairly inexpensive tempur type mattress and bed! 6 months in and I just made my last payment!!! WooHoo! I would definitely use them again, and plan to soon to get a bed for my spare room. So when I do have guests they don’t have to sleep on recliner couch or a blow up bed...
THANKS AFFIRM!",5,Affirm gave me a chance,
MonstrCoco,FALSE,11/26/2018 0:17,"This app is easy to use.  You can access details on each of your Affirm loans and the payment schedules and total cost of each loan is laid out so that it is crystal clear, easy to understand.  The format and app design are clean and pleasing to the eye, too.  

The first page has your “pre-approved” loan amount in big bold numbers followed by how many days until it expires (Typically 1 week).  This amount automatically renews itself every week which I’m guessing is to encourage you to spend more money than necessary so I just ignore it.",4,Makes Affirm even easier to use,
peleuser,FALSE,5/31/2018 14:27,"This is probably the strangest and most misleading financial app I’ve ever used . I use the app on an iPhone , and despite numerous attempts to input information the app closes unexpectedly. If you are looking for an intuitive app that makes sense and follows a normal sequence of expected financial questions , this is not your app! I’ve contacted customer service several times via email and phone call, which was slightly more helpful than issuing the app. It’s frustrating to not be able to have someone override the app and input info manually when the app is acting up and is “buggy”. I’m considering dealing directly with the company I purchased my item through , just so I won’t have the aggravation of dealing with this app.",1,Misleading and confusing app,"{'id': 3688812, 'body': 'We always like to hear from our users about how we can improve our app. Please reach out to us directly at help@affirm.com.', 'modified': '2018-06-01T20:49:11Z'}"
Blues Heavy,FALSE,4/18/2020 20:26,"Stay completely away from this company. First, they do not have protection services like your credit card so if the seller commits fraud and will not take back said Item and there is a dispute you are in the hook. Second,  they have poor customer service you can not build a credit history with this company or with the credit scoring agencies. Since your loan with them is never reported you are not improving your credit score. Even if you pay your loans with them on time or ahead of schedule that will have no impact on their future credit decisions. After this crisis they might not be in business anyway but if they do make it through there is never a reason to use them.",1,Affirm is a disaster,
youtube sold out!!!,FALSE,2/3/2020 20:48,I have made several purchases with Affirm and Paid them off.  I have a current account open and when I try to make a purchase with Affirm. It will go through. Even though Affirm already has my banking information and uses for my current payments. When i try to make a purchase it says to attatch my banking information but my bank isnt on there list??  After this purchase I think im going to use paypal credit card ir the ebay master card.,5,Inconsistent results,
77StarChild,FALSE,9/1/2019 20:17,"This use to my go to app for online purchases until a recent issue with a StockX purchase. Just as I was finishing up my transaction, I get a notice from StockX that the bid apparently changed and they were cancelling my order. I thought no biggie and moved right along. However, over a week later and Affirm still shows this attempted purchase. Worse, they won’t do anything about it. They keep telling me I have to reach out to the other party. I do and forward the email and they STILL don’t do anything. To add insult to injury, they even have the audacity to say I’ll still be responsible for the payment until the merchant corrects it!!! Excuse me??? I really can’t image using them again, smh.",1,I use to really like them then...,
"""M"" Professor",FALSE,9/22/2017 1:44,"This service is possibly the next step in buying. A simple, easy, credit building way to purchase in the era of wanting or needing something just a little bit out of financial grasp.
There is no revolving credit like a credit card, which could be a good thing.  Once each loan is paid, that's it. No more hassles.

For those needing a truly simple alternative to a nasty never ending credit card, Affirm is the best alternative you could ask for.
Easy to understand finance charges that are reasonable (mostly) and a simple and well laid out payment plan.  You give them your payment info....  and that's it.  3, 6, 9, 12 months late, it's paid.  No minimum payments that drag out a balance for 6-12 years.
Try it, there only 2 options. You either love it, or you leave it (of course after you paid it off).",5,"Easy, simple, and best of all.....",
Cronicly,FALSE,2/5/2021 18:16,"I’ve used Affirm for a few different things. A sink that looked and is very nice came with a chopping block and rack to rinse veggies. Also got the mini 2 drone and now got a gamer PC. Even kitchen sink thrown in,lol,Payment options I find to be very fair and flexible,In  other words they work with us. Highly Recommend them above all others as I’ve done my research and will be using them again. Only thing I would say is I wish their increase would be higher but overall Good job Affirm",5,Affirm Is Awesome,
Ssbbeerrbb,FALSE,3/3/2021 18:38,"I highly recommend staying far away from Affirm. When making a payment recently, it processed immediately in my bank account (the money was taken instantly, and was never in a pending state). Affirm’s system somehow showed that my payment was declined, yet they absolutely have received the payment. After countless phone calls and emails, and after sending them multiple confirmations from my bank that they have taken the funds, Affirm STILL pretends that they don’t have the payment. I finally opened a dispute against them with my bank, and won in my favor the next day. Never again will I use Affirm after this horrible experience.",1,Sketchy payment system and shady customer service!,
calaniz88,FALSE,1/4/2021 19:38,"Affirm has absolutely been the best way to purchase big items! The payments are affordable, and being able to pay the loan off early is such a great feature too! It’s not complicated at all to use it, and I’ve used it multiple times in-store right at check-out. It takes just a few minutes, and you’re done! I’ll continue to use Affirm wherever it’s offered when I need to make big purchases 😄",5,The best way to purchase big items!,
linsey bae,FALSE,5/19/2019 7:00,After finding out affirm had an app it made my loan financing so much easier! I can track all my loans and pay ahead if I need too! Also they pre qualify you weekly for new loan options for tons of different websites and stores! You can even book a travel and pay in monthly installments. I also like the fact the interest in not that bad at all! I have completely several loans through affirm and will continued to do so in the future!,5,Glad I found out they had an app,
wwatts924,FALSE,5/31/2019 22:04,"I have been a loyal customer with Affirm, for  4 yours now. I have always paid my account(s), in time or off early. Even at one point had two loans totally around $1600, yes, that is right. All paid in full. 

For whatever reason getting credit with these people is aweful. They have declined me on numerous items. The sad part is, I am an established customer, with an exceptional pay history, and with a better credit score now, than when I applied 4 years ago. It just amazes me with this history, that I am looked at in that manner. Well, you know what? I don’t need creditors who don’t value a good customer. So here’s to my last loan pay off and YES, an early pay off once again. 

To customers that are like me. I hope you take a stance and never want to purchase anything from this creditor. Let them choose the high risers with good credit scores but aren’t always good payers! 

There has to be another creditor out there that appreciates having a good customer!! 

I hope you get screwed by so many!! Cheers!!",1,This Creditor does NOT value a good customer. Think before you use them!!,
angieinar,FALSE,2/9/2019 11:58,"This is my 2nd time to use Affirm. I appreciate the security and ease of the app. I’ve used it to buy luxury goods and just found I can use it to purchase poolside furniture, and I’m thrilled. They make it easy to prepay my loans, or I can just allow it to auto pay and forget about it until I receive a ‘heads up’ that my payment is due. I’ve used both methods. If I have a little extra, I make an extra payment, if not, I allow the auto pay feature to handle it. Thanks Affirm",5,Very pleased w Affirm,
blahblah humbug,FALSE,5/9/2021 1:32,I bought furniture from Ashleys Furniture.  So last week I got a bill from Ashleys Furniture and paid $65 on the 6th of May. I also got a text from Aafirm saying I had to pay them for getting a loan at Ashley’s that’s due on the same day. So I paid the bill I got via mail and today I checked my text and it says I’m late. So I have to pay twice??? I paid Ashleys and today I’m paying Affirm for the same loan. Upset that I can’t do anything till Monday to get it sorted out.,5,Confused,
nilfie,FALSE,4/19/2021 18:57,"I love the line of credit extended to me by Affirm. However to book a hotel and not get a confirmation text from Priceline to assure the information is correct is a big disappointment and this isn’t the first time that Priceline has disappointed me so I won’t use them again.
Play with my money once shame on you play with my money twice shame on me but, trust and believe there won’t be a third time around cause would be potential suicidal.

High regards to Affirm, kudos.",5,Priceline mixup,
JulianJuli,FALSE,2/7/2021 18:01,"Thanks to Affirm, I was able to get the new mattress I’ve been desperately needing for a while now. The ability to choose the options of 3, 6, or 12-month terms is very useful. I can pick how fast I can pay off my purchase with an estimated monthly payment and all. 
Will definitely continue using Affirm for all those extra purchases that randomly pop up in life. 
It’s like a credit card without the hassle, and I think that’s the best thing ever.",5,A big help!,
butterflykisses1427,FALSE,3/11/2021 17:51,"I had a virtual card with a promotional 0% interest with Bowflex. I bought the item but it had a 4month lead time. Not shipping til April 6. Everything was until I found out today because the company only pre authorized and not charged, they cancelled the card last week. 1 month before it was set to ship. Affirm told me to reapply, but unfortunately for me the 0% promo they were offering for the holidays is gone and they want me to paid 27% for something I bought at 0%!

I had to cancel my order with Bowflex. If Biwfkex leadtimes are 4 months and affirm’s Virtual card cut off is 3 months, they shouldn’t be partners as they are not aligned with one another. Horrible experience. Use Afterpay, much better company.",1,This company is a joke,
D.Homer,FALSE,1/22/2021 18:41,I love the fact that this is such a Flexible process.  Example- Select and buy your item instantly the order is shipped as you then set up a payment plan ( with a couple of different options) that you agreed to and works for you. Finally your payment plan is set and you make your first payment two weeks to month out from the date you ordered.  No credit checks or extra fees.  No hassle option.  Great option!,5,Perfect Flexibility,
d_l_g_1982,FALSE,2/15/2020 13:15,"I always use this app when I need money a flew clicks of the button and instantly I have over $3,000 to use where ever I want they even make a virtual credit card to use online. When I get bored or someone makes me mad and I want to disappear I jump on orbits boot a vacation get a card with affirm and I’m gone.  Make payments on it till it’s paid off. You can never go wrong I had 3 loans at one time and they never denied me when I needed money. I will never do a bank loan again ever.",5,Omg Love it!!!,
Samblack88,FALSE,11/22/2019 14:34,"Even though there is a pretty high interest rate for any money that you request, it far outweighs other loan options. No hard credit check, interest transparency, payments come out of you checking account in seconds rather than waiting three business days, instant digital card use. I just funded my ticket to Thailand with Affirm, and the payments are broken down into small monthly payments. All in all I love the user experience and simplicity!",5,Affirm is so easy!,
Strait Jacket 1441,FALSE,2/16/2019 1:46,Helped me get a computer for my Daughters VR. (Promised her an HTC Vive and had no idea how much the gaming computers cost) I don’t have the best credit and still got approved. Kept ahead of my payments and got pre qualified for more if I need it. Very excited to pay off the initial loan and see what else it can help me with to better my situation. Love how it breaks down the loan payments. Paying extra and early instantly shows you how much is left on the loan and how much less interest you have to pay.,5,Affirm helped me a lot!,
Steven Server US,FALSE,11/4/2019 20:46,"My checking account have a disputed some hacked international transactions. My bank tell my stop to do anything like deposit/withdraw or payment for they at least 2 weeks investigation. I called Affirm to inform about that before the due day come up, they suggested me open new checking with another bank to pay for them. My opinion just wanted to delay 1 month then pay off. Because I just used only one bank, one checking account for whole life. That's why I want to delay then promised to pay off. They still keep them suggestions, have no understand for me. Then they reported to credit unions I have one LATE PAYMENT 30 days. Good job Affirm. Never come back again.",1,My checking account have a trouble,
C Hofbeezy,FALSE,9/29/2018 7:03,I am an unsponsored athlete and have to pay a lot of money to keep up with my training and gear. I make a good living at my full time job and affirm really helps me by allowing me to pay over time rather than letting credit card companies take 15% cut of my salary just due to cash flow. I always am timely and it really takes my stress away. So grateful for this sensible alternative that allows me to engage in an activity that I CAN afford without the anxiety of credit card companies. Thanks!!,5,Helps me a lot,
madyhatch,FALSE,8/17/2018 13:55,"I LOVE affirm. The first time my husband and I used it, we were dying for a vacation, but didn’t have the means to support that upfront. The loan we got from Affirm was broken down into easy payments PLUS there were absolutely no hidden fees. All of the interest is shown to you upfront, and included in the payments themselves ... In other words, NO ACCUMULATING INTEREST! It’s hard to take trips now days with the cost of everything, and Affirm has helped us with 2 anniversary trips so far. Thanks Affirm!",5,Helping us to do fun things!!,
Mastermindharv,FALSE,11/30/2019 21:32,I have borrowed money to purchase about 5 items with Affirm. I use it on occasion when I really want and or need something and honestly don’t feel like paying for it all up front. The credit lines to get posted to one of my credit reports so it does help with increasing my over all credit history and profile! Since I have a good history with them the total amount I get approved for has dramatically increased since I started using Affirm a year ago!,5,Amazing app,
Yanelque,FALSE,11/21/2019 13:38,"Wow I’m writing this review just to say thank you .. thanks to this app which I did not knew about till a month ago I was able to give my family some furniture needed in the house that they could not get , I couldn’t do it either but didn’t want to show them I can’t I searched and searched an app with a furniture store and there found it I was so happy as well as my mom which is the most important thing for a daughter. Thank you affirm glad I found you",5,Happy family,
456chloe,FALSE,3/9/2019 14:02,"Affirm is a secure, very effective and fast way to get the money you need to fulfill your dreams. The process is easy and fast, fair interests based on your credit score and flexible payment schedule. I have used it several times and my experience has been excellent! It has become in my first option for buying things I need immediately when I don’t want to spend all the money at once. I would recommend this app to everyone, you may thank me later.",5,Best app ever!,
jbuck1969,FALSE,10/10/2019 15:39,"Affirm needs to respond to their customers and handle refunds promptly. I had a merchant refund amount close to $200, I sent the refund invoice and pdf in twice to Affirm and after 60:days I am still paying on the loan. I emailed their support team regarding this issue and get a generic response. No one is helping me and I cannot find a number to call and speak with someone.
The other issue, is when I went to use their service, the app told me it couldn’t recognize me though I can see my name and account info under my account name.",4,Affirm,
TooTooCool,FALSE,12/4/2018 15:07,"Ive been using Affirm For 2 years now. I usually use it when I see a good deal. This allows me to purchase the item right away. W/o credit checks.. Yes the interest can be pretty high. However, I usually pay for the item the very next month or two. 

Affirm allows you to pay off purchase sooner and save on interest. Affirm has also partnered up with my favorite brands ( Samsung, Cole Hann) as well. Highly recommend it.

Only bad thing.. Payments take FOREVER TO PROCESS!!!",5,Better Than Credit Cards,
Britt George,FALSE,1/7/2020 19:49,I’ve been using this app going on a year now and it’s been super helpful to get groceries or pay installments on things we immediately needed but didn’t have the funds available. I love how you don’t have to make an initial payment and can break payments down into what you can afford and I’ve been able to pay off all purchases no problem. Affirm has also reported all paid purchases to my credit bureaus and it’s helped my score!,5,Amazing!,
Exp handler,FALSE,2/11/2020 17:23,"Some how affirm approves the transaction but when it went back to the site it was not approved but they charged my card the payment. If you don’t get approved, or you have a return don’t expect to get you money back right away. It’s been a month since a transaction accord and I did receive my payment back and I still have not received a refund on a refund either.  In there notes pay attention it takes the 45 days to return your money.  The don’t have this figured out yet it should not take this long to do a reconciliation.  After I pay my one item I won’t use this service again.",2,Good idea bad Banking process,
Britecloud,FALSE,2/10/2019 13:54,"My credit score is less than stellar. Way less!  I’ve been able to use Affirm to buy things I needed but just couldn’t save up for. Also used it for two plane tickets and hotel accommodations. What I like, for me, is that every month I pay down that particular loan. Unlike a credit card, I don’t  continue to add to that balance. And the interest is very reasonable. I paid off all of my loans at once when I got my tax refund and saved $140 in interest. 👍👍👍👍",5,Love this!,
c-berrywtf,FALSE,11/27/2019 8:13,"I applied on the account and was approved but then I discovered  there was another store on the app that participated in the program that I wanted instead. I cancelled the request within an hour of my application. I was informed I would have to wait 4 hours for it to be reset. I checked back and now the app is telling me I have to wait a month before I reapply. I shouldn’t have to wait to apply again if I never used the first one. In addition when i tried to look for a number, there wasn’t one listed anywhere for me to call. I had to send a request through text. Not sure how long that will take.",2,Disgruntled about new account,
Jhoff302,FALSE,7/2/2018 0:12,"Bought something online and took the monthly payment with affirm. First time trying out, never knew anything about affirm. The loan was for a year, had monthly payment automatically deducted. But I would received a text message a couple days in advance giving me a heads up about the deduction. Work great!! And will use again in the future. Also you can prequalify for a loan so you can have the money in advance. Thank you again affirm!!",5,"5+ stars, Great place to borrow from!!",
Daniraeg,FALSE,6/15/2018 5:54,"Affirm started me out with a low credit limit when I wanted to purchase a mattress and I had to put a small amount down. Since then I’ve made about 20+ big purchases with affirm, one at a time and I’ve paid them off easily. It’s so east to use. They are very upfront about interest rates and there is no penalty for early payoff. As with any credit line, use it responsibly, but this is by far the most sensible way to make a big purchase using credit.",5,Recommend to Anyone,
freddiefab5,FALSE,4/10/2020 22:02,I have bought a lot of things through affirm. They are great to do business with while getting the things you wouldn’t normally otherwise be able to buy. I did get into a bind with my job cutting my hours last year. But they were more than willing to work with me to get through it. And I am back on track. I would recommend them to everyone who want to purchase thing’s without the high credit card interest.,5,Awesome!!!!,
poor business can,FALSE,3/22/2021 12:46,I would never do any business with this company again. I tried to cancel my trip after one payment and they refunded to except the refund that the airlines offered them. The hotel was refunded but when the airlines refunded the amount for my tickets they refunded to take it back. I told them that I had lost my job and could not go on the trip and they told me it was up to the airlines the airlines sent me  a text stating that the refund was refused by This company and they called themselves helping me by extending my payments of $82 but refuse to cancel the payment that I was not able to pay. I understand the loss on the first payment but I will never do business with them again.,1,Unfair cancellation policy’s,
cjhmadatgffcu,FALSE,4/18/2020 10:43,"I have never seen a company require so many levels of info and verification than this app. Seems. More like they are more interested in gathering information to sell than providing credit. Myself, my sister, and 2 friends have all tried to get approval, and all of us were told they couldn't verify our identities. No option to verify ourselves another way. Or an attempt to get us verified so they can make us customers, just an “sorry, don’t
Know if that really you, bye”. Credit provider, or something more sinister? I would use caution.",2,"Have to provide unreasonable levels of personal info, to be told they can’t verify your identity",
adventuroushearts,FALSE,12/19/2019 21:20,"Affirm has been able to make my family’s travel dreams come true!! We have been able to use AFFIRM to finance flights, take cruise excursions and to book other types of travel  and the best part is that we are able to pay back our purchases over time. Paying over time is far more affordable for families than having to have all the money up front.  We love and trust AFFIRM. Thanks AFFIRM for improving my family’s quality of life.",5,"Affordable, dependable, flexible",
rabitlady99,FALSE,4/22/2019 5:14,"Easier than a traditional credit card!  You know up front what financing something cost you an Affirm shows you how many payments and amounts it will take to pay it off.  I can wrap my head around this and control my credit easier than I can with traditional cards.  Great customer service had a problem, emailed, quick response and solved my issue promptly.  Highly recommend!!!",5,Easier than a traditional credit card to manage!!      .,
best shopping experience.,FALSE,12/2/2018 0:10,I love affirm.  I have made Several purchases with affirm.  This loan company has made it quite easy to purchase the things you need with out stress and problems.  The interest is excellent and lower than most credit cards.  I have enjoyed the options that affirm has given me.  I have paid them all back and two payments away from finishing all eight that I had.  This is the most excellent option for all who want everything on one bill headache free.,5,I have,
Itouch lover ,FALSE,11/10/2018 23:56,For a very long time I have been wanting to invest in a solid gaming computer that would hold up for a few years without upgrades but could never save up $1000+ at once. Luckily NZXT allows you to buy custom pre-built computers with Affirm and I thought I’d give it a shot. There was little to no hassle signing up with Affirm. No credit checks or anything and I was able to get a gaming computer as I always wanted while making monthly payments on it!,5,Affirm is Amazing!,
mariacrocker15,FALSE,5/17/2018 2:55,"I first heard of Affirm when I was purchasing tickets to a local music festival and the option was available through Eventbrite. After that, I fell in love with making big purchases through Affirm with the easy 3,6,12 payment options. It’s helped me through holiday shopping as well. It was easy for me to start up and the app is easy to use. I think I would be helpful to know what stores I could use a loan card with through ApplePay to make in store purchases.",5,I love Affirm!,
saadlo,FALSE,5/5/2018 14:47,"I think I use affirm for EVERYTHING. Mainly big purchases. The best part is that I’m not worried about having a bill for more than 12 months like I do with my other credit cards. It’s allowed me to pay off what i need to while still being able to enjoy the little things in life. Best part is that i always pick 12 months but it lets me pay earlier! 

My credit score has gone up because of these loans. I’ve had about 20 to date 🤦🏻‍♀️ but so happy!",5,Shopaholic,
DemosChicka,FALSE,1/20/2020 20:04,"I had no intentions of applying for any sort of help Xmas shopping online, when I was checking out and noticed the affirm option, I wasn’t too sure how it worked so I had the time to look into it, clicked it, and in a second of just putting in my cell number I was approved and checked out. I can honestly say that was faster than me putting my own credit card info to check out alone ! Thanks affirm that was stellar!",5,Super efficient and easy,
"Faith,lord of the cats",FALSE,6/1/2019 22:09,"super simple layout, extremely easy to navigate. Making/managing payments are a breeze. Text updates are a plus, too.
 Update**
It’s been a few months and I still love love love affirm. I’ve had no problems whatsoever, borrowing and paying off are super easy, takes seconds, and no penalties for paying early. I honestly wish I would’ve known about affirm before I turned to credit cards. I also love the ability to use the virtual card with apple wallet.",5,LOVE,
RaceTX,FALSE,5/12/2019 1:32,Really wasn’t a big fan on financing anything OEM or aftermarket for a vehicle. But i found myself in a hard spot when i needed a specific part for vehicle FAST but didn’t have the funds for a couple weeks. Affirm made that possible for me to purchase the part i needed to fix my truck and get back on the road. Yes there is interest but it saved me money in the end by not missing work or having to rent a vehicle temporarily till my daily driver was fixed,5,Auto parts heaven,
Angelofdenver,FALSE,5/21/2019 17:23,I tried the Walmart store feature and I got approved but what I didn’t like is you couldn’t buy food. I was broke until payday and I didn’t have food. So I didn’t know you can use it on food.  Didn’t think I had to look since I have used the virtual card feature before. I was sooooo DISAPPOINTED 😕 if I am borrowing money from you and I have to pay it back. You shouldn’t be telling me what I can spend it on. Now I can see if it’s free Money and I don’t have to pay it back. That’s like be buying something with cash I am told I can’t use it on items,3,I love this app but I tried the Walmart store,
Mrs. Edison,FALSE,2/10/2021 15:38,"Ok guys so you know When a place says they have your back & got you covered..... ANNNNDDD fall thru on their promise man that’s the greatest feeing you can get right!!!! Having the convenience of paying over time is what got me hooked to affirm...! They approved me for $500 which I used for an AirBnB for a sexy honeymooners getaway! Guess what, I didn’t even break the bank trying to do it!!! Thank you Affirm, I recommend this to all my family & friends...! The flexible payback options are the best!",5,Got you covered,
T.INk,FALSE,12/12/2020 22:32,I’m so grateful for a firm I was able to do extra Christmas shopping and put it on payments which works out great for everyone it’s motivating and exhilarating to be able to bring joy to others by getting them what they want and not having to cut corners because you didn’t quite have enough paycheck to paycheck thank God for Afrim! They rock! Merry Christmas everyone.,5,Things to be grateful for in 2020-being able to get what you want and split it up on payments! ❤️,
Iceman711w,FALSE,5/16/2019 17:25,I generally don’t mind something being a little bit complicated. But the ease of access available with this app is great.  Everything is very smooth and seamless.  Easy enough for some of my family members to use without me having to walk them through step-by-step myself.  I love all the little features available to you.  10 months in and no bugs so far that I can tell.,5,"Works Great, Definitely Recommending To Family + Friends",
Trapment,FALSE,11/22/2019 14:49,I was feeling this service you put in your account information and automatically pay your purchases off monthly.  I feel like this if you never had a problem paying off any items with a  good history. You requested another loan for a lesser amount of all of your purchases and then they asked can they access your account which is a little suspicious.  It doesn’t matter how much you have in your account  it all comes down if you pay off your stuff.  You can have a million dollars in the bank but  if someone doesn’t want to pay you they won’t.  Turned me off switch to something different and no problems go luck with that one. #ghost,1,Klee,
tmb314,FALSE,5/31/2020 18:52,"I liked affirm, but there's a few glitches and issues that make payment difficult. I don't have those with after or quad pay.
One I'm paying off on affirm with autopay. Another loan for $17 is unpaid because I keep not receiving codes on my phone. So I'm getting threatening emails about impacting my credit because this hasn't been paid. It's stressful enough right now
I won't be using it again.",5,Send doesn't work for text call the time,
MiahB2uty,FALSE,8/9/2018 1:09,"After downloading the app it asked me to sign up FOR AN ACCOUNT!! Not knowing that I was applying for a loan. I inputted my information and it said it couldn’t verify my identity (which I understand it’s my mistake because I used my nickname) so I understand that I got declined but I thought I could fix it so I tried contacting their customer support to address the problem see if there is anything I can do. One of the worst customer service ever! Not only did they didn’t help me, they didn’t even try to help me! I kept asking basic questions and I just kept getting the same automated response! Don’t download this app because the moment your stuck they will definitely not help you in anyway shape or formed",1,WORST MISTAKE!!!!,
ok13207,FALSE,3/24/2020 17:10,Our tv of 11 years stopped working during this pandemic. I went to Walmart for supplies and thought I would see if they had a tv in our price range. I found a 49” LG (our old one was a 32” LG). This tv has all the features we need and more! And the best part: easy payments with Affirm! They approved me in seconds and I was able to pick it up at Walmart while I was shopping. We can be safe indoors and watch tv without added stress. Thanks again Affirm!,5,Trust the Process,
College25,FALSE,2/22/2020 1:11,"I came across Affirm while booking a flight. At that moment, I had just enough to pay for my ticket. I set myself up for zero money in my account after payment only to realize it was an option .
I was surprised and thought it was not legit . 
I applied and was approved . My flight was confirmed and thanks to Affirm I had flexible room to make payments. 
Till this day , my mom is still surprised I used a virtual card to book my flight back home.",5,Affirm is the Best!!!,
Willyk34447,FALSE,1/2/2020 15:56,"We have been using Affirm for just about a year for our travel needs. It’s always no hassle financing. This app is one that other companies should take note of. It is very lightweight, clean, and simplistic. It shows you what you need to know quickly and efficiently. All financial apps should be designed as such. Thank you, Affirm and my family and I look forward to using your services in the future. Keep ip the great work!",5,"An excellent company, an excellent app",
nac518,FALSE,9/20/2018 8:11,"I don’t have any complaint since using Affirm. If I had any questions/issues the customer service was great and responsive. Although the 5 star rating I would like to see a call line and speak to a customer care representative as it may be easier to communicate at times.

Payments are not outrageous and has helped me. Started out with a low prequalifying amounts but after a few purchases and on time full payments the loan amount had grew!",5,5 Star,
Susan_Rosaly,FALSE,6/15/2018 3:06,"Affirm has been a Godsend to me.  Five years ago i walked out of a a physically and verbally marriage of nearly 50 years with nothing but the clothes on my back.  My husband was able to take my 850
Credit score down to 620 and ruin my chances to buy a car or anything else but Affirm is giving me a chance to get a few things i truly need and i can make monthly payments.  Maybe i can bring up my score a little higher too!  Thank you Affirm and God bless you!",5,Review,
TR Lover,FALSE,9/11/2018 10:50,"Affirm is extremely inconvenient. If you use online bill pay, the payments your bank sends to Affirm on your behalf takes 3 weeks to clear. I don’t know if they do this on purpose to charge you the interest since May payments are sent before there due but honestly I’ve never seen a company clear a check almost a month later. Not only this, my first payments were both refunded because I forgot to put my loan ID even though I called them gave them my information and told them to please post my payment, they didn’t. Because of this I was forced to do a Debit cars payment which they refunded. It’s just a nightmare with this company and there payment setups!!!",1,Inconvenient,
201KCSD,FALSE,9/4/2020 1:32,"This is the 3rd time I’ve used this site for purchasing items I needed quickly and of great quality. I had multiple stores I could choose from and it took less than 5 minutes to achieve. It’s nice that I can enroll in a monthly automatic withdrawals, which makes it stress free not having to wonder if that payment has been met. I gave this site 5 stars, I appreciate having opportunities like this at my fingertips!",5,User friendly,
Nicki Hilton,FALSE,2/28/2021 17:54,"Affirm is a completely scam. When I ordered an item through them i put a down payment of $52 on the item. After days went by and my item was never been shipped so I canceled my order through the merchant and i never gotten a refund from affirm, so I then tried to cancel my loan on affirm and i still yet to have recipes my refund from them and they dont have a number to any customer service i can physically call and talk to which i also find suspicious. So In order to get my money back THAT I WORK HARD FOR I had to call my bank and and file a dispute. Waisted alot of time and energy with this company and I feel that people are better off using afterpay.",1,Very unhappy with affirm!,
Welcome 2 Hope,FALSE,11/14/2020 3:29,"For the last four years I had lots of loans through a firm. I let two loans go to collection and ever since I have not been able to get virtual loans. This happened almost 2 years ago. And I paid them off six months after they went to collections. My credit is very good I have no dog dairy marks my credit is beautiful and they won’t let me update the amount of money I make a year. I make almost $45,000 a year before taxesI don’t own a house or rent an apartment because I am a truck driver and I live full-time in a semi! And they still require me to put down $500. Because anything less would seem like a scam. Screw affirm I’m so sick and tired of stupid BS",1,Don’t let a loan go to collections,
Statechamp1,FALSE,10/22/2019 4:54,Love Affirm because it’s a quick an easy way to shop and buy without having to come up with the cash right away or put on a credit card.  At first I chose the shortest time to pay but now extend it out because it can always be paid off ahead of time if you want.  I love the fact you can shop anywhere and aren’t limited to suggested vendors.  I really enjoy using Affirm and would definitely recommend.,5,Great Convenience,
Nanni413,FALSE,4/25/2019 10:33,There are so many stores you can make purchases from including flights/trips. It is easy to make payments and no added fees. You can stay on a budget and pay off sooner if needed. The only thing I’d request for improvement is for payments to process or clear faster. Sometimes the app takes a while to clear the info before you can make an additional payment but overall it is amazing.,5,Wonderful,
affirm customer,FALSE,4/2/2019 12:48,"Love being able to buy dji drones with this service , and also 0 percent interest on select stores , my only wish is that they extend the finance for 3 years on certain items that cost allot but other then that being able to pay of items in almost any store over a one year period is still good bargain with 0 interest in certain store , this definitely helped me out allot",5,Love being able to buy dji drones with this service.,
Ari Miami Beach,FALSE,3/30/2019 15:01,"Great and easy to use and with many great options to choose from. I’ve used the service twice now and I’m addicted! Love the easy to use payment options and the flexibility of getting things I otherwise wouldn’t be able to because it’s always so hard to “save”. With convenient options to choose from as far as payments go, the things I’ve been wanting are no longer out of reach for my budget!",5,Love this app!,
hate affirm,FALSE,4/16/2020 0:34,I was aproved for 2500 then decided to go with another product the amount dropped when I went to make the purchase I was denied they can not give me a good reason why all they want is me to email them my income and other personal information. Can these scammers please tell me what changed in 4 days that my purchase was denied other than the purchase price dropped by a couple 100 dollars ? Scammers thieves rip off be careful of this company.,5,Watch out !!!,
hopenfaith123456,FALSE,12/17/2020 18:45,"I applied for a purchase for my kids for Christmas. Thought this oils be my saving grace. I couldn’t have been more wrong! They denied my purchase, then stole the money from my bank account anyways!! They’ve made it impossible to get someone to talk to! And I can’t even get into my account!! Whenever I try my screen is blank with only their logo! Thank you for making the holidays even harder for my family! Awesome thing to do to a single mother right before Christmas!! Right now I’m just angry and hope you guys feel the desperation I do right now someday! I’m thankful to have Jesus and know my feelings will be soothed, and a true Christmas can never be ruined by the selfish narcissists of the world!",1,THIEVES!!!!!,
Xmas Shopping GONE WRONG,FALSE,12/26/2019 13:00,"I ordered two different items and upon purchasing it stated I would receive a confirmation for the purchases. Never received the items and the first payment was taken from my bank account. A few days later the charge that was on my bank account disappeared and still no confirmation of the purchase. Very disappointed with this service, I will continue to use Klarna instead.",5,Two Orders,
qnrodbsptyvzmw,FALSE,8/15/2019 19:34,"Even when I pay all my accounts ahead of time every month faithfully it counts as nothing when I’m needing a new loan! They base it entirely off my credit score even as I’m faithfully paying my debt off on time with other accounts. 
I could understand if I was delinquent on my payments but I never am, even talking with customer service they apologize to me because they see my payments are on time and paid.",5,Horrible company extremely unfair!,
Cfowler9000,FALSE,8/7/2019 9:54,This app is a great way to build credit for those out there who can’t take a loan out . This app helps you buy things by taking a loan out for you and you can pay monthly on it which at the end of the day not only does it help you build your credit it teaches you responsibility by paying small payments here and there to eventually pay off the product that you ordered . This app is amazing ! Thankyou Affirm!,5,The best app to this date,
SpotOnDowe,FALSE,6/3/2019 0:38,"Affirm is the absolute best.  Thank you for having my family’s back when we needed it most—you helped us to acquire a sleeper-sofa from Joybird during a financial crisis and scary downsizing from a house into an efficiency—thanks to you, my daughter not only had a bed AND a study/reading sofa, she felt like she got to have her own, special, new space (and bed), because of you all and the Joybird team.  We will always cherish y’all.  Love and appreciation from HOUSTON.",5,"Best, easiest way to pay with no fees!",
Tfamily7850,FALSE,12/9/2018 17:19,"I am not the type to write a review for a company, yet I could not pass on writing something for Affirm. Great company and service! I am a photograph and videographer and love Canon and DJI brands. I recently purchased on separate occasions Canon products and before that DJI product 3 months apart with no issues. The pre-qualification process is easy and works! If you don’t have the money and looking for a good company to finance whatever it is with little money over time.  I recommend Affirm!",5,Reliable Company,
404AppleNotFound,FALSE,10/13/2018 10:40,"The concept behind Affirm is very well executed. I have used it to finance some medium-sized purchases such as furniture. The app’s platform is polished. The way in which it generates a temporary credit card for you to use online or in-person via Apple Pay goes above and beyond. Admittedly I have not tried any of Affirm’s competitors so I can’t speak to how they compare, but I have not felt the need to because all my experiences with Affirm have been incredible.",5,Polished platform for small loans,
jjjjjjhhggff,FALSE,4/12/2021 15:31,I love the farm I love their concept of being able to purchase things only when they give an accurate credit line for the items a lot of times they will not give a credit line or they’ll get a minimum of 500 where I’ve seen them give 5000 to other people that don’t deserve it I don’t know where they gather their information from otherwise I’m satisfied with the idea but they have much work to do!,5,I Love Affirm,
SiKOcK,FALSE,1/27/2021 16:19,"I don’t have great credit to begin with, but I was approved because I’ve never made any late payments to my credit cards and I am fascinated for Affirm giving me this opportunity - I started with a limit of $100 and I’ve made multiple purchases and paid it off & now I have a limit of $1,000 within a short amount of time. This is hands down one of the best credit loans etc I’ve ever had. Thank you so much Affirm",5,Hands down the best,
Update is bad,FALSE,4/8/2019 16:06,"I have used Affirm now for many different accounts. I love that they send text message reminders of your payment coming up. With all the hustle and bustle in life it can be difficult to remember . The also offer auto pay which has been extremely helpful as well. 
Customer service has been so wonderful in responding quickly when needed. 
No complaints what so ever from the support I’ve received from this company!",5,Perfect,
1kPlez,FALSE,12/27/2018 14:14,"Super easy to use, came in handy when I was in a bind. Discovered Affirm when I realized I needed $1200 worth of blinds. Went through a company called Select Blinds and was able to split the payments with 0% interest!!! Will definitely use again especially when retailers are offering very low or 0% interest. App is super easy to use, to see if you pre qualify was simple, and the virtual cards popped up immediately. Overall I’m very happy with my experience.",5,Great,
HelienaWalton,FALSE,4/21/2020 20:29,I love the  affirm account system  it allows a platform that is convenient and doesn’t charge the typical fees associated with credit. They offer a wide arrange of retailers to choose from and its easy to use the platform and chose your payback terms. You can do it in as little a three payments or up to twelve  with no hidden fees. I Love It! Didn’t find your favorite retailer? Affirm allows you to create a virtual card to confidently  shop wherever you would like.,5,I Love Affirm!,
Nicholas Becea,FALSE,10/8/2020 10:29,"Bank reported there was a problem with my account and froze my account.  No way to correct problem through Ap.  Tried calling, but support team insists problem can only be solved through e-mail and won’t put me through to a supervisor or their security team who froze my assets.  E-mailed bank several times, only to get e-mail response that I have to respond to their original e-mail or they can/will not help me.  Called and e-mailed them that I never received their original e-mail.  They do not respond to this e-mail, and on phone just tell me that I must e-mail them.  In the meantime my assets are frozen and the featureless Ap is useless.",1,"Uncooperative, and unresponsive bank",
RContreras84,FALSE,11/25/2018 23:00,Love Affirm and the app is great too! Use this for all my major purchases that come up when i dont feel like dishing all the cash up front! Intrest isnt bad and if paid off early then you dont pay all the Interest!  App makes it easy to make my payments and keep track of when things need to be paid! Thanks Affirm for being straight forward and not taking advantage of your customers like other lenders do way too often!,5,Love it!!,
Northerngirly,FALSE,11/17/2018 23:28,We didn’t have $1200 to go towards new furniture so we considered affirm. I now own a beautiful living room set that was delivered and set up perfectly! We also got to choose where we wanted to purchase it from! So easy to make payments and it’s only for a year! 💕 thank you affirm for helping our house look that much better and giving us the chance to have such amazing furniture for a great price! 😘,5,Don’t have the money outright go with affirm!,
Nam3tkn,FALSE,7/27/2018 16:02,I’ve been using affirm for a little over a year now and I absolutely love it! Has little to no impact on your credit score (at least from what I can tell). Very knowledgeable and friendly customer service. ZERO penalties for paying stuff off early!!!! I always just go for the 12 month option and pay it off early every time. That way if something comes up and you can’t make the higher payment you’re good.,5,Best loan app ever!,
Bonerificaj,FALSE,4/16/2021 11:37,I financed my peloton through affirm and it has been such a great experience. The app is super user friendly and has a great layout. Affirm itself has a lot of great features like being able to pay multiple payments a month for example.... i owe (X) amount of money Every month in April i can pay the payments for April-July and wont owe until August. It may seem small but a lot of loans don’t allow you to do this.,5,5 Star Absolute Game changer,
Xisx-1,FALSE,4/9/2021 21:23,This company and the way they operate is a true blessing. A breath of fresh air in a world that really needs some kindness. This company is by far one of the best and most understanding companies I have ever had the pleasure of doing business with! I fully recommend everyone to give them a shot and I even dare anyone to try and honestly come up with a bad review. Thank you guys and I fully look forward to doing further business with you in the future !,5,Awesome Sauce,
Catatonic Society,FALSE,2/26/2020 0:38,"Affirm has been an awesome way for me to get the products I want and increase my credit score at the same time, yes the interest rate is a little more. But I didn’t mind that, I purchased 2 high end drones the past 2 years using Affirm. Made every single payment on time, my credit score went from 680 to 803 in just 2 years! 

Now, because of my high score and good standing credit, we qualify for a home loan!

Thank Affirm!",5,Affirm Has Been Great For Me.,
AttuserNJ,FALSE,6/19/2020 14:28,"Extremely poor experience. This company in an Indian ran operation with extremely poor customer service. You will find that out quickly when you have a problem and you need to reach them for help. Lot’s of useless automation which doesn’t work, a common Indian specialty. Let’s make garage that doesn’t work and annoys the customer so they’ll give up. I have various complaints in progress against this Indian ran operation and their abuse of consumer laws. This is the US we have consumer laws here you must abide here India! Twink twice about using any of the services offered by this company. They also have ties and close relationships with PayPal and Ebay all Indian ran operations!",1,India ran operation beware!,
Pete Fabian,TRUE,2/1/2020 3:28,"I used this to purchase 2 items to try it out. They say no credit checks, and won’t impact your credit. but I wound up with to different accounts added to my credit report. These accounts ended up impacting my credit score as a new trade account added. Other than that I did not receive an inquiry for the accounts. Great concept but not 100% accurate in the description of service.",5,Very Cool - but kind of misleading,"{'id': 1436571, 'body': 'Hi Pete - when you first create an Affirm account, we do perform a ‘soft’ credit check to help verify your identity and determine your eligibility for financing. This ‘soft’ credit check does not affect your credit score, which is the explanation you saw when you were applying. If you do take out an Affirm loan, we report it to the credit bureaus because our goal is to give you the opportunity to build your credit history as you repay your Affirm loans. Because FICO and credit bureaus calculate your credit scores in ways that are not publicly known, we can’t predict exactly how your credit score will be affected. There are many factors that could impact your credit, such as your payment history, the amount of available credit that you have used, the length of your credit history, and the number of accounts you have recently opened.', 'modified': '2017-10-05T15:31:15Z'}"
cyou99,FALSE,10/10/2019 14:03,"What a awesome Idea for responsible people just to think I can take a trip or vacation and in an emergency if I need to get to to my loved ones who live out of town that stress is over because I know I can get a flight and pay for it after the fact without messing up my budget.

Also if I want to go anywhere I can go and to know I can also pay off my balance without any prepaid penalties I can’t ask for much more then that....",5,Wow,
Serious rx,FALSE,1/3/2020 11:48,"Easy app to make payments and not worry. 
Excepts debit so payment goes right through no waiting for days to post payment. Thanks to affirm I was able to get my kids what they wanted for Christmas! With easy payments that can be paid monthly is great my credit is going up and using affirm helps you to manage and build even when my credit is good it only gets better. Will always shop with affirm and recommend to family and friends. Happy New Year affirm !",4,Not complaining,
Bob B 55,FALSE,1/23/2019 22:50,"Affirm is a decent way to buy those things you’d like to have, but don’t want to bite into your budget for the full amount.  With Affirm, you pay for it thru them and make monthly payments... similar to a credit card, but with a lot LESS interest!!!   The more you use it and pay off your purchases, the lower the interest goes while the amount you can spend goes up!  The way each should be!!!",5,Great Service!!!,
Rscerj,FALSE,5/21/2018 22:04,Used affirm to get a computer paid it off in full and always get denied for another loan I would have like to buy something else and as far as I know they don’t report for credit I paid my loan back in full never late I was told my credit score was low but how did I get approved before freaking stupid I’m deleted app and make sure no one ever use this company or the app all bs if u ask me I was trying to build credit,5,Upset customer,
Jen from Whitestone,FALSE,1/16/2021 14:25,"I loved using Affirm to make larger purchases while trying to redecorate during a pandemic. I was hesitant to make big purchases all at once, especially during a pandemic. This made it so easy to get everything I needed and pay it off each month. It helped keep my credit card balances free and I really liked being able to see how much I prequalified for each store.",5,Perfect for making big purchases,
kalrenphe,FALSE,3/27/2021 0:55,We used affirm a couple years ago...paid our loan off early...(in half of the allotted time). So we decided to use them again for a different purchase. Denied. The app will say we have a bankruptcy. Which is not so. Yet when you call customer service they have no idea how to resolve the issue. It’s been at least a year so I thought I would try again.  It does not even check your current credit. Just gives you the same old message.  I do not have faith that they really know what they’re doing. I think we just lucked out the first time.,2,Company doesn’t know what they’re doing.,
AEdmonds94,FALSE,10/8/2020 13:50,"I was skeptical about using this service at first because I wasn’t really sure what to expect, but I finally gave it a try when the option came up as I was buying Jeep parts. I must say, it’s very convenient and easy to work with. I’ve bought over 7 things through this loan program, and haven’t had a problem. It’s a good way to raise your credit score too, just don’t forget your payments.",5,Affirm review,
Diamondwoman,FALSE,10/24/2019 20:59,"Love the site but the pre authorization for credit is a bit flawed. It’s forever changing and not consistent or accurate with my credit rating. I have paid everything off perfectly on this site and have good credit and it still never pre-approves me. I will continue to use for a bit and see what happens.  Otherwise, I enjoy it and look forward to  you adding more high end retailers.",5,Affirm rating,
Termain B.,FALSE,12/5/2019 15:52,what better way to be able to purchase virtually anything with Affirm and with on time payments your able to get what you want a build a solid credit history at the same time. so many options to pay the loan back ! i was skeptical at first when using affirm to purchase my Iphone XS max for service using Visible. Absolutely no regrets except i wish they reported my payments and updated my balance on time. that’s the only reason they get 4 stars instead of 5,4,Great App,
Tiawanna$,FALSE,5/28/2019 0:46,"Everything arrived as indicated when I finished the purchase! Extremely excited with the purchase except for my patio furniture!!!! As it arrived and we opened the boxes, the pillows were white.  Very disappointed when I ordered what the picture on the website showed chocolate chairs and navy blue cushions. Now how can the company explain or fix my purchase? I did not receive any information or inventory forms either purchase!!!! Someone goofed!",5,Mistake on your part!,
Lowelife76,FALSE,7/28/2018 1:24,Affirm is an awesome way to purchase something and then make payments I'm glad I was able to come across this app. I have been able to purchase a pair of diamond earrings and pay that off in as little as 6 months with no interest to taking a family vacation and paying that off with no interest. Great site and great app would def. Recommend this to anyone who is interested in making low payments with no interest.,5,Love,
KedvesLuxe,FALSE,8/21/2018 16:43,"Love affirm? Share affirm! 
No! I do in fact NOT love affirm. 
I did, it made things easy for awhile, until there was a glitch with billing (I chose to be billed automatically, but it was not processed on the day of, making it a late payment) and now I can’t use affirm again for any amount. if you do use it make sure you pay a week ahead of schedule, or processing may not make it on the due date. 
I’m sure even though affirm claims to not hurt me by checking my credit score over and over I’m sure that they have. I wish I would have read more about it before use after braving websites of negative feedback towards them.",1,Affirm is terrible with worse customer service,
stout921,FALSE,6/16/2018 15:25,It’s a great way to get merchandise and have some time to pay for it .. read some other reviews and it’s seems they report to only one credit bureau and it seems to show you high risk to other lenders haven’t looked into it that deep yet but if true will have to quit using them witch I hate because of the simplicity of the app and able to purchase anything that I want.. so please affirm change this if it’s true!!,5,Great way to get stuff !!,
Scot in SLC,FALSE,5/5/2019 22:49,"Honestly I’m still a little confused about what Affirm is, but it seems like a company that is finally figuring out how to “disrupt” the credit card, personal loan, and credit industry in general. So far I am extremely happy with them. They have been honest and upfront about what the terms of the loan is (or are). They are not cheap, but they are fair. They don’t look for ways to gouge borrowers. Getting the loan was fast, and simple! I’m very impressed so far.",5,Awesome loan product!,
CME_183,FALSE,3/31/2019 17:36,NEEDED a new Shark vacuum and WANTED the Shark robot vacuum. Using Affirm I was able to purchase BOTH without breaking the bank. By using their monthly payment plans you can choose to split the payments up into smaller 3-6 monthly payments and it’s INTEREST FREE!!! For example a $600 purchase would be $200 a month for 3 months or $100 a month for 6 months. It was super quick & easy to get approved and I had my purchase within 5 days!,5,Makes everything amazingly affordable🙌🏽❤️👏🏽💕,
Rectx,FALSE,3/30/2019 1:50,"What a great way to help out..whether it’s low on cash...last minute flight for a funeral... emergency expense.... anything. And the fact that you get a one time use digital card, that’s as good as any c edit card, you can use it to help out those you don’t trust with you debit card. Way to go guys...AND the interest is mega low... and I have even had multiple loans at once.... the better way to borrow... thank you affirm",5,THE BETTER WAY TO BORROW .... Amazing... awesome... outstanding,
philaugradAm123,FALSE,2/15/2019 14:22,"Hey Affirm! 

I wanted to say THANK YOU from the bottom of my heart for all the help. I’m 26 with student loans and bills out the A**. With Affirm and their flexible payment plans I have been able to have nice things and not break the bank. My apartment is beautiful and comfortable! Just about every large piece of furniture I have is from Wayfair partnering with Affirm payments. I AM THANKFUL! Just finished a payment plan today, got the email confirming I’m done and it feels great ! -Alyssa",5,Helping a young adult make it in life!,
ashortness,FALSE,1/14/2021 19:28,I thank you for your company. Without you I would not have been able to fly and visit my family. And I plan to keep using because with the low payments I was able to pay off faster then I thought. You have done a great thing here. I have been telling friends and family also. My mom used to get a vaccuum. Low easy payments and no penalties to pay early.,5,Great for getting plane tickets,
Cuff huff1121,TRUE,8/26/2018 16:44,"I have some questions about why a recent charge was not set up as payments, I’ve gone through there a little tech-support bologna and no one has contacted me back after three inquiries and two days! There’s no phone number, no email, no live chat, no way to get a hold of these idiots! I wouldn’t recommend them. They also charge a return item service fee to return things! 

Update in response to developer comment:
  I have contacted you guys and there is nothing they can do. You need to make your app clearer with options clearly stated not being able to go back and change options is poor customer service.",1,Can’t contact them in a timely manor!,"{'id': 4770510, 'body': ""Hi there, we're sorry to hear about your recent experience. Please feel free to contact us directly at help@affirm.com so we may help resolve this issue!"", 'modified': '2018-08-22T17:38:10Z'}"
flamingjune5dwj,FALSE,7/12/2018 18:16,"I’ve been using Affirm for several years now and they are the best bank out there period. They are transparent and honest. I don’t feel like I’m being cheated or used by fat cats on Wall St. with these guys. They have always been helpful and I so appreciate their service. I wish they had checking account options, I’d switch from those Wells Fargo swindlers in a heart beat. Please don’t ever change Affirm!!! You’re the only ones I can trust!",5,Best Bank Out There,"{'id': 4224187, 'body': ""We're here for you! :)"", 'modified': '2018-07-13T15:03:30Z'}"
cjsummy11,FALSE,5/4/2018 23:06,"Absolutely amazing company! I have used them several times for so many different purchases big and small and they are hands down the best out there! Affirm has helped me remodel my home, fix cars, upgrade to bigger and better toys without breaking the banks and racking up credit card debt all while helping me build my credit profile. I recommend them to everyone! Thank you Affirm, you are out of this world!",5,Amazing! In LOVE with Affirm!!,
Bonner1970,FALSE,9/5/2020 21:38,"This AFFIRM concept is such a blessing. I first learned of it about a year ago, when I had a last minute travel emergency that required me having to fly across country. I didn’t have all the funds at the exact moment, to purchase airfare. A friend said, try AFFIRM. I did. And it enabled me to be able to make my trip, and to pay back on fair & reasonable terms. I truly am so thankful for this company and the great service they provide.",5,Affirm is a Life-Saver,
Rtrie,FALSE,6/4/2020 21:54,"Wow,  I needed printer for my stay at home job and was shopping on the Walmart App. When I went to check out Affirm was one of the options to pay.  I used them before for me new truck accessories and super low payment loan.  I did a new loan with 3 payment terms, awesome.  I was prepared to pay cash.  Now I can use the money elsewhere in the budget.  Awesome company and they make it very easy and build your credit while your at it.",5,Awesome App! AFFIRM credit,
JoeTheEskimo,FALSE,2/17/2020 7:25,"Have had a very good experience using Affirm for a few different expenses. Upfront lump sums are painful for me, but the monthly payments were much less daunting. Affirm makes it very clear from the beginning exactly how much you’ll be paying per month, and for how long, in order to be fully paid off — and it is always 100% accurate; no hidden surprises down the road, so you can budget accordingly.",5,Very good experience,
MOMMA SAYS NO!!!!,FALSE,2/4/2020 22:14,"I’ve not used the app yet - but even with not so great credit, due to medical or unforeseen events - they give you a chance to prove yourself!   I love these guys!   They’ve come in handy in a pinch more than once for those “emergency shoe” purchases!  Zero interest & now they’ve added many more, well known, merchants.  I’ve used them for over a year and never had a problem.  They are the real deal - just as they say they are!",5,Love this company!,
Brianjr02,FALSE,2/1/2020 1:27,"Shopping with affirm is the most wonderful program that is offered in today’s market. You can get what you want, when you want it, and make affordable, low interest payments each month. There is always the option to pay in full and save even more money. Signing up and prequalifying only takes a few minutes. Try it today and tell everyone you know!!!",5,Awesome,
DanaDane0313,FALSE,11/26/2019 7:30,I am soooo pleased to have found such a great and easy way to browse and shop and get the products my children need at the time and pay on them monthly which TRULY HELPS ASIMCE I AM A SINGLE MOM OF 6 children and my youngest is Veryyyyyy sickly and veryyyyyyyyy disabled since birth 7 years ago however he is a satire miracle!!! Thank you again for being Me and My Childrens life savers!!!!! I GREATLY APPRECIATE IT ALL SOOOO MUCH!!!! Take care and have a wonderful holiday season as well 🥰,5,This app is ABSOLUTELY THE BEST AND SOOOO EASY TO FIGURE OUT TOO!!,
Danzavier,FALSE,8/23/2018 15:23,Finally something simple and consumer friendly! I love this company! I love having structured payments with an end date you choose. Because  when you have a credit card it’s too easy to just pay the minimum balance only. This way you can choose to pay off in 3 months or 6 months or 12 months! Thank you affirm! Got my mattress and AirPods thanks to you guys! Mattress is already paid off.,5,Just what I needed!,
meowke,FALSE,7/6/2019 21:07,"Started an account with credit score 540, got approved for a phone loan 250$. Then started learning more about affirm and the app. Affirm gave a small amount of loan that I could use. Pay it off, get bigger loan available. Been using for a year, that they gave me 2k amount to use. 1300+ in current loan and 1000+ available. Then one beautiful morning the available loan balance went away, even though my score jumped to 640, and on time paid history with them. Just so you know that they might and will do that . And percent is 26+%.",3,Check this out,
karrie2424,FALSE,11/27/2020 21:52,"I am not sure about this app because it is the only one that will not approve me. I have sizzle, I have after pay, I have quad pay etc. and I get approved for all those apps and I’ve made all my payments and have no problem. This app for some reason it will not approve me for anything. It only says try again later. So I don’t understand why it doesn’t improve certain people.",5,Only app that won’t approve me,
Aukaiz_Candy,FALSE,3/10/2020 19:10,"I was on CheapoAir browsing for flights for 6! Then at check out i see this options to pay in monthly installments, so i got curious and clicked. It asks just a very few questions. The norm your name address tel number. SS BD, income & email. That was it! Approved or not. I was approved within seconds.  More loan sharks should use the ease of application like Affirm! They’d get way more business.  Great job affirm!  Keep up the great work and ease of use. Thank you!",5,Super easy!,
fucdge,FALSE,9/23/2020 8:50,No customer support  whatsoever. Tried using it with Expedia and was too confusing. I couldn’t get any transaction to go through. Then suddenly 3 separate loans show up on my account for the same trip. This was hours later with still no confirmation from Expedia for the reservations.  I’m afraid this is going to damage my credit score. There is no way I’ve found to talk with  someone in person. When I emailed I get a generic response. I’ll never use Affirm again.,4,Support,
MamaPasta,FALSE,6/30/2020 16:01,"You can pretty much only use the app if you have a good credit score, the customer service was horrible. I emailed them multiple times asking why i was declined and they only said “you did not rank high enough” and every single email was saying the same thing over and over and none of my questions were ever answered. My credit score ranked higher than their minimum limit and every time I said that all they replied with is “you can try again in the future” or “we can’t see the specific reason as to why you’re being declined due to the privacy of your account” will NOT be using this app ever again.",1,The worst!!,
h2eddie,FALSE,2/17/2020 15:30,"Have used 12x, and paid off 8 of 12 AS AGREED, in fact,AHEAD of schedule on virtually every purchase. NOW my account has been FROZEN. IT WON’T even allow me to enter an amount. It rejects my request for ZERO $. Apparently EXPERIAN doesn’t appreciate my hard work and excellent pay record. They’re FICO 8 people, guttering your TransUnion & Equifax numbers. When I try to disable real-time qualification the app automatically resets it.  I’m heading for the Affirm exits.",5,Affirm Love Affair OVER,
SandyGirl595,FALSE,6/30/2019 2:18,I use Affirm because I love Warby Parker glasses and it allows me to pay for my frames over three months interest free. You’d be crazy not to take advantage of this!  Affirm allows me to purchase items I might otherwise not buy if I had to come up with a large cash amount up front or be charged interest on a credit card. I hope to use Affirm to pay over time for a vacation next year! Use Affirm - You’re welcome!!,5,Loving Affirm!,
simbasage,FALSE,10/24/2018 22:23,Affirm provides an Easy loan and payment process. I would rate it a 5 but the interest rates are a bit high. It would be great if long term customers with a great payment history would be given a lower interest after one year of timely payment and early payoffs. Then each year after that the customer would be given consideration for further lower rate reductions and other perks.,5,Easy loan and payment process,
Ma Chao92,FALSE,9/14/2018 13:02,"The app is so simple and easy to use i love it! I wish all financial apps where this simple. Easy to setup, easy to find your loan payment and see your payment plan, easy to see if your prequalify for more money and how much, and finally, it comes with a FAQs section so if you don't know if or how to do something you are wanting or trying to do, its all right there and easy to find the one your looking for.",5,Simple and easy,
paulopotz,FALSE,9/14/2018 3:39,"I was buying a cell phone online and at the point of purchase Affirm was offered to me as a method of payment. I figured ok let’s try, and it set me up with small monthly payments and gave me a credit line. It was so easy, and making my monthly payments is a snap. I have had no problems with this financing tool and I highly recommend it! By the way, I have no affiliation with Affirm and this review is totally seat-of-the-pants. Thank-you Affirm!",5,Great App!,
Nereid@heart,FALSE,5/31/2018 3:29,"If I could give this app 10 stars, I would. I love it’s simplicity! I know up front how much interest I’ll be paying if I pay all the payments and I don’t get penalized for paying off early! They give you a few repayment options and you can choose the best option for YOU! I’ve been able to actually buy things that I’ve wanted for a long time but I’ve never had that kind of cash up front for! I love Affirm!!!",5,The BEST!,
Grios1991,FALSE,5/17/2021 11:42,"My wife and I recently started going through hard times and couldn't make our payments on time. Prior to our circumstance, every payment had been made on time. I’ve now been furloughed for 2 months after having ACL reconstruction and just found out Affirm could move my payments back. I’ll be back to work soon, hopefully before those bills come knocking again.",5,Affirm is Great,
jbecks10,FALSE,5/12/2020 2:52,"I always thought there would be some sort of “catch” just waiting to happen and either mess up my credit score or be hassle to jump thru hoops to truly get to the end result. I was WAY WRONG. One of the simplest designs of an app when it comes to user friendly services, and exceeded all expectations on every front. I’m at the moment buying things I don’t NEED just to use this app again. Thanks so much Affirm!",5,AMAZING!,
bye affirm,FALSE,3/1/2021 19:20,"I’m giving this a single star because I can’t leave zero, so I give affirm a single star for advice to stay out of politics. As soon as I see support for hate and racism, I’m done. Everyone is equal, nobody is better than the other nor should they receive special treatment. Affirm you screwed up when you advised your customers to buy and support a specific race. That’s not right and it’s not your place to push this on anyone. I’ve had enough of companies getting involved in supporting the wrong groups for the wrong reasons to please them and the public. With that I’ve paid off my balance and I’m closing the account.",1,Stay out of politics,
Sbuie89,FALSE,1/20/2021 21:11,I started out using affirm in november 2020. It was really convenient especially for all the Christmas shopping I had to do. Now that I have accumulated and paid off to accounts on my affirm account I’m confused. I started at a balance of 500. I have been paying off my accounts and now my balance has decreased to $160 and I am completely confused. I’m not sure if it’s the change but it won’t even let me buy anything from Walmart. So now I’m like what is the point of even using the app anymore.,3,My balance has changed,
PMiney101,FALSE,10/15/2020 21:18,"These people are a third rate con job.  I arranged a loan through them to buy an Apple computer.  When I went to purchase, it transaction was denied because of a promotional cost in the purchase with Apple. The solution was to cancel the order, which I did the next day, and attempt to reorder.  Affirm has locked up the line of credit and refuses to release it even though nothing was technically charged.  I took it up to the top of Apple and they said that no charge was made and that the transaction never happened. Affirm refuses to release the line of credit.  They have horrible customer service and are a bunch of back room con artists.",1,Con Artists,
gchvez,FALSE,1/19/2020 19:13,I was buying a pair of shoes and this Affirm credit comes up showing I can pay through them in payments so I did. Then I started using them all the time always paid off ahead of time never late and still have a couple of things I’m paying on that are paid up until March. Now all of a sudden it shows I have no credit with them... they just lost a customer!!!!!,5,Confused,"{'id': 13047422, 'body': 'Hi there! Thanks for reviewing Affirm on the App Store. We love to hear that Affirm was able to help on different occasions and apologize for missing the mark this time around. Please note that there is a credit limit setting the maximum amount of credit a lender has already decided you can borrow. To learn more about how Affirm works please reach out to our team at help@affirm.com. We look forward to assisting you! ', 'modified': '2020-01-21T21:18:58Z'}"
CS135111,FALSE,3/21/2020 18:29,"You can’t search by product, only by store! AND it tells you to click a button to see how much you prequalify for, that it won’t affect your credit, then I do that, and it says you don’t qualify for anything BC “we can’t identify you” and please check back in 29 days! I am 1 month away from paying for my mattress, they have my info and my payment info. They’ve been taking my payments for months! So this makes no sense. If I check back in 29 days I’ll only get the same thing. If they have all my info but can’t identify me now when will they ever? How can anyone use this app if they can’t seem to make this part work?",1,Useless,
PrecisionTrim,FALSE,1/20/2020 4:28,"I took out an Affirm loan to buy some large tools. It was SUPER easy. HIGH interest but it was easy. I have just about repaid the loan (4-5 months early and never late a payment) and thought about going though the process to buy more tools. NOW they want pictures of your ID....ok. Pictures of your face...ok. Pictures of you with your ID....ok? Email , Password, and ACCESS to your bank account.....no sir! I get it, people abuse the system. They had to tighten up. However, they should know me and my repayment habits from their system by now. Is there no trust among returning patrons? I’m not giving bank info to anyone.",2,Was Good.....,"{'id': 13047878, 'body': ""Hi there,\n\nThank you for taking the time to review Affirm on the App Store. We understand your concerns and we’re here to help! \n\nEvery loan is uniquely underwritten and outcomes will vary after each loan application. For a small number of loan applications, we ask you to link your checking account. This helps give us a bit more insight into your ability to pay us back. You are not giving us permission or the ability to debit your account. To link your checking account, we redirect you to your bank's sign-in page. Then, you sign in to your bank account on their site. We don’t store your sign-in information, and we can’t even see it. After linking your account, you can unlink it at any time in your Affirm account settings. \n\nWe hope you find this information helpful! To learn more check out our Help Center at affirm.com/help or connect with us at help@affirm.com for immediate assistance! \n\nBest,\nThe Affirm Care Team"", 'modified': '2020-01-21T22:04:56Z'}"
happybusdriver,FALSE,1/13/2020 14:16,My husband and I use to be over the road truck drivers and made really good money. But we retired and boy has our life style changed. Thank to ur short loan I was able to get my husband the gift he has been wanting for a long time. He is now working 7 days a week for the post office.... he works so hard and I really felt he deserved at least a nice TV! Thank you for helping me make that happen! Merry Christmas!,5,Thank you!,
PLomax8,FALSE,3/21/2019 18:42,"I began using Affirm over a year ago. Initially, I was reluctant to trust it, but now I absolutely love it! I’ve never used any version of obtaining credit that is as user friendly as Affirm. You can always see your available balance as well as previous and upcoming payment due dates in one place! Additionally, it is very convenient for making payments especially when using the “auto pay” feature. I love Affirm!",5,Love Affirm!,
Wodb2,FALSE,10/27/2018 20:23,"I’ve been with affirm for almost two years and they have been excellent in my transaction with no problem!!! I’m glad I’ve found affirm, they are my go to source of $$$ for my purchase online. It’s easy to get approved and to make simple payments and pleasant to deal with that my credit cards.  And their rates are great too!!! I recommend anyone to get affirm for all your online purchases!!

Sincerely, satisfied customer W.Vega From NY",5,Awesome company,
egerard84,FALSE,7/4/2018 9:44,Love this app!!! The interest is so low and making payments is simple. Has helped me repair my car and make purchases that I wouldn’t be able to otherwise. The virtual card is also a plus able use anywhere. Haven’t had the need to contact support but they seem like they really care. On my second loan already and have never had a problem. Pre approval in app no credit check required.,5,Best loan app ever,
Mustang Brian,FALSE,6/27/2018 12:15,"If your someone like me and can’t wait to just save up the money to buy the product outright, this app is just for you!! I’ve used this app for the past year and it’s great!! My limit has increased multiple times cause I keep my payments on time and sometimes pay the balance off early. If you pay the balance off early you won’t get charged the full interest eather!!",5,Very quick and easy to use!,
Zachavelii,FALSE,6/20/2018 19:39,"Affirm is a great app all around. It runs smoothly, has a modern look and lets you access any current or past loans with ease! Even though Affirm is not allowed on every web site it has a wide catalogue of stores you can use it for. Overall I have no complaints about it. If your looking to help your credit by taking out a loan on a smaller purchase. Look no further, Affirm is the app for you.",5,Affirmatively Exceptional!,
ALL4FUN1976,FALSE,4/22/2021 2:08,I’ve acquired Affirms service two different times now in the past few years. They’ve always made it extremely simple and with no strings attached to use their service’s and app every time. I’ve also told all of my family and friends about my experience in the hopes that they will use the services and app that is offered. Thank you,5,More than satisfied with this app,
CandiesTans,FALSE,4/22/2018 2:51,"I like what they are offering in theory, but I cannot say I'm satisfied with my experience. I remember trying them a year and a half ago and I had poor credit, so I understood the denial. 

Fast forward to today; I now have GOOD credit, debts paid off, and accounts in good standing. First they said that my checking account wasn't active... After a few emails that were not helpful, I still got denied! How? 

Apparently my checking account wasn't holding enough for them. I'm not sure what other magic I need to perform to get approved. So I'm done. Closing my account altogether and moving on.",2,Things that make u go hmmm...,"{'id': 3274689, 'body': ""We're sorry to hear about your recent experience. We're happy to answer any questions you may have about Affirm or your account. Please feel free to contact us directly at help@affirm.com"", 'modified': '2018-04-26T20:31:56Z'}"
dahliaesque,FALSE,2/2/2020 9:05,"It’s simplistic, but does everything it needs to and no more. A clean, easy to navigate design, and stable. Everything an app like this should be but often isn’t. It’s a good management system for the service itself. No complaints.

As for the service. It’s great. An option to purchase on credit at reasonable interest rates. Great if you don’t have an great credit score or history.",5,Does what it needs to,
Lorelei131313,FALSE,9/11/2019 18:46,"I’ve used Affirm for some large purchases and it’s been great. I’ve established a “never been late on a payment” history. I wanted to purchase something a month or so ago and checked to see if I would qualify for that amount. Now they want a pw to one’s bank account. I don’t feel comfortable with that so I won’t be using Affirm again.  If you’re cool with that, it’s great!",5,I’ve used a few times and it’s been great,
unclegene61,FALSE,5/22/2019 5:06,I make a payment for one loan and then try to make a payment on another but first loan keeps coming up as if I haven’t made the payment but I have text/emails from you that I have if I click on make a payment it asks if I want to make another payment on the same loan?? To make payment on the loan I want to I have to click on two loans below the new app is not working correctly,5,Not working correctly,
bdubbyaTee,FALSE,4/10/2019 13:07,"Best app ever and program. 
Don’t have enough cash on hand for something you want right now, but will soon? Then take a loan from affirm. The interest really isn’t all that much unless you make a mega multi thousand dollar purchase which they probably wouldn’t finance anyway lol
Give it a try. I have several times, and then I set up auto pay and forget about it. Three days later my order arrives.",5,So Easy,
Johnmccammon11c,FALSE,11/16/2020 22:06,I have used Affirm with a few different companies to get products. It’s easy and convenient! They have helped my credit improve tremendously after going through a bankruptcy. I continue to use them just so I don’t have to make large purchases out of pocket all the time. It’s great for vehicle parts and shopping for Christmas! Highly recommend it!,5,I’d give it three thumbs up if I could!,
Mr Breezes,FALSE,7/15/2020 20:22,This is an excellent way to shop and save money providing with credit to major retailers and businesses they have worked so well for me and my family are use them for a lot of different transactions and they have all worked well I recommend them to anyone that is trying to establish their credit as well as shopping at discounted rates,5,There when I needed them,
Socialnetworkguy,FALSE,6/5/2020 17:38,"Affirm has helped me so much so many times! There has been things that have come up I needed to buy either for work or personal life that without affirm I wouldn’t have been able to purchase. The interest rates are payback are more than fair, it almost feels like a friend who is there when you need them. I will continue to use affirm for many years to come.",5,So helpful when needed.,
grossledenraged,FALSE,6/29/2020 18:45,"I have worked for hours to get a new payment method into your app only to find that you don’t accept a  credit card and that’s the only way I can pay since my bank account has been hacked I and my account is closed. I have no way to pay you until I get a new account which will take longer than the day you charge the bank. I guess I will just have to let it 
bounce and get back to you when I  a new account. I have rated you honestly and you will not accept an honest rating. SCUM",3,Disastrous,
Chrisdemet,FALSE,10/15/2019 22:59,"This application/Banking Institution is  awesome, I started out purchasing small things and now I was able to plan my whole vacation and pay it off little by little or make a larger payment. What’s great about them is they work with people who do not have perfect credit trust me I was one of them but by using them it increased my credit score. I’m always happy to do business with them.",5,Awesome to have,
Missladyj87,FALSE,4/5/2019 21:28,"Affirm gave me credit with 0% interest despite me having a low credit score due to having barely any credit history. It has helped me buy things I wouldn’t have been able to without it, and build my credit score at the same time. So happy that something like this exists. *Be responsible* and you can use it to help build your credit too.",5,"Rarely review, but I love this app",
hookdgang,FALSE,6/10/2019 14:18,I have nothing to say about the app or the website or anything about how easy it is to use or anything like that because I wasn’t even able to create an account. I put all of my info in and it told me they couldn’t verify my identity and they barred me from using affirm for good. And when I talked to customer support they said that I had sent things from 2 different emails which is not true. They told me that they were going to reply to the other email address and that was the last I heard from anyone at affirm. Honestly I’d give zero stars if I could. This is definitely the worst customer service I’ve ever encountered.,1,Terrible,
Bmaroukis123,FALSE,11/8/2018 10:05,If you can be responsible and make your payments on time . This app is amazing! Helped me order my Purple mattress. I have an ok credit score but I was approved in 3 minutes. Due dates are flexible and carry over so if you pay more then your payment it’s just less you owe the next month. Auto pay was easy . Payments are instant . Your interest is a one time amount so the loan you get is the final amount. This app is amazing,5,Amazing,
Serenitylove19,FALSE,1/14/2019 17:52,I tried numerous attempts through the app to create an account and each time it said unable to verify identity. I tried twice on the website but on the second time of the website told me the action was final. I wrote an email to them and apparently if they can’t verify your identity then you can never use them. I’m in school and working and thought this would be a great way to be able to pay for stuff that I need without paying up front at stores. Disappointed that because my identity couldn’t be verified I can never use the app. I’m confused on why that’s how they work and I feel they need a better system.,1,Confused,
Bambi012183,FALSE,10/23/2018 8:38,My husband and I have been planning our Fiji trip and we’ve been able to book the complete saying through them piece by piece and without this company we might have not been able to go. It’s nice that they give you the option to be able to pay off without being affected by the interest but also it’s super easy and convenient with this app.,5,Outstanding,
Ruthie3333,FALSE,7/6/2018 22:30,Affirm.... just thank you. Thank you for giving me the chance to book vacations and making it super easy to pay you guys back. Thank you for helping me get my new laptop that I needed for work. Thank you for allowing me to pay my moms flight to attend her brothers funeral. I am so grateful that times have changed. Just for those who are reading please make sure you can afford to pay back!,5,The best for vacation booking!,
Panda@19,FALSE,6/6/2020 17:36,"I’ve used it twice now and I love it! Super easy to use through their app. Pick a store, tell them what the total is of purchase and see what you’re approved for. They give you different payment plan options and then give you a digital card to use for that store. They check your credit and that’s how they decide what you’re approved for. Great way to build credit!",5,Affirm is the best!,
indigokristine,FALSE,5/18/2021 23:33,"Affirm can be very convenient alternative way to pay for your purchases, BUT their return and cancellation policy needs much improvement. When an order is canceled, or an item is returned it takes Affirm way too long (up to 3 months) to refund your money and while they are taking their time refunding your money you are expected to continue making payments on items you no longer have. It’s definitely a problem!",3,Needs improvement,
kentdowning,FALSE,3/13/2021 1:03,"I signed up with a new mobile provider and affirm is their partner for phone installment plans. I downloaded the app after obtaining the phone to setup automatic payments. I spent a couple minutes perusing the app and within minutes received two emails letting me know my application for credit had been rejected. The thing is, I didn’t apply for credit. Apparently they enable prequalification automatically so anytime you click on a store within their app, they appear to run a credit check. I find this infuriating and deceptive. 60 seconds and I appear to have received two hard credit pulls on my report.",1,Deceptive practices,
Food feeding souls,FALSE,2/26/2021 15:48,"Do not use Affirm! This company uses a bait and switch. They show reasonable terms and interest rate but at checkout, they change the terms and interest rate and you end up paying significantly more. If you have the credit available on your credit card, you’d be better off using that then using Affirm. They gagged me 1 time and that was 1 time too many. I paid 28% above the actual price! That’s more than the worst credit card apr out there for people with the worst credit and I don’t have bad credit!  When I realized what happened and reached out to them, they refused to amicably resolve it. Never again! Buyer beware!",1,Rip off,
Archer189,FALSE,8/6/2020 17:43,I created an account and I was doing so it asked me crazy question one of them was asking me the age group of my gf and not mine witch I thought was odd then it asked me question to check mark the people I live with witch were people I’ve never heard of or meet and the the only thing that was the same was my last name so finally when my account was created I went to see if I can get a tv from Walmart and it told me that I don’t qualify because they could not verify my identity witch I gave them and input everything they asked for.,2,Didn’t work for me maybe it will for you,
crarz,FALSE,5/9/2020 22:40,"I love shopping with affirm they give me a good payment plan wich i used twice to shop and buy online ive payed the balances in full on time they are always in touch with you whether its a payment coming up or you have completed your payments or even better that you qualified for more credit , they really do offer alot thanks affirm i will be a continuous costumer great app I would recommend 👍",5,Great company!,
illuminatisurveillancevan,FALSE,4/24/2020 23:10,"While affirm is great, the app itself is flawed, where if you use their app portal to other sites, it might check you out as guest, in which case you won’t receive order confirmations or tracking sent to you. 
 
I never received an order, and couldn’t find it anywhere, neither could the merchant.

Also don’t be confused with the virtual cards, is not a credit card, and won’t receive the same buyers protection you get from a real credit card. If you don’t receive your order, is pretty much on you to figure it out",2,Good but in app shopping is flawed,
Cocogirl12,FALSE,3/2/2020 20:29,"Thank you Affirm. The loan was easy to apply for and the approval took minutes. I was able to buy from stores that normally I couldn’t buy from. The interest rate was low and not accruing which kept my payments reasonable. I’ve used Affirm to buy furniture, apparel and tires. Having a loan through Affirm has also helped my credit score. I’ve referred my family to Affirm and they love using it too.",5,Thank you,
will_fl,FALSE,11/10/2019 14:30,Love Affirm but one suggestion. Would be useful to be able to consolidate multiple purchases into one loan with one payment every month vs. having multiple loans due at different time of the month. Yes it’s possible to pay them all once a month still but easier to manage for example one $1000 loan with one payment vs 5 loans with $200 payment due at different time of the month.,5,Love Affirm,
film8krDude,FALSE,6/28/2019 22:35,I appreciated the fact I could get a plane ticket on short notice and not have to worry about paying it on the spot. These guys remind me a few days prior to payment due and payment is easy and affordable. I’ll use the monthly payments for another two months and then pay off the balance right away. It was nice having that option. Good company. I highly recommend them,5,Great company,
BB from Big D,FALSE,5/8/2019 23:25,Used the Affirm a couple of times now and it’s been an easy and convenient process.  Really like the expanded list of retailers accepting Affirm. Allows me to pay over time without interest and no annual fees (unlike a traditional credit card account).  Also the impact on your credit report isn’t as significant as a hard inquiry.  Overall love the app and recommend it!,5,Great alternative payment option,
Chadroofock,FALSE,2/8/2019 20:55,"Have always been denied for credit cards in the past since I’m rebuilding my credit. I got my first loan through affirm. They started me low to give me a chance. Almost a year later I’ve used affirm to buy a multitude of things. Now my limit is a lot higher, and so is my credit score. Very simple to get a loan, and even easier to make your payments. Incredibly low interest rates, too. Love it.",5,Great app,
MWGifford,FALSE,2/1/2019 15:05,"I’ve been using Affirm for several months now. It’s been very easy to use, interest rate has been reasonable, and even with my poor credit they’ve worked with me. Payments are easy to setup and they’re very transparent about how much you’re paying in the end. You can even pay early and not have to pay all the interest. The app couldn’t be easier to use.",5,Super easy and transparent loans,
mike from pensacola,FALSE,11/5/2018 0:02,"Use it often, needed tires and didn’t have the cash readily available, found a deal that even delivered for free.  They were sitting in my driveway within a couple days.  Also bought some through Walmart and had them delivered to the store.  Easy transactions and won’t drain your bank.  Pay of early and save interest charges.   Better than a credit card.",5,Awesome when caught in a bind,
kittybrii,FALSE,5/16/2018 3:25,Being on maternity leave this app has completely relieved me of stress. Having to pay a few last minute expenses before my leave has helped me since i can break the payments even lower. Paying $12 a month is much better than paying $120 in one shot when my income is not coming in as much. And honestly the interest is not even a major deal. Def recommend this app,5,Absolute life saver,
mrcrabs101,FALSE,2/24/2020 14:18,I have had no problem with affirm. They are great to shop with and you can pay your loan early and there is no penalty and they will reimburse you interest that is owed if you pay it off early. Can’t get better and they report it to your credit unlike others. It shows as unsecured loan which is excellent if your looking to build some point on your credit score.,5,Affirm is great,
Chekthepic,FALSE,11/6/2020 20:11,"App asked for my drivers license, a photo of me and more. Then I go to prequalify and it says only two sentences: Their Partner Bank can not prequalify me due to my limited credit history. Our decision is final. So passive aggressive “our decision is final” especially when I do have 6 years of credit history - two cars, paid student loans, a credit card, etc. and Good credit! Qualified many other places so it seems to be a scam to just have gotten the info. Wouldn’t have given my info if I knew I hadn’t been prequalified for the deal after already have given that info.",1,Passive aggressive and seems to be just looking for your info,
Velle's Bop,FALSE,1/9/2020 1:40,I did like this app until I was asked to link my checking account. Refusing to prequalify me because I will not log into my bank account through your site. Bypassing the fact I autopay through your app with my checking account; without ever having an issue with my payment. I will be deleting the app and closing my account once you are paid in full.,5,Linking Checking Account,"{'id': 12830673, 'body': ""Thank you for taking the time to review Affirm on the App Store. We understand your concerns and we’re here to help! Every loan is uniquely underwritten and outcomes will vary after each loan application. For a small number of loan applications, we ask you to link your checking account. This helps give us a bit more insight into your ability to pay us back. But you’re not giving us permission or the ability to debit your account. To link your checking account, we redirect you to your bank's sign-in page. Then, you sign in to your bank account on their site. We don’t store your sign-in information, and we can’t even see it. After linking your account, you can unlink it at any time in\xa0your Affirm account settings. We hope you find this information helpful! For immediate assistance reach out to help@affirm.com! -The Affirm Care Team"", 'modified': '2020-01-09T22:24:21Z'}"
kmanda3,FALSE,11/16/2019 0:39,I love the app... you can but now and make payments that are reasonable. They give you an upfront prequalified amount and the monthly payments are fair price. The interest is there but not horrible and I love the payment reminders that come via text as well. It’s super easy to use and I’ve had no problems - 4 loans with them in 2 + years and I’d use them again!!,5,Great option for pay later,
MissOelle,FALSE,5/4/2018 16:25,"I have really enjoyed using Affirm over the past year! It’s been the easiest way for me to get the things that I’d like to and pay them off when I can - so I’m not missing out on extra savings. Because I pay them off quickly, I’m also not worrying about extra interest adding up. Affirm has given me peace of mind while using deadlines to avoid credit card debt. A win for me! ☺️",5,Easy to use!,
DucksGin,FALSE,1/13/2019 20:06,"I was suckered into believing I could make a $300 purchase for the Ambr Wave Bracelet and pay over 3 mo with no money down, interest free. Giving my name, address, birth date and ONLY the last 4 digits of my Social Security #. So I ordered the Ambr Wave. 
Then I received an email from Affirm, requesting to verify my email. I clicked on the link to download their App, where they THEN denied my credit based on, ‘not having enough info to check my Experian Credit Report’ and their decision was FINAL. 
What a scam! THEY DIDN'T ASK FOR ENOUGH INFO TO OBTAIN CREDIT & THEN DENIED IT, but have you because you’ve already made the purchase. 
I see a report being filed with the FTC.",1,Claimed they extend credit but don’t run report,
jdmdc2nr,FALSE,9/28/2017 19:09,"Paid off several thousand dollars with these guys really painlessly. I’ve used it for multiple things, and a few online purchases where you specify how much you want to spend and you get an immediate visa # to use. There’s never been any hidden fees or penalties or anything. What they say I’m going to pay is exactly what I pay. I wish all credit companies were like these guys.",5,Really is an awesome way to pay.,
John Johnny J,FALSE,6/13/2020 5:23,During this pandemic I was unable to make payments due to losing my job I reached out to affirm that I would not be able to make my full payments due on time and the response I received was not friendly. I was late on payments and they put a ban on me from using the app so when I was finally working again I paid off everything and am now deleting this app for good.,5,Pandemic,
FrancoPancho,FALSE,6/26/2020 23:08,I cancelled an order over 40 days ago and my loan was still showing up as processing . Merchant would state the order was cancelled and refunded and affirm would state the merchant was still processing the loan .. did this dance of calling both parties for over a month ... and both blaming one another ... today I called the merchant and had the merchant call affirm on 3 way.. .yes.. that’s what it took ...  Success ! Just like that affirm finally removed the “ processing loan “ from  my account .,4,Returns,
straighttostrickland,FALSE,4/22/2020 0:54,"Disappointed they haven’t been clear, helpful or haven’t went above and beyond with helping me getting a refund on my purchase with stub hub being cancelled bc of Covid 19. They want their money whether or not I get my refund back for tickets purchased. My purchase was paid with there affirm credit card. Most credit card transactions can be disputed with the help of the company.",5,Disappointed,
Desertbud75,FALSE,4/4/2020 13:59,I am retired living on Social Security.   Cash purchases are difficult living on a budget.   Affirm allows monthly payments which enables me to buy what I need.  I have spoken to their customer service more than once and they are the most friendly helpful people. I just made my second purchase through Affirm and will definitely use their services again.  Thank you.,5,Purchases,
Tiara.michele,FALSE,3/15/2020 5:06,"I have used and loved affirm for YEARS ! Honestly the EASIEST and QUICKIES way to get and use a loan. I will continue to use it for years to come . The best part is the app is so easy to use which is rare, and the monthly payments are GREAT , plus the fact that you’re able to choose which payment you like the best I feel is awesome . Over all 10/10 would recommend over any credit card !",5,Life saver,
Phire_Va,FALSE,10/3/2019 15:37,"I just wanted to say that Affirm is the true one stop place for your funding needs when you’re stuck on a way to purchase the item or items that you want, they came to my help when I wasn’t sure what to do and they handled everything and they were on top of everything, they are that app that we all need.",5,Affirm that place to go for help with your shopping .,
AKCural,FALSE,1/17/2019 5:46,"Very happy with Affirm and it’s app. Has everything I need at the touch of a finger. 
My only suggestion would be maybe a search bar for things sold using Affirm. Maybe it already exists but I haven’t been able to locate this feature. Otherwise every other thing about the app and company has been great!! 🤗",5,"Easy, convenient and will use over and over again!",
jwtack,FALSE,8/2/2019 22:58,"I like the flexibility of Affirm but not the customer service because there is none! Half the time the app says it can’t confirm my identity. I received a loan last week without a credit check and when I asked for a refund because the item was back ordered, I received the refund but when I found the item elsewhere, they made me go through a credit check. I have a freeze on my credit so I unfroze it and now they keep telling me there is a freeze. Can’t call anyone because there is no number on the app to call! What a joke!!",2,Customer service,
#NAME?,FALSE,7/11/2018 1:08,"I purchased a new Casper bed and used Affirm for the first time. I was skeptical at first but they approved me and I was able to make payments over time without a hassle. The online app was definitely a plus. They sent a reminder a couple days before my payment was due and with just a few clicks in the app , I could pay it really easy . Will definitely use again!",5,Great company- easy to use,
MsH1201,FALSE,10/30/2018 19:05,"The app is easy to use, very clear and it’s nice to see the pre-qualified amount at the home page. 
The only annoying thing is that payment takes forever to post. I pay directly from my bank account, it takes maybe a day or two to withdraw from the account and then another several days to show on the app.
I don’t understand why it takes so long!",4,The app is great but Payment takes forever to post,
hayves1970,FALSE,5/5/2018 20:45,I have used Affirm for quick purchases about 4 tines now and I enjoy the ease of it. Very quick to process and the loan payback options are great. Enjoy the fact that you can payback Earl also without penalties or extra fees when you are in a need for a quick loan until payday or end of the month. (or to keep your wife from seein the Harley Davidson charges pop up on your credit card...hahha!) thanks Affirm!!!,5,Great idea!,
Lucywitt72,FALSE,3/13/2019 20:00,I do enjoy this app so far I have found the bracelet that I once lost years ago although a replica I still found the exact same bracelet very pleased with that. And now to find a purse that I’ve always wanted I love that. Only drawback is it takes quite some time to get the item that you purchased to you. The process of waiting isn’t what I expected. Still waiting,5,Luv this app,
KB-Jersey Girl,FALSE,1/31/2021 2:56,I’ve used Affirm in the past without any issue. I have now tried to make a purchase. At the screen where it determines how much you can spend it asks for your name telephone number and birthdate. For some odd reason I get a message saying I cannot change my he birthdate of an existing user. I have no idea why this is happening. Unfortunately I tried the “Contact us” area of the app and was only able to leave an email message to which I have received no response. There is no phone number to call to resolve this. It’s a shame because this is an otherwise good app.,1,Unable to reach customer service,"{'id': 20794758, 'body': ""Oh no! We sincerely apologize for the troubles here. We'd be happy to take a look into this for you, please contact us at (855) 423-3729. Thank you."", 'modified': '2021-02-02T02:04:17Z'}"
XLadyLucidx,FALSE,4/26/2020 15:33,"Against my better judgement, I used Affirm instead of my credit card to purchase a flight for a graduation shortly before lockdown. Of course all events have been cancelled, so I cancelled my flight and cannot use the voucher for the same flight whatsoever. It will go unused. I’m forced by Affirm to pay for zilch or have it go to collections. A direct quote from Alicia in customer care: “I can understand why making payments on a loan for an order that you don't have is concerning.” I am a young adult with enough debt, and they couldn’t void it for this incredible circumstance. Deleting my Affirm account ASAP, just stick with credit cards.",1,Greedy Co. during COVID-19,
Rmj 1973,FALSE,4/25/2019 5:55,"I was trying to schedule an automatic payment for my next due date ( May 20th) as I had just paid my last bill on April 20th (today is April 24th) and thought I hit May 20th when lo and behold I made the payment for today. I called customer service as there was not an option to undo a payment that was accidentally made on the application. They assured me that it was taken care of since it was the same day and the funds would not be taken out. I look at my account less than 10 hours later and the fund have been debited.

Bad customer service!!!",1,Bad interface when accidentally making payments,
Monstersinhouse,FALSE,11/8/2018 5:55,A great way to shop for what you want without an inquiry on your reports. However the open account does show on your credit reports.  I bought something and have a year to it off for 40 bucks a month. I saw the same exact piece of furniture at JCPenny app.  This small loan with the high interest rate was still cheaper then paying for the shipping. It’s a win win win.,5,User friendly,
Sristikaylor,FALSE,11/14/2018 13:22,"My bank (Old Line Bank) is not listed so I cannot get a loan. I click “Can’t find your bank? Let us know.” & entered my bank, I have been doing this frequently in hopes that they will add it. I even messaged them 2 months ago & they’re response was to click “can’t find your bank? Let us know” which I have already done multiple times. My complaint is really that I’ve reached out & have been trying for months & have had no help. I would love to change my rating to a 5 star if they would add my bank. My boyfriend uses this app & loves it.",2,My bank not listed,
Marcus Arelius Maximus Minimus,FALSE,6/3/2018 21:50,"I have had some issues with credit in the past and it has been difficult to get my credit rating back to where it had been. As a result I’ve had some bad experiences with getting credit but Affirm was wonderful.  They were quick, efficient, and took the last 7 yrs of good credit into consideration and I was approved.  I give Affirm my highest rating.",5,Amazing experience,
LuxeBunny,FALSE,5/26/2018 5:48,"Much better than a credit card because interest is lower. Also, it’s good if you’re uncertain on a purchase. Keeps you from making full purchase commitments. I live what I bought but it’s nice to know I had flexibility and was not out the full purchase price until I paid off Affirm and already knew I loved the products.",5,"Finally! And, better than a credit card 💳",
kluver42,FALSE,5/21/2018 16:31,I love love love this app and company! It’s so incredibly easy and quick and absolutely convenient for those moments you really need it. It takes the stress out of the small loan process and the payments are so convenient and I love how you get to choose what kind of payment plan you’d like. It’s also really awesome that you can use your loan to create a virtual credit card to use in brick and mortar stores if you wanted to.,5,🙌🏽,
UrbanGladiator313,FALSE,3/13/2020 14:03,"I use affirm a lot, it was a simple process to set up and activate my account. Over the past 6 months, I was able to buy an iMac and a couple pairs of shoes using Affirm! Just like any loan, pay quicker, you accrue less interest. I also feel like when you pay your loans off faster or make your payments  on time, they allow you more money to loan!

Great service!",5,Easy Process,
Moni1928,FALSE,6/18/2020 21:14,"I love affirm,  it’s always there when I need something in an emergency and I get to pay it off in 12 months, which is quick and easy. My washing machine died, because of a rat chewing on the water pump. He did some real damage... Over $500 worth! So once again... affirm was there to help out! The only thing that I would complain about is the high interest rate but paying things off in a years time... compared to a long period of time.",4,LOVE IT,
mal6373864848384,FALSE,3/4/2020 13:55,I absolutely love the mattress and it’s probably the most comfortable bed I’ve ever had. I would say it’s worth the purchase. I have been sleeping on it for 4/5 weeks now and my back feels so much better. There’s so many options when it comes to stores and mattresses but I finally decided on this and it was well worth it. Everybody’s different but for us we love it!!!!! It’s the perfect amount of soft,5,I love it,
jensmomtoo,FALSE,11/3/2019 13:38,Great for buying larger purchases bought a Samsung 58”tv and a HP laptop both for Christmas presents so I did not have to use my cash or credit card so I could still do the remaining Christmas shopping approval was extremely quick you can set up automatic payments so you’ll never miss one of your payments would definitely use this for future purchases,5,Christmas purchase,
Cshau,FALSE,5/9/2019 11:40,"This app is one of the easiest to use. With touch based and/or text message log in, it could not be easier to get going. Monthly reminders also help you stay on track when paying back your loan. In addition, the organization of the platform used to display your account details, loan payback timeline, and other informations is clear and concise.",5,User Friendly Financial Assitance,
adorable729,FALSE,4/20/2019 15:35,The app is basic and doesn’t have all the glamour like other apps where you may spend forever just figuring out which one to click to get where you need to go.  Just perfect.  Please do not change any of your features!  Love this company and will be returning.  Customer service has always been superb and super nice.  I mean over the top nice!  Thank you!,5,This is the easiest app to use!,
jennifer626,FALSE,2/26/2019 22:50,"Love this! With 0% interest payable over the term of your choosing, every day with Affirm is like “special financing” with your local big box store — except they’re not trying to screw you with a secretly accruing APR that hits you with hundreds of dollars in unexpected interest. The app is streamlined and very user-friendly (more so than competitor Klarna). I will handle all of my larger purchases this way in the future.",5,Fabulous way to manage loans,
Njskullboy1080,FALSE,7/15/2020 18:25,"I’ve used Affirm for a few years now (mainly car part purchases). They are incredibly transparent in their financing process and payment options, going as far as laying out how principle interest will factor if you decide to pay off your balance early. I’ve probably used them about 10 times now and have had zero issues.",5,Easiest lender I’ve dealt with,
tjd1994,FALSE,10/24/2018 18:52,"I’ve been using this app for a couple years now and I loved it at first. It was great when I wanted to purchase something but didn’t have the money to spend all at once. I paid every loan I took out on time, early usually, and it was easy and convenient. Now that they’ve change it to this “check if you prequalify” thing (before you entered how much you needed and it was just approved or denied) I can no longer get a small loan. I don’t have the best credit (student loans) but also not the worst, and I pay my bills, so what’s up? Thinking it’s time to just delete this off my phone.",1,Used to Love It! Now It’s a Waste of Time,
vickie58,FALSE,8/17/2018 4:41,"So far they have been awesome to do business with in the application process is so smooth and easy,  payments are reasonable love it!! but they need to add an area where if you make more than one payment when you didn’t intend to , you can edit it so it doesn’t happen ! I ended up making two payments at once and didn’t realize it but there’s no way to fix it on your end you have to contact them that’s the drawback I see!!",4,Awesome,"{'id': 4741008, 'body': ""We're sorry to hear about your recent experience. We're happy to answer any questions you may have about Affirm or your account. Please feel free to contact us directly at help@affirm.com"", 'modified': '2018-08-21T02:00:10Z'}"
Ladybugshugar,FALSE,12/31/2020 22:11,"I purchased a phone for my husband for Christmas it was going to be three payments of $21 however, they took the down payment in December and I was supposed to have a payment January 9 for $21 February 9 for $21 however they made the full amount due January 9. I am paying it early December 31, 2020. However with this Covid crisis and money being tight for people for them to spring it on me that on January 9 they’re taking out $49 out of my account this company is an absolute joke. I have contacted them numerous times by email and it was a failed attempt to ask them why in the world are you charging me $49 on January 9, 2021. Buyers beware!!",1,Phone Purchase,
Love the head,FALSE,3/12/2020 2:44,Love this app. Love being able to not only schedule automatic payments. But being able to make extra random payments both big and small. Gives me the ability to pay off the debt early. Or pay ahead so I don’t have to worry about a payment being due if I have a bad month. Really saved us when we need 4 tires for husbands truck.,5,Affirm is amazing.,
JSolo23,FALSE,3/12/2020 3:26,"I attempted to sign up, but got an error saying they couldn’t verify my identity. This has happened to me before and after trying again once some time passed it worked. So I figured I would do the same here. However, after waiting about a month or so I’ve tried to sign up again. I received a message stating that my email is already associated with an account. I checked my email and don’t seem to ever have received anything stating the account was created in any way. 

I’ll try on the web and see if maybe I can somehow reset the account or something. Update once I do.",1,Unable to sign up,
Turbosteve413,FALSE,2/15/2020 2:44,Great App.... makes for easy low monthly payments with no hidden fees or penalty’s. My last loan was for 1760 and I paid it back in 12 months and cost me 300 in interest. Paid on time and they gave me another one with increased limit. Makes buying race car parts  that you don’t really need but could use into manageable payments and worth spending the extra money. ... two thumbs up,5,Affirm,
Chile Damus,FALSE,11/2/2019 5:03,"I made a large purchase and used the app to make my payments , it was so easy to set up and it keeps up with the amount owed , amount paid and up and coming due dates! Best thing about it is when you make a payment it’s deducted right away , no waiting days to post to your bank account so it’s easy to balance the old checking account! 
        - Mario",5,Easy to use,
Nikerbaker420,FALSE,10/21/2019 11:48,If your trying to build your credit and want your name and information to mean more to people other than yourself and loved ones like businesses and lenders well since I’ve used affirm and another company which I’m sure I cannot name but combined with using my credit and paying staying aware and on time my credit went up so thanks.👍🏻Affirm !!!,5,Affirm is Smart !!!Simple!,
zxxxxzzxzzzzxxzzxdxx,FALSE,9/27/2019 19:15,"I was trying to purchase an item on Affrim and denied me for monthly payments and the reason WAS i had high balances but my credit score was 761 and the still denied i will take my money else where i guess i will stick to Quad pay. Their system is better anyways. They get all 5 stars from me, i have purchased multiple things from them and still approved me.",5,Zero stars,
Turbofox618,FALSE,11/27/2018 10:18,Used it to buy some race car parts lol. Paid back small payments to try and beat as much interest as possible. But either way it’s a good app and business. Easy to use.  No late fees. No fees for early pay off. Look into if your wanting to purchase something that you want or need and don’t wanna break the bank. Reported to my credit also  all paid my way!!!!,5,Affirm is the Shiz,
jcoat23,FALSE,3/15/2019 5:37,"Affirm has made available to shoppers!  Something so simple in concept and practicality to fit right in with consumer evolution as it has taken on new ways that exist today...So...why is it that Affirm has been the only company to (so to speak), “Boldly go where no other company has had the assertiveness/‘guts’ to go as well”?  Thank you Affirm for recognizing the world as it works and, your willingness to have a company that works with it.",4,"A One of A Kind, Wonderfully, Useful “Offer”...",
1willybilly,FALSE,3/3/2019 17:30,"Would be better if payment history was reported to credit bureaus. 
 Affirm is a great company. 
Their costumer service is up to par. 
They provide a great service so people can make purchases and pay over time at no additional fee (provided payments are made in time) 
The only thing I would like to see change is reporting to credit Credit bureau agencies so that the good payment history would show up in credit report.",4,Good Company,
i. bolson,FALSE,8/29/2018 7:37,"Everybody can use a little push, a helping hand! When you need to get it done but there’s something standing in between you and your goal! Let affirm bet that boost to get you there! Affirm gives you purchasing power on many of you favorite brands and stores that you did not know you had! Let affirm break up the payments and give you the boost to succeed year round!",5,A boost,
Jenbuggyyyyy,FALSE,8/22/2018 22:50,"I love the fluidity of the app as well as how easy it is to get a loan, I used it for the first time on a pair of shoes and I didn’t have any problems, it even gives you reminders that your payment is coming up etc. I really like the whole idea of being able to use a loan for different websites through this app. You won’t regret it, just do it smartly!",5,New app is awesome and the concept is too!,
RuffxxKing,FALSE,6/8/2020 21:31,"I used affirm to buy a secret lab gaming chair I would have been able to pay with other means, but wanted to try affirm. They have a phenomenal and easy to use app and the ease of being able to finance things and have them for specific things are a great way to know what I’m paying for. Will definitely use again when I need it",5,Edge Lord Raf’s Review 11/10 would use again,
Coprovile,FALSE,1/25/2021 4:06,"Trying to use the savings account feature. I’ve managed to enter the amounts of small deposits sent to my bank and was verified. Still says “Needs Attention” when I try to add money. Every time I verify my account using codes either through email or text it tells me I’m all set, but it really isn’t. Just always said my bank account needs attention and will not allow me to add money to the account. Not sure what I’m doing wrong.",3,Issue after confirming bank account,
iehatrver,FALSE,3/11/2020 20:16,"I like the fact that they inform a customer of an upcoming payment to ensure you don’t miss it.  You can pay in advance and schedule for the due date in lieu of that date,  it is one less payment to remember .  Thank you affirm for  making my life a little easier.  I truly appreciate the efficiency that went into creating the app AFFIRM!!!!!!",5,One of the most user friendly apps,
Angiebear54321,FALSE,10/30/2018 4:27,"I just recently used Affirm, to buy some really high end sheets. I really like that it’s all up to you on how much you can afford to pay monthly, how much interest you’ll pay and that you can drag it out to 12 months if you want to. It’s a great option to have nice things or enjoy a fun trip without having to fork out a bunch of money up front. Thank you Affirm!",5,Fabulous option,
octoberbluemoon,FALSE,1/26/2019 1:09,"I have used Affirm for a few months and it has been great, until things kept getting declined because of their terms but not based on creditworthiness. Also the app won’t refresh for the pre approvals anymore and no one can answer as to why. When you ask any questions, it is as of the customer service employees don’t fully understand English and they don’t fully understand their own terms of service because they can’t provide clarification on ANYTHING. Not sure what has happened in the past few months with this bank...",1,"Used to work great, customer service is horrible",
SheaTeddy,FALSE,6/29/2018 12:39,"Relatively new to Affirm in terms of securing loans.  Successfully paid out the very first loan and now on my second round.  An absolutely wonderful buying experience using my available credit from Affirm.  So easy, convenient, and working out just fine for my family and me.  You give us added buying power which strengthens our customer dignity.  Thank you, Affirm.",5,Working For Me Just Fine!,
Russian Wolverine,FALSE,8/9/2018 0:13,"Great app, easy to use. I just started on my credit less than a year ago so this is all new to me. I got approved for some headers, not showing up on my credit however even though I paid them off.
 One last gripe it didn’t approve me through the app said it couldn’t verify me or something along those lines ... Applied through the vendor Boom approved! So go directly through the place you’re trying to pay off using Affirm.",4,Easy app,
Mrsgamerz,FALSE,9/22/2017 19:55,"I have used affirm for two loans so far for upgrading some household furniture and office needs. I was shocked at how easy the process was, within a matter of minutes I was approved and the app makes it so simple and easy to make payments or pay off debt quicker!! Will definitely be using Affirm again in the future and have already referred several family members. Love this app!!",5,Easiest loan program EVER!!,
Bellarosa2,FALSE,1/31/2020 22:46,"Your help screen is horrible, you find what you need you go out of it to find your ID and you can’t get back into it you have to go through the whole thing all over again, I’m disappointed
Once you’re given a card number, you write it down but when you enter it , says wrong you  so you put again,very frustrating!!!!!",5,Help,
NateMeadow,FALSE,11/24/2020 17:49,"Recently tried to purchase an item from Walmart. Everything was fine, until the next day they cancel the order because it’s no longer in stock. Understandable. I call affirm to ensure everything will be refunded, my name was put incorrectly on my profile. This stopped me from being able to apply for a second time. Was told I’d receive an email to verify my identification; however, I have yet to receive one. Without that email or further assistance I'm unable to use the app or even try to obtain anything from affirm. Definitely need more customer support options.",1,Disappointing,
ash4839/947/,FALSE,10/16/2020 7:25,"I have a savings account with Affirm, which it turns out is only accessible on their mobile app. The app has been completely unresponsive for a couple weeks, crashing immediately upon opening. In other words, I’m locked out of my own savings account.

Of course, I reached out to the Affirm customer service team for help. No response. Thankfully Apple support was more helpful, but they also couldn’t fix the problem. I’ll be moving my money out of this account as soon as I can access it. A very stressful experience — would give less than 1 star if I could.",1,Terrible experience,
DCUser7242,FALSE,7/5/2020 18:09,I don’t know why They can take your money on time but they can’t help you with customer service. I’ve had multiple billing issues thinking that there was something wrong with my card. I deleted it and then had to re-enter my car just to see if it will work and it went in fine payment was received. I tried getting in touch with customer service couldn’t find it. It’s very frustrating app to try and use. For the amount of money they’re making off of people you would think they would care about their customer service.,1,Frustrating,
itsjewlian,FALSE,1/9/2020 23:03,"I will update review if anything changes, but as of right now, Affirm made my SecretLab (gaming desk chair company) purchase way easy. I was going to purchase chair outright but decided on the no interest option and the whole process was fast and painless. Once I receive my chair and make my first (auto) payment, I’ll reevaluate my review. Hope to use affirm more in the future!",5,Super easy sign-up process!,
Ron005,FALSE,12/25/2019 3:34,"I have used this company several times now. They are awesome to do business with. They have a competitor, and I use to do all my business with the other company. 

Affirm now takes the front seat on priority!

I can shop at so many places, and the service I get is “First Class”, I have several credit cards, but this is my choice for payment whenever possible.",5,2 THUMBS UP AFFIRM,
eldjazair1,FALSE,10/21/2019 18:40,Hi I want just thank you for business we do with you guys I ask to pay one month before you give long story about because I’m leaving in trip I do honestly with you now you give me history of policy of it for month anyway I canceled thé second payment I’m gonna charge someone do it for me ok I want to let you know is my last business doing it with you guys I have nice days dino,5,Loan,
TheBroodingCorpse,FALSE,10/25/2019 3:37,"I heard about this app because of my sibling. I decided to give it a try. Everything was going smoothly as I was putting in my information, however, at one point, a message popped up saying i couldn’t be identified. Which was a bit confusing because I correctly put my information in. I tried several times after, even say apart, and the message kept coming up.

I emailed the company about it, and all they said was “we decided that your information was wrong, and we can’t identify you.” I was so annoyed I just uninstalled the app. 

Scroll past this app",1,don’t even bother downloading it,
bucwagh,FALSE,7/25/2019 13:48,"Affirm is the  BEST!! Credit company I have ever come across!! I love to shop and most times I don’t really have the cash for my shopping, so I turned to Affirm!!!!!! I am very grateful for that day in 2017 when I was referred to Affirm by Wayfair!! I have used Affirm many times in the last year and I will definitely continue to enjoy the benefits of using Affirm I wish I could give it more stars!!!!!! LOVE me my Affirm spending!!",5,Credit,
Industry Vet,FALSE,4/2/2019 23:45,I stumbled on Affirm a year ago when I was online checking the price of a dining room table I saw in a showroom. I was checking finance options with the company I was going to purchase from and somehow got connected with Affirm. I’m super happy I did. Credit in seconds. Have used them 6 times so far!  Pay off early to avoid some of the interest and it will be in your favor.,5,Easy peezy!,
NeasieM,FALSE,11/26/2018 20:46,I absolutely love everything about Affirm - I love the ease with which I can purchase products and/or pay for trips and it Really Is no hassle financing. I’ve done everything from take my husband on vacation to buying those dream electronics. And the payments are truly affordable. The APP just makes things better with the easy login and the great deals they always have available.,5,Love AFFIRM App,
anhktm,FALSE,11/20/2018 20:56,"The inability to view CVC for virtual cards after the card flashes momentarily makes it difficult to complete purchases.  

Also there are instructions for adding money to a card or cancelling a virtual card, but neither seem to be possible via the app.  

Love the service, but I can’t manage my purchase without these features.",5,"Love the service, the app has some challenges.",
smcshane,FALSE,9/28/2017 21:41,"Have taken out three loans with them now to purchase big ticket items. The approval process is easy, the app is easy to navigate, and it's so simplified that you don't have to stress about anything because they are very upfront. Have paid off all three loans but will still be keeping the app on my phone for future ease in purchases. Wonderful service.",5,Wonderful service,
the giz watch,FALSE,1/4/2020 4:23,Hey this company is the best all you have to do is pay on time and this company will take care of you’re needs or wants just don’t take advantage of the company and not pay or you will never get a loan again . Do the right thing and pay on time and they will be there for you in time of need . I love this company and all they have helped me with in my purchases.,5,Affirm is awesome,
PrimroseM,FALSE,3/31/2020 4:38,"I was super happy with this app, but now, super disappointed! I’ve have used this for over $1000 worth of purchases, was never late, usually paid it off early, and now my total is $0. But this thing is saying that I’m getting denied because of my income, when I for sure know what I make and how much I can afford each month. There is no reason that I should be getting denied now. Funny thing is this happed right after I paid off 2 of my loans almost 6 months in advance! I guess if you use Affirm... don’t be surprised if it stops working for you out of the blue.",1,"Paid off loans, and now getting denied!",
Ala Mode76,FALSE,12/8/2019 20:42,Never heard of these guys or such a service before. I thought I’d give it a try with Eddie Bauer. I’m very impressed. I had 30 days before my first of 3 payments was drafted. Affirm texted me 48hrs before my payment was drafted just as a reminder. My first payment got drafted this afternoon and then a text confirmation came. Overall this is a great service and will make occasional large purchases manageable.,5,Easy Peasy,
vzwforlife,FALSE,8/1/2019 11:48,"Although this app works great, and it’s fairly simple to use, it has declined me after having it for over two years and says it can’t verify the information they have on file. They have never asked for me to verify any additional information since I got the app. Kind of disappointing when you want to make a larger purchase.",5,Easy to use.,
roper19,FALSE,5/20/2019 0:28,I scheduled a payment 3 times as much as what was scheduled to be paid and set it to pay two days early and your system acted like I did not schedule payment and wanted me to make a payment again on the 22nd. Need to do a better job of programming it should have know about the payment is scheduled on the 20th was to cover the payment due in the 22nd.,5,Payment issues,
Oso Feliz,FALSE,5/30/2019 22:31,"They make it very difficult to manage your own funds using Autopay to pay from your own account instead of using their Autopay to deduct from your account. The app is nice to see the balance and the upcoming payments, but the payment methods they insist on are unacceptable. I sent a check to arrive early, but for some reason they are not processing it. In order to avoid late charges, and God only knows what other charges, I had to make a second first payment on line.",3,Hugely inflexible,
China0030,FALSE,4/7/2019 12:20,"I Love using Affirm. You never have to guess how much your monthly payments are going to be. Everything is shown to you & you decide whether to pay it back in 12 months, 18 months etc. They only charge small amounts of interest. Very simple to use. The only drawback is you can’t use this everywhere yet. But I definitely see Affirm going mainstream.",5,Low monthly installments,
Hightimesshawty,FALSE,3/5/2019 13:45,"I love Affirm! I’ve been hooked on using the service since I tried it out back around Christmas time last year. I can always get things I want that in the past I would have to save up for, but with Affirm I can obtain these things now and pay it off effortlessly over time. Using Affirm is super easy, I highly recommend this service to everyone.",5,I Love This Service!!,
mkeok,FALSE,2/17/2019 1:48,Affirm has given me freedom to make purchases over time without interest (disclaimer: not always the case based on credit worthiness and offers). No APR allows my money to work for me while making purchases I would have shelled out for anyway. The virtual card for online stores that are not yet affiliated is simple and easy to use. The idea for this is brilliant,5,Great service,
A.Wydecki,FALSE,12/12/2018 23:29,"Affirm is absolutely amazing and gives me the opportunity to explore the world while paying for my trips monthly and I work super hard and it’s great that a company like Affirm allows you the opportunity to pay back your vacation and other things you work hard for monthly. It’s quick easy and honestly the best place to get a loan for things you want, simply the best!",5,Amazing,
Free my Credit Cards,TRUE,12/4/2018 2:45,"Love using this method of payment for my online orders. It allows me not to use my MasterCard and Visa cards that are paid off. 

Payments back to Affirm can be made at anytime and or pay off earlier to avoid interest.

Now, I was denied to use this service. I paid off both loans before their first payments due. And it just declined. So now I have to use my Visa Card.",5,Free my credit cards.      Declined Me 26 May 18,"{'id': 3688743, 'body': ""We're sorry to hear about your recent experience. We're happy to answer any questions you may have about Affirm or your account. Please feel free to contact us directly at help@affirm.com"", 'modified': '2018-06-01T20:39:29Z'}"
Jddoyle3,FALSE,10/15/2018 19:40,"This app and process is simple to set-up, easy to use, and with a 0% interest (on a lot of purchasing options) it’s the answer for you to buy what you want or need now without having to pay the total cost at the point of sale. Smart way for those that are smart with how they allocate their budgets on a month-to-month.",5,Affirm Comes Highly-Recommended!,
skrzypekgreg,FALSE,9/26/2018 23:37,"Affirm is an amazing company. I have used them several times now for purchases and their no nonsense terms combined with minimal interest rates and truly easy credit pre-qualification process makes this company one of the best in my eyes. You can literally purchase anything online with their virtual credit card after you qualify for your loan. Simply put, Affirm puts other lenders to shame!",5,Awesome company,
iHenry's ,FALSE,8/20/2018 2:12,"Affirm provides easy purchase options to shop from almost every retail and online store, the best brand names and other services, with simple options of payments and payment plans regardless of credit. Very happy with our first big purchase and how easy the process has been. Thumbs up👍",5,Affirm provides an amazing service with easy payment plans,
ThatTacoJuan,FALSE,5/12/2018 14:02,I love this app and how it tells me how much I owe and when the payments are due and how you can borrow money at anytime. Also love the fact that if something comes up and I can't pay exactly at the date I can wait a little to pay and they won't charge a late fee. Just don't overuse that or they can probably take that away.,5,Always know what I owe and can easily keep track!,
socaljones,FALSE,1/19/2020 17:34,"Affirm is the modern approach to truthful financing. They have lots of no interest promotions, but even if you do pay interest on your purchase it’s not compounded interest like the credit cards. They tell you exactly how much your financing will cost you, and they encourage you to pay it off faster.  It’s a great company and I love doing business with them.",5,Fantastic payment options,
Dewyou55,FALSE,1/1/2020 17:18,"Great app that gives you a, what I would say is a reasonable credit line or “loan” without hurting your credit and no penalties (Pay on time!)... plus you can pay early without getting hit with any fees. Plus the amount of shops/stores that use affirm make it even better when I need something soon. Plus it’s really easy to set up. I wish I used this sooner!!",5,Awesome,
Likatsplit69,FALSE,9/3/2019 22:02,"The app makes it easy to set up an account and make payments on just about anything. I have purchased an iPad, iPhone, a MacBook and even a large rug all through Affirm. Don’t wait on purchasing something today, check it out and once you have paid off an order it reflects positive on your credit report!",5,Ease of app and shopping online,
Favian Ares,FALSE,2/10/2019 16:05,"Approved instantly for your loan! Buy Christmas presents, valentines gifts, or even spoil yourself and pay month to month. Loans for 12 months are even possible so that you can have a low monthly payment! I’ve used this app multiple times and have had not a single problem or a single regret. Thank you affirm for making my loan experience easier.",5,Best loan company out there!,
Dezzcarter man,FALSE,7/19/2019 18:13,Its been a day and this team has not responded to very important emails that I have sent them. Mind you they have no contact number so you're just left hurdling email after email trying to hear something back from what seems to be nothing but bots. With this sensitive of a process I dont want that. Theres so many things that could go wrong and they do their best to leave customers in confusion.,4,They dont talk..,
tinamarie1963,FALSE,2/2/2019 14:33,I applied to use affirm they withdrew everything out of my bank account. I’ve used this before that did not happen. I’m a nervous wreck since I don’t get paid again for two weeks. I’m not satisfied with this business tactic than almost the entire amount of that purchase was canceled yesterday at the time of purchase.,5,Unsatisfied business transaction,
Rjdubb22,FALSE,9/2/2018 12:33,"I love affirm! I started a new job and I needed a new laptop to do most of my work but my job wouldn’t finance anything to me for the first 6 months. In comes affirm while I’m doing some shopping for good cheap computers online, with great choices. Great payment plans and an easy to use app. I hate paying the high interest but hey with the payments so low you barely notice.",5,Best way to get what you want/need!,
wiggz70,FALSE,1/13/2018 9:24,I used affirm a few times already...all payments on time and even paid off early. I tried to use them again and was denied because I couldn’t prove my identity. Your kidding me!!!...How was my identity proved the other times. I read in another review this happened to someone else also. No hard feeling just kind of crazy to me.,5,You get approved a few times then denied.,"{'id': 2321738, 'body': 'We are sorry to hear about your recent experience. Please contact us at help@affirm so that we can look into this for you.', 'modified': '2018-01-17T03:57:06Z'}"
Gstrcklnd,FALSE,2/11/2020 22:25,Affirm is amazing! I had never heard of it until just before Christmas and wanted to buy my grandson a present from a certain website that didn’t offer credit and I had already went over my spending limit on cash. And there was affirm offering to let me get it on credit and make monthly payments . I’m so happy I found them.,5,Affirm is amazing,
AlexFencer,FALSE,3/3/2021 1:52,"Keep getting the stupid message that my “identity couldn’t be verified” which is absolutely ridiculous because I followed up with their useless and clueless customer service THREE times and verifying that all my information on file, starting with SSN and ending with mailing address was ABSOLUTELY CORRECT. They were absolutely incompetent, irresponsible and incapable of resolving  the issue so every time I called I asked to escalate the matter to their technical support team which they claimed they did. A month has passed, the issue still persists, apparently nothing was done. 
Stay away at all costs.",1,Absolute piece of garbage,
E. New Jersey,FALSE,3/19/2019 2:20,"This app is the best especially when you don’t have the funds in full to purchase what you want, or have the full amount this app sure does help where they lend you the money and then you can make payment arrangements monthly that’s affordable to pay the loan back. All you need is decent credit and they will approve you safe quick and easy.",5,Awesome!,
alignyourchi,FALSE,7/4/2019 6:07,"In the past four months I have been paying for this mattress, I have been literally able to sleep on it for three months. I have not been able to sleep on this mattress for four nights. I have resulted to sleeping on the floor or my couch. DO NOT BUY THIS GARBAGE. I hope to get my refund without any hassle like was promised. Considering the quality of this mattress, I am holding my breath. Restlessly I can assure the Internet I will be keep up to date posts throughout this journey, and hope to be refunded hassle free. If their customer service is anything like their product, I expect to be left sleepless and dissatisfied.",1,Terrible,
steve04122,FALSE,4/16/2019 20:37,"A customer who has made all payments on time and has had 9 previous loans with Affirm (all paid off and paid off early) isn’t able to get another....??? I thought Affirm was awesome until today when my “credit doesn’t rank high enough.” It was plenty high enough for 9 other loans and has since gone up. Planned to be a loyal customer but clearly they don’t want my business now. Perhaps because they are getting bigger and now have no loyalty to the customers that helped them get bigger? Idk. Awful way to do business, not a way to promote growth and horrid way to retain customers.",1,Unreal,
Latinn.Chick,FALSE,3/9/2019 16:49,I have suggested this to ALL my friends and family. This is probably the best company out right now with the Reverse Lay-way concept. I’ve tried a couple and I have been using this for over a year and have had absolutely no issues. I will use them for a long time. Hands down won’t regret using this if you were exploring your options,5,Love this APP!!,
Ashleigh_taylor153,FALSE,1/30/2019 0:20,Affirm is the most amazing loan app! I can pay my payments whenever I want and whatever amount I want without any fees and it’s so easy! They really make this as quick and as easy as possible. They also allow you to loan on a ‘virtual credit card’ so you can use the money anywhere and not just the places they specifically offer. I love Affirm!!,5,Absolutely amazing!!!!,
Mooique,FALSE,8/30/2018 16:20,I love this app! Discovered Affirm last year when buying a new table set & couldn't swing the whole payment upfront. They helped me out & made life easy with small payments. Since then I've taken out other loans with them. I like having the 3 choices of what's comfortable for me to pay. Thanks for making life a little easier. No problems with the app whatsoever.,5,Made me a believer!,
Instiller,FALSE,8/1/2018 17:08,"Have a couple thru affirm. Great so far. Love the month deferred and payment breakdown. My only negative experience has been if i overpay any months payment it is applied towards the last months payment and not next. That’s how it works with credit cards, but it just felt a little different for some reason through the app. Lesson learned and still 5 stars.",5,Great so far.,
7.36637E+29,FALSE,3/9/2021 8:10,I’ve made a few purchases from them and I was approved instantly. Great service!!! App is very reliable. Way to easy to make your monthly payments and the send me a friendly reminder via SMS 3 days before my due date that way I can pay on time. Thank you Max and all team behind Affirm. A great pleasure doing business with you!!!,5,Never disappointed,
kbailard,FALSE,5/31/2021 20:50,My email and phone needed to be changed. Without these you can’t get into your account. And to update one you need the other. Affirm’s mobile app and website make it impossible to find an actual number to reach someone. In addition they don’t have this issue listed as one of their topics. A customer shouldn’t have to search the internet to find contact info for a company their doing business with... especially one that’s charging such a high interest rate. Why not the transparency of contact info where it’s easily accessible?,1,No Access To A Live Person,
Occaional user,FALSE,12/17/2020 14:35,I use this this app for quick access and to get something I actually need more than want. It’s helped build up my credit score which is great. I usually pay off everything before the end to save interest but it helps when I’m between pay periods and I or my family needs something,5,Great app for term payments,
Howie49,FALSE,4/1/2020 13:18,"I’m fairly intelligent and tech-savvy and I have to say that this is one of the worst, most awkward, most counter-intuitive Apps I’ve ever had the displeasure of using. But not only that...the entire process of signing up for AutoPay has been painful, from constant “Oops, something went wrong” messages to “Try Again” Its unfortunate that a great company/product likePeloton utilizes you.",5,Terrible,
ZayZay318,FALSE,4/19/2020 14:27,"I used to love Affirm a few years ago. But their algorithm for pre-qualification is like a child’s toy. I’ve done countless loans and always paid them back on time and even when I have a great credit score I get worse amounts than when it worse. You’ve also declined my husband 3 times saying you can verify his identity? He just applied to a student loan a few months ago and they could identify him using all the same info? I paid all of my loans off and deleted the app. You guys lost my business. Spent over 3,000 on loans with you guys. So sad you made me have to leave...",1,Service Went Downhill,
jim 197046nh,FALSE,2/17/2020 13:15,"Ive been using Afirm for about a year now. Im on my 4th or 5th loan and never had any problems. I have paid on time and never let my loan go to the end.
For a person who had a 530 credit score a year ago and now i have a 720 and climbing score it was great. It takes time to rebuild your credit and this company can help if you use it right.",5,Good program,
Manuel Villa,FALSE,1/17/2020 8:53,"Simple app that is functional and provides instant credit approvals with easy to meet payment plans for all major brands from the ease of your phone with out having to deal with store associates and credit checks etc .

This is the one stop shop that meets and exceeds my needs for what I’d like to purchase and repay monthly or in one shot.

Thank you!!!",5,Ease of use....,
jstrub50,FALSE,12/8/2019 13:25,Affirm has been a blessing for me since I came upon them a few months ago.  I had lost everything in a bad relationship and Affirm was able to hook me up with the funds I needed to get things for my own place and start over again.  Reasonable rate and payments.  Thank you Affirm for always being there!! Highly recommend!!,5,Starting over,
btiiiprice,FALSE,10/7/2019 20:55,The customer service with this company was great made my first two payments on time third payment I was a few days behind because my contract had not paid yet. They called me and asked if everything was all right. Got paid paid them. Hope to use at many more times in the future.,5,Great company has great customer service.,
Kyle.4.G,FALSE,9/22/2019 4:52,"Downloaded Affirm for my first loan, very easy to use and will definitely keep for future loans. You also get Email’s or text messages a few days in advance to remind you of your upcoming payment. You can also open the app and make a payment of any amount you would like. 10/10 would recommend!!",5,Very simple and easy to use,
Soapy nop,FALSE,8/7/2019 20:47,"Three years ago my wife,and I had to relocate due to a major storm that totaled our apartment complex. We did not have renters insurance, and lost everything. Somehow, I accidentally found Affirm a month later after living in different hoteIs until our new apartment was ready. We went from a deflating air mattress (cats) to buying our new for mattress. We were happy. Affirm is awesome.",5,I love it!,
LovinItForSure,FALSE,3/28/2019 0:08,"If you have to keep track of an account balance, make monthly payments on different loans, etc., I cannot imagine a better designed app than this. It works every time. The information is always current and available. The app does exactly what they say it does. Cannot ask for more.",5,Simple. Efficient. Easy to use. Just right.,
Raybobfa18,FALSE,1/20/2019 17:25,What a great services I have used it about 5 times and the total experience has been very easy to use and to pay with the interest be well in line with the products and services you are buying. Payoff is easy and customer services is outstanding. Will use over and over again for the ease and value of the service,5,The Best Services Ever,
jkwilson93,FALSE,11/22/2018 9:16,"Love Affirm! Found out about the service through doing payment plans for Kaaboo music festival. Affirm has allowed me to be able to attend the last two years, making affordable monthly payments for the cost of tickets. You can also borrow money for any big purchases you’d like to complete. They give you a virtual card to use. Really cool! Great app and great service",5,Works great!,
TeamRalliart,FALSE,5/25/2018 12:42,"Ever since I started with affirm I’ve had nothing but great experiences. From processing new loans to closing out old ones, the process is a breeze. The app is very simple and straight to the basics. Quick easy login with facial recognition, loan estimates are quick and pretty accurate. Overall Affirm has been a pleasure to work with and I’ll continue to finance through them.",5,Great app for a great company,
PVABYJ32,FALSE,5/15/2021 4:49,"I was able to get the printer I needed at the same time as my computer, which I wouldn’t normally have been able to do!😍🤓 so I’m glad about that.  As far as Affirm goes… we’ll I believe in doing real truthful reviews so I’ll have to give it some more time until I know really for sure… so I’ll have to keep you updated on that part!",5,So far so good!💕,
Spyrow424,FALSE,5/25/2021 11:14,"You have to register EVERY TIME YOU OPEN THE APP! I have an account. I have to pay on these accounts. I go to login and I have to register as if it was my first time accessing this application. Started when they revamped the app. This is not a 2FA issue. I have 2FA and FaceID enabled. This is a complete what is your telephone number, fill out this form, verify your device, register your account situation. FIX IT! Or I will pay off my accounts and never use this again. With an app like this it’s no wonder your stock is down 40%! 

-Angry client & shareholder!",2,New App is TRASH!,
evey420,FALSE,3/28/2021 20:13,So with this app I have been able to make bigger purchases that I need and usually wouldn’t be able to finance right away.. super awesome I can have what I want and pay it off no interest or hidden fees I’ve payed multiple purchases off already and now paying for my iPhone 12 Pro Max & air pods pro !!! So cool!,5,So convenient and definitely a luxury to have!!,
Pi***doff!,FALSE,4/7/2021 21:28,Customer service is the worst I’ve ever dealt with. Trying to talk to a representative is nearly impossible. Trying to pay down my loan and manage my account is very frustrating as well as impossible. Tried logging on to their website and got redirected away. It took me two days last time and found myself talking to a nice lady who was working from home. Once I get this account closed I will NEVER use them again. Any company that values costumer service so little will not be supported by me anymore. I will be sure to spread the word online in every way I can.,1,Customer service,
pattyluvs,FALSE,10/15/2020 18:55,I have had a firm for quite a while now I’ve had 10 accounts that I paid off all on time and early and yet now it says that I’m claiming bankruptcy so I can’t get any more credit I have not filed for bankruptcy so I don’t know who’s doing your paperwork but you’re missing out on another person to buy stuff from you.,5,Disappointed,
Q..H.,FALSE,8/1/2020 15:51,"I’ve used them to make major purchases whenever I want something NOW. It’s super simple and easy to understand . You make your monthly payments as they’re clearly outlined and that’s it. You can choose between 3,6, or 12 months. Shorter agreement higher payments but less interest and same of the opposite . I live affirm man.",5,Quick and easy,
ironman orion,FALSE,4/21/2020 8:10,I have used Affirm twice now.  The ability to break my purchase into small installments has given me the ability to maximize my purchasing power.  I would recommend this to anyone that is looking to purchase an item and not trying to pull all the money out of your bank account all at once.,5,A budgeting dream,
Manhattansasha,FALSE,5/5/2020 2:42,"What seems like an easy to get 
Free credit for a year  can turn into a nightmare and jeopardize your credit. I made 1 purchase 
But someone was able to hack my account and is enjoying $4000 worth of purchases.  Affirm was notified of the fraudulent purchases immediately before they had gone through and yet could not stop the purchases - I was told I would not be charged - there customer service is useless. They could provide no explanation and would not put me through to their fraud department.  What seems like a good deal 
Is truly awful. Stay away",1,Affirm is not secure - Beware,
EmpressAyMani,FALSE,3/3/2020 2:52,I have been telling my family about affirm & they are all slowly downloading the app. Stop asking to borrow money & creating unnecessary credit card debt. Crazy how the interest is lower than my CREDIT CARDS! I will not be canceling this anytime soon. Also my job is out of state & I do not have to worry about missing a bill everything is on my phone.,5,Love it,
JP-Smart kid,FALSE,5/9/2019 12:27,"Before I thought that a credit card was the only option for a quick purchase on credit to keep some cash flow, affirm provide the best option to reduce your debt, you get only the money that you need at zero or very low rate, then you pay it faster with fix payments.
I just love it as a way to get my debt low",5,Perfect alternative,
Crop Guy,FALSE,12/4/2018 13:56,"After buying two mattresses, a office desk, and a set of tires I cannot complain. This company and the app gives me flexibility when my emergency cash is depleted, I have bought and paid for these items over time on a set schedule I couldn’t be more happy if the freedom it gives to have access to this cash when the need arises. Keep up the good work crew.",5,Amazing,
Satisfied Tony,FALSE,7/17/2018 18:42,"I don’t have a lot of money but I am a recording artists. I engineer all my own material so I need the BEST equipment. I can’t always just purchase thousands of $$ of equipment but I can buy what I want over time. I purchase, get my equipment before I ever send in my first payment. This is the best program because I can pay how and when I want. NEVER EXPERIENCED THIS BEFORE BUT ITS MAKING MY DREAMS COME TRUE. Hope to see this option EVERYWHERE",5,WHAT A APP,
Tomik2406,FALSE,6/21/2018 20:25,I recommend using “AFFIRM” to anyone that wants or needs to make a purchase with the option given to apply for a Loan with “AFFIRM” that allows you to pay payments on the total amount needed to complete your purchase. AFFIRMS approval process is quick & easy & AFFIRMS MOBILE APP provides you with everything that you need to manage your AFFIRM account at your fingertips!:),5,Satisfied Affirm Customer:),
Carstng,FALSE,11/24/2017 19:48,Affirm although a relatively new biller they have a really great payment plan for all the shoppers who use it I did and saved a bundle on repayment because I paid it off. Before the time I took to pay it and I have found that they have very easy pay plan that you can choose from well worth it if you can use it i recommend it highly,5,Best on line biller,
Roman Was Here,FALSE,11/23/2017 5:30,"Affirm has been a complete game changer for me. I’ve been trying to lay off the credit card use since my score was starting to drop as I️ was above utilization, but, with affirm I’m able to make more purchases without effecting my credit score— which has been going up as I’m able to pay down the balances now AND still get what I️ want.",5,Game changer,
nnc88,FALSE,11/22/2017 0:53,"This app is easy and simple to use. Affirm is a great loan company in which I was able to purchase a great new mattress and a bed frame to go with it. They provide 3 payment options (3, 6, or 12 month set up); I am actually getting ready to fully pay off one of the loans early because of this. Thank you Affirm for making shopping affordable and easy to pay off.",5,I Love Affirm!,
MikeCisneros,FALSE,4/29/2021 13:50,"Getting the loan was fast and easy , then the app to send payments was easy as well ! All the way around I enjoyed having them as part of my transaction and I will definitely keep on using them for more purchases knowing this was easy fast and again the app is sooo user friendly to keep track of payments.",5,I love affirm,
dmul111,FALSE,3/26/2021 3:23,The best app to use when making big purchases. The pay over time is a great feature and it does not give you any headaches making more simpler payments as long you meet the payments deadline. I have used affirm 2x already with no major issues. The pay over time allows you to select your payments duration.,5,Affirm app,
HH#1KH,FALSE,3/17/2021 23:38,"I think this is a wonderful way of finding out how you like the product.  While still paying on the product so therefore, if anything goes wrong with your product. One can text/email/contact affirm & have the issue handled before you make your next payment. So everyone is a satisfied consumer!!!",5,The Hair Shop,
1noble,FALSE,3/4/2021 11:49,"Affirm has been a great way for me to establish credit through  various business. I don’t have to have a card for each store or business. 
The payment options are great and early payments are accepted without hassle.
This is a great way to shop, just be mindful to stay within your budget.
I am very happy with my experience.",5,No hassle,
0225jlj,FALSE,8/13/2020 1:36,"I love how depending on the purchase you can decide how long you want to pay on it. Also, how depending on your history and credibility you might have more to shop with even if you don’t need it. The app is so easy to use and I love it and having the option to see when things have been updated/approved is right there",5,Simple,
Ceto8oy,FALSE,6/10/2020 4:52,"I’ve been a loyal customer going on 2 years. Affirm has been very flexible with affording me some lending power due to my already high credit utilization. Its been easy keeping up with payments. No surprise charges or hassles so far and I’ve already purchased over 3,000 dollars worth of products and services. Highly recommend.",5,Affirm has been Godsend,
HitmanSlay,FALSE,2/24/2020 6:12,"Incredible idea to make these loans on the fly! You can literally finance anything out there and little to no questions do they ask you about it. As long as you pay it off and do the right thing, you can continue to finance more purchases. I absolutely love this app and honestly wish more people knew about it!!!",5,Best idea out there was Affirm,
Jeffrey A Kennedy,FALSE,9/26/2019 14:42,I love buying car parts and this app makes it so easy to buy the expensive parts and pay it off when you like. Set the pay dates and the amounts based on a few options. I enjoy using this as an option to afford what I love to do. Would highly recommend!,5,Easy way to get what you want and afford it how you can.,
Swissmissme,FALSE,7/20/2019 2:13,"I have bought 2 Mattress never missing payments and now have a 0 Balance ~using this new method of borrowing.  I recently downloaded the app and I am pleased~
I am looking to buy Batteries and a charger for my Wheelchair. Having MS gives a person more on their mind than Cole Hahn shoes I am Not a walking person but use a wheelchair to get places. I hope you allow batteries and chargers.
Kindest regards,
Laura M Frick",5,MS Laura Frick,
SportyV,FALSE,7/17/2019 23:16,"I’ve used Affirm several times for purchases that I might not have otherwise been able to with significant finance charges. It’s quick, easy to use, easy to manage payments, and customer service is fast and efficient. Will continue to use again and again when needed.",5,Great Back Up Option,
GQ2004,FALSE,4/15/2019 23:03,"I started out with affirm and as you pay ON TIME, they continually raise your credit limit, without needing to ask for it. Each time the increase, there are absolutely no hits on your credit report. Very happy, even after improving my credit score, purchased a house and two vehicles and I still use affirm.",5,Easy to work with,
Fshnrdy,FALSE,2/23/2019 14:27,"Affirm is quick and easy to use. No prepayment penalties so you can pay off what you owe as soon as possible or with the monthly payments. Payoff is just as easy. No need to sit on the phone, request a payoff online. Click on the app, see your full balance and pay. I enjoy using the app on stores I’ve never heard of.",5,Great option for online shopping!,
Nick Alan,FALSE,2/28/2019 4:21,"I am very disappointed with the affirm lending policies. I have made all of my payments on time and even paid off two loans completely. I had a remaining approved balance of over $166 and I paid off another loan in full. A few days later I was required to check my credit score again even though I have a perfect track record with affirm. 

I thought that by paying off loans my approved amount might increase as it does with regular creditors. But no, I was not approved and my remaining pre-approved balance just disappeared. 

It's very insulting that good standing and exemplary payment history means absolutely nothing to this company. If I am a good customer, and affirm doesn't even report to credit agencies to help someone's credit, then why am I being penalized and forced to check my credit repeatedly?

This company seriously needs to reevaluate how it operates. It does not value its customers.",1,Ultimately Disappointed,
BuddyCole1,FALSE,12/6/2018 23:44,Hassle free easy money and payment plans if you have a problem called customer service and they take care of whatever you need to take care of and walk  you through whatever is going with your account. I think this is a wonderful safe app for people with everything to offer. so try and enjoy happy holidays☃️,5,The Best,
Karen Bass,FALSE,8/16/2018 14:51,"I love Affirm. They gave me a chance after bankruptcy when other would not. Bad things happen to good people sometimes and they understand that. I’ve recently paid off my first account with them and nearing payoff On the second one. I’ve never had any issues with them, customer service, or the app. I’d highly recommend. Thanks Affirm. You Rock!",5,Affirm Rocks! Great app,
jennay_knows,FALSE,6/14/2018 15:33,"I have used Affirm for over a year now. Using a virtual card number that is different with every purchase, is very comforting. Online or in store purchases are a breeze and payments are even easy and convenient. I especially like that you can pay off your balance at any time, without penalty and save on interest.",5,Excellent Safe  Virtual Option,
Rjk [Kasam Cas Fuerte],FALSE,5/18/2018 14:05,"I honestly love this app.  It’s the new and safe way of shopping online.  They work with almost every major retailer.  I feel safe using Affirm because you get a virtual card that expires after use for the loan, and they set your payments for you to pay on a monthly basis.  This app is genius! I get reminders when my payment is nearing, and this app is very helpful too",5,Amazing!,
Ann Ison,FALSE,6/6/2021 18:50,"I have been using affirm for years, Affirm has made my life so much easier. I have taken my family on a trip to Florida, got my grandkids Christmas, tv, and games for my kids. If it wasn’t firm Affirm I would not have been able to do these things. You make the payments you can afford and that’s what I need with 13 grandchildren. 

Thanks Affirm",5,Always on Time,
TCC59*,FALSE,3/11/2021 11:33,"I ran across Affirm when I was looking for additions to my truck. They offer easy payment plans that worked with my budget, however, I decided to pay off my debt early. If your looking for a short break to allow you time to pay, this is the path. I recommend Affirm and will use them again.",5,Easy to do,
phoenix6284926,FALSE,1/31/2020 15:56,"Affirm makes everything really easy. From making purchases to making my payments. Everything is quick and easy to use. Although they approve me for a certain amount, I have been allowed to spend more that the allowed amount on certain purchases. This is my go to :)",5,My Favorite,
this nick name is taken 202001,TRUE,2/12/2021 13:18,It does not work fine bow flex with the firm because what happens is bow flex hits the credit card to make sure the amounts there and then when they’re ready to ship they hit the credit card again for the payment and the second time it does not go through well here’s the problem with the firm zero customer support to get somebody to talk to you to fix it in there fix it out doesn’t help very much so shame on you affirm,3,Do buy Bowflex with affirm,"{'id': 21010330, 'body': 'Oh no! Any specific incident we can look into for you? Let us know by reaching out to our team directly at (855) 423-3729.', 'modified': '2021-02-12T03:18:23Z'}"
MommieJohnson,FALSE,1/2/2020 5:14,"Amazing! I discovered Affirm a little over a year ago and have used them for furniture, travel and other minor needs just to build and sustain my credit. I’m on my 9th loan with them and they have a customer for life. Many of the loans I paid off well before the due date with no penalties!  Just really good to have this relationship with Affirm! Thank you!",5,Wow!!!!,
babygirl24billy,FALSE,1/2/2020 0:33,Just wish once you have paid three huge loans in a year I could get credit again only had one late payment on one out of three different loans I revived due to a death in my family and many  months I made double or triple payments ! Hope you reconsider my Loan decisions have spread the word what a great company you have been,5,From Melissa Hurd,
waiddog,FALSE,12/7/2019 18:06,"I was in need of some truck parts and couldn’t afford the entire lot I needed. Affirm made it possible to purchase all of the parts I needed and I was able to get my truck back on the road. I have since purchased about eight different items and will say. This app has made it easy to get the things you want/need. 
Thank you Affirm",5,Awesome app,
dreamedls,FALSE,11/13/2019 19:25,"This company has allowed me to furnish an entire 4200sq ft home! I’m still working on it, but so so easy now with Affirm! The coolest part are that you get to pick your payment options (unlike any other company!) They let you chose from 3 different payment plans. I just downloaded the app and I don’t expect any different! I highly recommend Affirm!",5,Affirmative!,
BABYSNEAKERHEAD819,FALSE,7/29/2019 19:58,I’m so glad affirm is available. I’m buying things I’d never been able to buy. I love the payment plan. The customer service was awesome when I had an issue and they kept emailing me making sure everything was getting taken care of. Thank you that. I will be using Affirm over again. I can’t wait til other stores catch on.,5,Loving it,
FIR NA TINE 69,FALSE,7/4/2019 15:25,I was shocked how easy it was to purchase using affirm. Although it does show up in your credit report it dose not affect the over all score. The app is great and user friendly. I plan on using affirm for any big purchase in the future. We love our new mattress and loved the easy and low payment plan.  No complaints. Good job affirm.,5,Surprised how easy and great this works,
Fam8there,FALSE,3/2/2019 22:58,"Used this for the first time When it was available to use for a hotel room.  Was nice to be able to break up payments over time. No hidden costs, simple details laid out plain and simple what it will cost you. No late fees! No penalty for paying early, rather, you actually pay less! Planning to use for home improvements.",5,Easy!,
gotsonic,FALSE,2/22/2019 5:37,"I have been using this app for awhile now with about 3 loans done. Great way to make some extra purchases without having to use my credit cards. 

I tend to use affirm to buy myself a little extra something every once in awhile.

Highly recommend, especially for those trying to build their credit.",5,Great App!! Love it,
Tilly41n,FALSE,1/23/2019 14:50,Affirm is there when you need them!! They are fast and right on time! I have used them twice so far to pay for travel. They give you options for payment amount as well as how long you want to keep the loan for. I appreciate the ability to see my account online and make payments via the app as well.,5,Awesomeness!,
crytptic_mystic,FALSE,8/24/2018 18:40,I have been using affirm for about three years now and it is hands-down one of the most easiest and well thought out applications out there and you see more and more companies going towards affirm making bigger and and higher end products more easily available to the general consumer.,5,Quick & Easy,
getemdanny,FALSE,7/27/2018 20:30,"Pretty awesome. Basically like having an extra credit that isn’t crazy with interest. If you don’t get paid til next week and really want something or don’t have the money for a bigger purchase at the moment, then this is a great option. The options for monthly payments are great. Never been late; so, I don’t know how that goes about.",5,Love it,
carpatches,FALSE,11/29/2020 7:23,"I love the app, it’s very easy to use and paying in four payments fits into my budget well.  But I have one problem, I don’t know how to set up the saving money sent from my checking account. I would love to do this but I need help to set it up. I will try to call and get customer service to walk me through it.",5,Saving money with affirm,
Kgee!!,FALSE,5/1/2020 11:11,"I’ve been using this for 5yrs now and I’ve built a trust with this company. And especially now due to our current times.
My necessities that are essential I use this to fulfill. And they always come through 
Thank you affirm for your belief in me.
I recommend this app for monthly living if you’re able to maintain.. Peace..",5,The best thing since cooked food !!!!,
WendyBird1988,FALSE,3/2/2020 21:59,"They make it easy to qualify for the terms of the loan. It was small amount that I set up on auto pay.  Nice customer service!

I tried it again when my husband needed new tires for his truck! (Have you priced a set of tires for a 4x4? They aren’t cheap!) so they set me up with a payment plan I can maintain! And I paid it off early!!",5,So easy to pay for my new vacuum!,
Gale😘😘😘😘,FALSE,2/21/2020 17:46,I’ve been trying to get my affirm account fixed for 2 months regarding a temporary refund from Walmart. Each time they asked for the same information and I haven’t gotten anywhere with them. I’m still making payments on time but my account haven’t got adjusted. I’ll never use Affirm again going thru Walmart.,5,Refund Problem,
Nikki ipad,FALSE,12/5/2019 14:04,"Affirm is a wonderful option to buy big ticket items, but not all at once. It allows you the freedom to buy now pay later in installments. I also love that it gives you 3 different time frames to choose from to make payments. 3,6,12 months. Unlike other plans you can pay in full anytime! Thanks Affirm.",5,Mom to the rescue!,
Tylervil11,FALSE,1/20/2020 16:02,"This app is awesome, does what it says, no hidden fees and you know what interest your paying up front which is cool and very transparent, the only downfall I would say is that every time I’ve personally used it to shop after the last payment there would be a .50 balance in which it wouldn’t let me pay because it was too little, that’s the only complaint I have",4,Convenient,
dcidoni71,FALSE,8/26/2019 22:55,"This is the easiest and possibly the best way to purchase those cool tech and gadgets you’ve been eyeballing for awhile. The terms are straight forward and the 3,6 or 12 month installment plans work well. It’s also keeps that credit card debt ratio low. Bonus! 

I’ve had a great experience so far using Affirm and hope to have many more:)",5,Best Thing Ever!!!,
Lisa1372,FALSE,6/7/2019 10:47,"This is the best thing since sliced bread!   Shopping has never been easier.  The options you have to pay is what makes it so convenient and you can customize to what works best for you.  I have used it three times so far and I recommend to everyone.  Andddd, it reports to your credit so that is a plus!   Awesome!!!",5,Shopping with Affirm,
Kittie4,FALSE,8/2/2019 22:55,"Two days after receiving vacuum, I tried to use and it wouldn't work. Shark Customer Service told me I was lying and would not let me return. They also would no repair at my cost. I took to local vacuum repair shop who said it was the power cord. Before repairing, called Shark Customer Service back. Again, they told me there was no way it was the power cord. They said it would be rare. They told me it could not be repaired and that I would have to buy a new vacuum as well as pay for the defective one! The repair shop fixed it for $65. The new cord is white but at least the vacuum works. No thanks to Shark. They are such liars!",1,Dishonest,
schwavyy,FALSE,4/5/2019 12:05,"Money has always been tight for me. I’m a student who works part time, affirm has given me the option to be able to purchase items & pay as you go! With no interest!! This is the best thing that’s come my way! If you’re having doubts about affirm, DONT! give yourself a financial break, let affirm step in and lessen your burden & pay it as you go!",5,Love!!,
jaydawh harris,FALSE,9/17/2018 16:08,"I love affirm, from the layout to the final payment it’s all just smooth. I am able to build my credit and buy things that I want to pay over time. You can buy virtually anything. From flights to hotel stays to vacation trips. And they give you nice payment plans that fit your needs. Affirm keep up the good work!",5,Easy to use - lender,
AlfinaHawaii,FALSE,7/1/2018 21:44,"I can’t be happier with Affirm app. It is handy, it is easy to use, straight forward and not une cessation complicated. I love the fact that at any time I am prequalified for a certain amount of loan that is line having a line of credit with Affirm. And best of all, as I am laying down my loans, the app is updating my balance by the second. I really can’t be happier.",5,Handy and immediate update of my loan balance!,
Smitty@0902,FALSE,3/5/2021 12:08,"Affirm is the best credit source that’s available today. Their rates are always exceptional and if you get in a bind financially, they’re are very helpful and understanding. I’ve been a customer for about three years and plan on being a lifelong customer. I would absolutely use Affirm for any type of purchase. There’s none better.",5,Affirm Review,
OmageJohn,FALSE,5/26/2021 18:47,I have phoned up and talked to customer service 3 time trying to make a payment on 2 loans I have updated my account numbers and it still comes back as I’m late making a payment? I’m not sure what else to do? Now when I try to phone customer service the lines are busy! I understand you have just changed your payment program but I do not like to make late payments. Please advise me how to move forwards with my debit.  I have use your services before and they have worked great. I’m just trying to be a good customer. Thank you John Evans,1,Autopay is not working!,
Only1TXmel,FALSE,10/29/2020 21:00,"This is the easiest way to pay without being charged interest!  I love how you have 4 payments to make every 2 weeks or you can pay it all off whenever you want. As long as it stays this way, I’ll continue using Affirm with ease and comfort, knowing they aren’t giving out any of my info to 3rd parties.",5,Easy To Use!,
Wickdkidd,FALSE,9/7/2020 21:08,Love this app tells you everything you need to know. Wished other apls  where like this when it came to purchases when you can pay on the separate items that you purchase so you dont pay to much on interest. Especially if you have enough money to pay off 1 item that really helpful.,5,EASY APP TO USE,
seeyoulateralgator,FALSE,4/26/2020 19:34,"I think this is worthwhile, as I needed to buy a new sewing machine to make masks.
Affirm needs to remind people what they purchased, I may have missed the e-mail that was sent when I purchased this machine, there is a lot going on!
They really need to remind people of What they purchased!  I bought several things from WalMart.",5,Things you need to know.,
AngelForever1,FALSE,3/28/2020 18:24,This is the best creation in years!! To have someone willing to assist you with your travel... well everything.. to free up a little money to afford you a little wriggle room to be able to achieve something stress less... amazing!! Was able to fulfill my dream to visit Istanbul... yes... stress less..with a little more money to have available for emergencies in a foreign country.,5,Love it!!,
dlove11201,FALSE,3/29/2020 2:30,"I and a current Affirm customer. Got a 1000$ loan for an iPhone. Never missed a payment. Owe about 400. Had another loan for 600 for a bed. Paid that off. So out of a total of $1600 in loans and never missing a payment and only owing them 400, they are now telling me for the past 4 months that I don’t F*****! Qualify!!!! Are you serious???? My score went down a little Bc of a problem. But I have never missed a payment on any card in my life or with AFFIRM. And yet they deny me another loan??? Yea I’ll never use them again.",2,Nice app. Unfair and ridiculous terms.,
Bubblesxoxoxo,FALSE,7/19/2019 4:39,I’m really happy with Affirm! They’ve approved me for multiple loans that are easy to pay off with their amazing financing offers. The app makes it easy to manage by letting you obviously shop and pay your bill from your smartphone or other devices. If anything download the app to help make those purchases you need today!,5,Great App for a Great Company,
Phatgurl 314,FALSE,1/10/2020 15:06,"I returned an item and Affirm decided not to refund my money after I paid off the item early without ANY interest. They tried to say it was a processing error and it will take 30 days to cut a check to refund me. Riddle me this...if the account you take your payments from is the same account you need to submit the refund to...where is my money? Telling me they can’t process the refund because there is an error. Guess what ,that error means no money in or out of my account for you until I receive my full refund! Y’all had to mess up huh?",1,Poor Customer Service,"{'id': 12851624, 'body': 'Hi there! Thank you for taking the time to review Affirm on the App Store. We appreciate the feedback and would love to get more information from you to help address your concerns about Affirm. We truly value the feedback of our customers and will take any opportunity to learn from it.\n\nIf you have yet to receive the refund to your Affirm loan, we encourage you to contact the merchant for a status update. If the merchant has confirmed the refund was issued please send us your email in the thread for our team to take a closer look! Once you submit your email our team will be sure to follow up with you! Thank you.\n\n-The Affirm Care Team', 'modified': '2020-01-10T21:42:04Z'}"
angel..........a,FALSE,6/13/2019 22:31,"I wanted to take my grandchildren on a weekend getaway. The place was expensive. Affirm made it possible for me to take them, prepay meals, hotel rooms and extra expenses. I am paying back monthly. I can now pay it off but as it is so simple to have it paid via auto pay I am planning another vacation with my cash. Love Affirm. It’s a great program.",5,Weekend with grandchildren,
Snowball❄,FALSE,4/8/2019 0:09,"My son wanted new shoes but they were expensive and hard to find, after my son found your site and the shoes he wanted I read up on it and I could make payments! Even after that I found out there were other sites we could use to shop on 😊I can find things I like for me and other family members. Love ❤️ Affirm❤️",5,My son,
NOsaintsfan25,FALSE,2/3/2019 13:01,I’ve had multiple loans through Affirm and I’ve never had one bad experience. Very straightforward with their interest rates and monthly payments. No hidden fees. I’ve only been in contact with their customer support a couple times and they’ve been extremely helpful. I only have positive things to say about Affirm.,5,Couldn’t be better.,
prabath,FALSE,5/16/2018 18:46,This is an awesome service. I love the feature where I don't have to pay the products at once and conveniently split in to multiple payments. Also I don't have to use my credit card or debit cards on random websites since I can get a prepaid card from affirm and pay through my bank account to affirm. This is new layer of security for me.,5,Awesome,
Elcarlos.65,FALSE,5/5/2018 18:18,I needed some parts for my car and was low on funds. Then discovered affirm I was a little skeptical about it and had just started to rebuild my credit. I didn’t want to hurt it if I got denied but hey I got and made my last payment in my stuff which I opted to upgrade couldn’t be happier will be using it again in the future,5,Great way to get car parts,
Nelzxcelz,FALSE,4/11/2021 14:30,Affirm gives everyone the chance to purchase what you need or even what would be a luxury gift with the ease of paying for it at your comfort zone. And if you have extra you can payoff early which is amazing and at a lower apr than most credit cards . Affirm gives you the buying power and belief in YOU.,5,great opportunity,
Lulu~,FALSE,2/14/2020 13:39,"I absolutely LOVE the affirm app. There’s nothin’ to it. So simple, so convenient...all options are laid out right in front of you. Love that it displays any balances due for current month, too! 

Why can’t ALL bill payments be this easy to submit? Not that they’re difficult, really...but there’s so much EXTRA, I find. 

I love the app, I love affirm in general...super happy with ya’ll. Thanks!",5,Such A Breeze!,
cmassive,FALSE,7/14/2020 15:38,"Affirm is easy and convenient to use. If you get 0% interest it’s a nice way to pay for something over time. HOWEVER there is a big catch. Your credit report. This gets reported on your credit account as a new account. So every time you finance through affirm for a short term loan it shows up as a new account, which affects your credit rating by 10%. If you use Affirm often, this can reduce your credit score with too many new accounts and average age of overall account. It’s not worth it. Not at all.",1,Be aware of what this does to your credit,
THEODORECHIPMUNK,FALSE,1/23/2020 12:30,"I love using Affirm for making purchases and paying monthly. It’s simple. When you are approved for a certain amount, you purchase your item and you pay monthly. No strings attached, finance charges are very, very reasonable. My only wish is that Affirm would list a phone number to call and speak to a live person.",5,Great Lending Company,
MalyPreciousMyla,FALSE,12/24/2019 18:04,"I love the reminders, they are not overwhelming with reminding you of your payment and each reminder makes it easy for you to click to make your payment. I love this app, I haven’t had any errors with the system and I love the track of payments that needs to be made and the ones that have been made.",5,Great tool,
Sonia Gnz,FALSE,11/2/2019 4:28,"I have to admit I came across Affrim by accident. I was buying a flight ticket in ChepOAir and the option to pay with Affirm wagoners up at check out. After reading terms and seeing the % paid, I was sold. How cool is this? I flew in July and was given six months to pay off. I will continue to use. Thank you for the great customer service as well. Kudos!",5,EXCELLENT AND USER FRIENDLY,
Shar K,FALSE,10/12/2019 22:06,"Affirm is similar to QVC quick pay option for different online retailers. I used them for ThredUP and it broke my payments up over three payments. Just click on the Affirm option, put in your banking info. Your purchases are set immediately and payments pulled monthly. An awesome option for the holidays.",5,Great option for easy pays,
megtheempire,FALSE,8/29/2019 3:17,Absolutely love!!! Bless by god for the oppertunity to make quick and easy payments with this app! They paid my $1200 purple mattress and I’ll I have to pay is $68 a month but my mattress (which is worth every penny by the way) was shipped and received a week later with out me paying a penny for it. Eventually I will pay it off but I am just saying... how cool is that!,5,Amazing,
Royce MB,FALSE,8/2/2019 0:49,Affirm really does create an easy way to take your credit allowance and turn that into a fun way to purchase items across various companies and websites. The ease of use is there and the app is seamless. It is enjoyable to feel secure that the system works quick and effectively. Will be continuing to use affirm for various purchases in the future m.,5,Ease of use,
Mykellitt,FALSE,11/22/2018 10:28,"This app will make suggestions according to your buying/spending and also gives you discounts and a way to pay for large purchases with simple payment plans to fit your budget! Love this app. Even if I don’t owe them anything, I come here first when shopping to see my discounts available with online retailers.",5,Great app,
steen426,FALSE,11/2/2018 4:24,Love that I can see how many payments I have left and each date of them in order from first to last. Checking to see if you prequalify is super easy and quick. I like the app layout that makes payments and seeing your history super simple. I personally like this app more than my own credit cards,5,Awesome app,
MrsACWill,FALSE,11/2/2018 13:54,I’ve used this Affirm for almost 3years and I absolutely love it. If used responsibly it will help you for those emergencies and in my case special projects around the house. They also report to credit bureaus to help your credit. I like the fact that if I apply for a certain amount but don’t use it all I’m not locked in to that amount. They just automatically adjust my loan. Excellent resource.,4,Be responsible,
hovergs,FALSE,10/24/2018 5:55,"This type of credit is what we’ve all been waiting for!  No fine print, easily understood terms written clear and concise. They treat customers as “Customers”, not just revenue generators.
Their rates beat all of the plastic cards, there’s no competition!  I’ve been a customer with three accounts in the last two years..........",5,Credit Cards - Be Afraid of AFFIRM!,
AnaLuciaNovak,FALSE,10/8/2018 21:04,"I select Affirm on items I need NOW and love that i can make payments each month interest free.  Perfect solution for buying products and shop responsibly because you’re not incurring interest and can enjoy your items now! Ive invested in an Advanced Social Media Certificate from a top rated university, purchased a high end pair of designer boots and Louis Vuitton bag!",5,Instant Gratification Shop Responsibly,
OthelloUno,FALSE,8/30/2018 15:15,I’ve had the Affrim app for over 1yr now and have made many purchases using their payment system. I really appreciate the purchasing power and payment options that the company provides . I hope that the company will continue to focus on the consumer and does not lose their focus under pressure from big businesses.,5,Great app.,
jasonostick,FALSE,5/15/2018 21:01,Sometimes it’s just easier to split a purchase into a few smaller payments. Affirm let’s you do this with a relatively small interest charge. No hidden fees. No hidden costs. App is extremely easy to use. I primarily use affirm to buy car modifications and just pay them off over a couple months. Works great!,5,Great way to help make purchases!,
mek012,FALSE,8/7/2018 5:09,"I was going through a checkout of joy bird, an online retailer.  They gave the option to finance through Affirm. I gave joybird my phone number, and my given first name rather than my legal first name, and my social.  

I do a million sign in flows, and I rarely read the name requirement as legal versus given.  My mistake, I get that.

But after this one mistake (I assume), they said that they couldn’t verify my identity and that the decision was permanent.  Essentially my phone number became black listed in their system after one discrepancy based on user error.

It seems rather extreme that because of this, I can never use the affirm’s app on my phone.  And now I can’t finance my couch.

It’s not like I was doing a brute force attack to try name combinations to get in. It’s not like my last name wouldn’t match my social.   I have no idea why this was the outcome I was given, with no recourse.",1,Locked out of the system after one mistake,
jammymom09,FALSE,7/5/2018 20:18,I tried to buy things in person using Apple Pay with the firm app and it would not let me then I tried purchasing an item through eBay and eBay says it’s declined but inside of the app it says it was approved and I have been trying to contact their support team though there is no phone number and they have yet to get back to me and I’ve been waiting for several hours to get the purchase removed from my existing loans because it was not approved through eBay but the app says it was approved.,1,It claims you can make any type of Purchase but you can’t,
Eldataluta0,FALSE,5/14/2018 10:37,Was in a situation where I needed a small loan but no one would give me one cause apparently 8 years still isn’t enough credit history. Anyway these guys give you one instantly with a good rate and payment is easy through the app. Already taken multiple ones at the same time. Zero issue. Will continue using.,5,Real life saver.,
Leslie Jenkins,FALSE,4/7/2018 17:09,"I have been using this app for a while & it’s wonderful but now it’s asking me to sign into my bank account & I am not doing that. It already asks for you bank account info to deduct money from your account, I’m ok with that but I’m not logging into my account & giving access to all of my info. It “WAS” a wonderful app before it wanted that. Good bye Affirm!",5,Changes,"{'id': 3274702, 'body': ""We're sorry to hear about your recent experience. We're happy to answer any questions you may have about Affirm or your account. Please feel free to contact us directly at help@affirm.com"", 'modified': '2018-04-26T20:33:08Z'}"
Dstryr_one,FALSE,9/26/2017 20:42,"One of the easiest transactions I've ever made! Easy application! As simple as terms and conditions can get! The auto pay is is absolutely perfect! I never had to fear about missing a deadline! I never even had to revisit the app til now, the end of my loan. Will definitely use again and recommend to all my friends! A++++!!",5,Extremely smooth and easy!,
Ms. Maya C,FALSE,11/13/2019 14:49,"This App is simply Amazing. I have been able to get an awesome resume, furnish my home, clothes shop, and holiday shop with this App. I recommend this to anyone who wants to shop without the high charges that come along with many credit cards. I don’t typically do reviews but this time I had too. 10 stars if it was possible from me..",5,Maya Cooper,
Krcenik,FALSE,1/12/2021 15:59,"Terrible company. I see now why major credit cards have broken their relationship with Affirm. 
When something goes wrong, there is no human being to speak/talk with to help you. 
We didn’t receive the product we purchased. Affirm refused to help whatsoever. We couldn’t even get anyone to speak with. Any help we received was from the company we purchased the item from. 
The item was delivers to wrong address. It was up yo us to try and track it down. 
All affirm had to say, via email, your payment is still due.",1,No customer service help,
katiedid2019,FALSE,11/9/2019 2:00,"I’ve signed up for auto payments numerous times yet they don’t work then I get a text that my payment is overdue. There is zero reason for me to be late on payments. It would be nice if it would just debit my bank. Then once I pay it, it says I’m even more behind. Why won’t you accept my payments?????",5,Auto payments aren’t working,
Eulogisor,FALSE,8/11/2019 6:49,"Super easy, fast, and organized. You can see everything you need to do in order for payment, and I really like the schedule t keeps track for you as part of the options tab. Well engineered and designed app for a great website that helps me out with car part to build my dream car.",5,American Muscle Wheels,
DaisyNic,FALSE,9/8/2019 18:49,They took my money without me even making an actual purchase. Took them only a couple second to remove the funds from my card. I called and they’re telling me it’ll take 7-10 days to give my money back for something I didn’t buy. When it took less than 10 seconds for them to take my money. That’s gotta be a major red flag. I’ve never had this happen before where my money is still taken even though I never bought the product.... take what you can from this information.,1,Would put zero stars if I could,
Teridactyls,FALSE,3/21/2019 1:52,"I like affirm for bigger online purchases because I don’t have to use my credit cards, rather I get a one-time use card, and because then the interest rate is clearly stated and I will make planned payments and it’s gone. Also, the interest rates are better than many credit cards these days.",5,Great app for internet shopping,
chazaskfdj,FALSE,1/13/2019 12:52,"Easiest to set up / payment installment plans for all of your large and small purchases .. this is a good company I had a 500$ loan for some clothes .. anyway it got declined .. but I bought them on the website for unstinted pickups with no problems... whatever I used out of that 500$

AFFIRM IS 100% safe . You don’t need to know that just play in smart ... I have spent 50k on shoes. Most of that was borrowed ( flight club) *more then half*

Do a need a new phone ! 
Did I get clothes that fit?
Can I get cofffess in the morning ? The answers is YES when it come to your terms  . 

Side note -as a company they are awesome .. this time last year was prob  . Trust nobody more not then this company",5,Great!!,
Megazinehd,FALSE,11/5/2018 15:53,"This app is so powerful. I have leading credit cards from Capital One, American Express, Citibank, and with fair to good credit. Affirm interest is far lower than all of theirs. It’s logically better to make a large purchase with affirm vs credit card vendors unless your getting very low interest rates from them. Affirm is a no brainer.",5,Helped build my credit and save on Intrest,
psychedelicprincess,FALSE,10/15/2018 3:44,"Nice way for financially challenged people (such as myself at the moment) to be able to make nice investments on things like furniture. The app makes it very easy and everything is straight forward, spelled out, and user friendly. I would recommend. I was sleeping on the floor for months and am able to pay off a nice organic futon mattress to sleep on. 😎",5,Great idea,
TurkeySoup12287,FALSE,10/11/2018 22:49,Affirm has been great for me. Used a few different times. It’s great because it gives you the option to pay things off early without paying the extra interest and you can also have it automatically withdrawn from an account/card. Nothing but good things between myself and affirm. Great idea,5,Affirm,
ThatCuteSheep,FALSE,10/10/2018 16:16,"I love Affirm because as a young person without much help from my parents, I’m able to finance things I need that I wouldn’t be able to afford otherwise. I love the transparency and simplicity of this process. I would recommend Affirm to any working individual who needs a little help with affording the things they want or need.",5,Affirm is a life changer,
Big Bonnie,FALSE,8/6/2018 21:15,"Affirm’s App is a NO nonsense, NO hassle, and most of all a NO strings attached..conventional way to make purchases online. I’ve purchased several items via my Affirm App while shopping online with Wayfair during the past year. I am a happy and satisfied customer. Looking forward to making additional purchases in the near future.

Satisfied Customer 
Ms. Bonnie Tucker",5,Affirm’s App is the BEST.,
mimibbailey,FALSE,3/4/2021 19:56,"Affirm has been an easy-to-use service that has made it easy to pay for items over an extended period of time. A large, one-time payment didn’t fit my budget. Affirm allowed me to set up auto payments over several months I highly recommend this service.",5,Fantastic service!,
dchevvv,FALSE,1/23/2021 2:43,This will be the second loan I’ve payed on through affirm and the the user friendliness of this app is unmatched! The app never fails and always makes sure auto payment goes though. The early payoff option on the loans is a very nice touch as well! Highly suggested for anyone looking to buy something they can’t afford straight up!,5,Affirm loans,
7i7@$m@ll,FALSE,12/9/2020 18:46,"I love this vendor! Before you can't buy anything unless you have a card or got your pay check and that worries you that the item might not be on sale anymore or its sold out. 
But with this one you can purchase it already and worry the payments when your check arrives. Thank you!",5,Amazing,
wjdbxisbsb,FALSE,4/29/2020 16:04,I tried to apply and it asked me multiple questions about my brother which I didn’t know because he and I are estranged so they couldn’t verify me and my application got declined. Still very confused as to why they would ask me personal questions about my brother and not me since I’m the one applying.,5,Very confusing,
JNovak13,FALSE,11/27/2020 19:57,"Try to get a loan for a gaming desktop and they only give me one option which is a massive drop for two months, why would I want to pay that when I could pay smaller fees each month? Where are the options? Why can’t I change the format I want to pay it as? This is absolutely ridiculous, no options, no good payment plans and the interest is ridiculous. Used this before it turned to dogcrap, not might never use it again",2,Terrible Options,
taj101!,FALSE,3/9/2020 21:55,"First off, I love this app. It helps definitely when needed, if you don’t have the full amount to pay for something. Affirm splits the payments up in 4 or so to help you out. Also it don’t take money off your debit/credit card automatically unless you approve it. Thanks affirm for helping me with many purchases!!!!",5,Love this app!,
Versandle,FALSE,2/3/2020 18:59,"This service was a life saver during the time when we had an unexpected death in our family. Unfortunately, we did not have the finances to pay for an airline ticket, but we were fortunate to have this service as an option to buy an airline ticket.  We are very grateful.",5,Great option,
Onangelswings,FALSE,1/23/2020 2:42,So convenient and a excellent alternative to high interest credit cards . Information security so no concerns about keeping your private financial information safe . Shop places that you trust with a short term installment payment system . I couldn’t be happier ! I highly recommend them .,5,Affirm Is So Awesome Payment Plans Where You Shop,
Tha_5280_Truth,FALSE,10/7/2019 4:41,Who ever created this app is a genius!! This is the best app ever. I have paid for so many things using affirm. Anything over $100 purchased online I use affirm. 1. I can pay it off early with no penalty. 2. I dont have to give a bunch of sites my credit card. 3. Its the easiest and most convenient process. Shopping - going on a trip? Affirm it,5,Genius!,
Ash244533466,FALSE,7/3/2019 15:27,Do you feel like there are things you’ve been wanting forever but never seem to afford in one shot? For me it’s been BEATS headphones for the longest. Thanks to affirm I was able to finally buy a pair and pay them off with $60 a month for 3 months and only pay $9 interest. I couldn’t express my happiness in a review for this app!!!,5,Amazing,
Tzbabygurl,FALSE,8/25/2019 0:29,"My cards were declined and wouldnt accept my payment on time😒 I had used my bank card 4 times and then tried my other bank card and that payment was declined too. All my info was correct, called my bank they said it was an issue with the merchant (Affirm) system and
to my surprise there is Not a
customer service toll free number. This is
absurd and Ill be thinking twice before using them in the future. I did add my checking but shouldn’t have had to do this and they need to get a customer service line makes me trust them
even less.",1,Beware,
JazzRogers,FALSE,6/18/2019 1:45,"Signing up & getting approved was pretty straight forward. Love the monthly payment option via text confirmation. 
Used it for couple of big purchases, for one of which the dealer issued me a refund. The process of refund was seamless & quick. Zero hassle with no requirement to contact customer support !",5,Super convenient & reliable,
Painless66,FALSE,5/21/2019 2:11,"As long as you pay your payments on time this is a great place to deal with because you can pay your loan off early without a penalty. I have borrowed over $28,000 and have paid it back within a few months when they gave me over a year to pay it back.",5,Great place to finance anything from,
eac51999754,FALSE,4/30/2019 14:10,Very convenient when you want to buy something but don’t want to drop the whole amount at one time. You get to chose how long you want to pay the item off in and it tells you up front how much interest you will be charged. Also helps you build your credit. I love it.,5,Convenient.,
Mallards93,FALSE,4/5/2019 15:35,This App is straight forward and easy to use. It has helped me out when money was tight and gave me affordable payment plans that were straight forward and easier to understand. Also not only can you pay your loan off early without consequences they encourage it!! I have really loved my experience with Affirm,5,Love this App!!,
MarkBot89,FALSE,3/31/2019 15:24,"I love affirm if I’m ever in a bind need a little extra cash for last minute unexpected purchases, I go with affirm. It’s a great way to make purchases without a ding to my credit and they have easy payment options. I would recommend this to anyone. Just use it wisely as you would like any other physical credit card.",5,Works Great!!!,
Sistersc,FALSE,1/31/2019 5:00,"I like Affirm because I pay on each purchase which has resulted in bringing down and paying off loan faster than I ever would have if purchases were combined on one credit card.

Knowing the loan is there when I want it has been greatly appreciated.  Thank you Affirm.",5,"Convenient, Easy to Use and There When Needed",
g_sacd,FALSE,10/5/2018 11:29,Great app - I’ve financed multiple things through Affirm and have never had a problem with payments or anything along those lines. My only request is that we would be able to start to pay off the loan immediately and not have to wait for the merchant to finish approving the transaction.,5,Fantastic!,
Br3nn3n P,FALSE,9/28/2018 23:51,"I love this app. I’ve used affirm multiple times and have always agreed to their rates. At first they are high, like any other company that’s out to make money, but as long as you pay on time, they get better!! It makes complete & total sense. The app is extremely user friendly. Even their customer support is helpful. 5 stars.",5,Simple,
ylynetteking,FALSE,9/22/2018 14:50,I think this is a very nice app and company.  I’ve used this app for a couple of years and I can say it has been wonderful.  I know how much I can spend and it is easy to buy something online without the hassle of paperwork or misunderstanding on how much my payments will be and I can pay it off early and save.,5,Buying on payments,
Jaxdrum,FALSE,9/16/2018 16:25,A friend is someone that’s there for you in your time of need! Affirm goes above and beyond! They are there in your time of wants as well!!! LOL! I love the ease of activating a loan and the no penalty early payoff!! The app shows you exactly how much you’ll save in interest if you pay off early. I highly recommend them and have done so to several of my friends!!,5,A Friend Indeed!!,
poorweather,FALSE,7/10/2018 13:35,"I’ve never used any app like this before without going down the rabbit hole of what to worry about, but wow! I used a website I trusted that recommended using this service and I loved it right away. It was easy to set up, easy to make payments and easy to show others how it works. I loved this and will use it in the future again!",5,Wow!,
carlreiher,FALSE,6/8/2018 10:28,Very easy to use app. I have used Affirm a few times to make purchases online and I must say it is a great way to break down payments on higher priced items. The only thing that I don’t like is that you cannot change payment dates. Other than that I really like Affirm and would recommend it.,5,Easy to use.,
Andre ALP,FALSE,5/17/2018 15:38,"This is what I needed to keep my production studio financed. It allows me to narrow my focus with what equipment is needed and priorities my choices.
I'm allowed to shop almost anywhere online safe and secure. So far this option is better than my credit cards.
As I compare this with PayPal credit, it's hard to say which is better.",5,The option I needed,
ickymonster,FALSE,5/3/2018 10:52,App made it easy to manage payment for things I wanted to buy and got request fast with no penalties for late or early payments. Definitely going to be using this every now and then for small purchases since apr is pretty high. Would suggest if you can pay of the loan quickly so apr won’t get you.,5,Quick and easy,
RawKnowledge,FALSE,1/22/2018 3:05,I’ve been using Affirm for about 2 months now and I must say that my experience has been nothing but great with them! Instant approval on credit decision and it does not effect your score. Great for those who need to finance big purchases with low APR’s. I recommend decent credit history with high percentage payment history for likeliness of approvals.,5,GREAT Financing App!,
JoyBritt,FALSE,5/5/2021 9:26,"Not only is this a great way to pay for large purchases, interest free in most cases, it also helps build your credit and they offer a free savings account which you can add any amount on a recurring basis or whenever you have an $20 a week. What more could you ask for? I definitely give Affirm 5*****",5,Great!!,
Davis1378,FALSE,5/8/2021 5:53,"Downloading the app so I can track my purchase and pay extra etc. they show all of their stores on there. So I’m going through and clicking on them, browsing each store. I didn’t realize it was determining my eligibility each time. Now I don’t qualify for anything because it looked like I tried to qualify for everything. A bit frustrating. There should be a warning, don’t click unless you intend to use credit allowed.",2,Convenient service but lacking,
mamatroll,FALSE,3/30/2021 17:07,This app made it possible for me to painlessly buy an item that is more money than I have to spend at once. There really are no hidden charges and I get plenty of clear notices before a payment is automatically deducted. It’s easy to sign into the app and  keep track of my purchase. I recommend Affirm,5,Very useful App,
Firestrom11,FALSE,12/30/2020 21:27,"Its great to haveOpportunities to pay something over time interest rate a little high. But paying for convenience. Maybe Affirm can create a rewards points when we use Affirm that can help with purchase or can only be redeem as cash only towards a purchase. 
Just saying. 
Happy New Year 
Stay safe to all at Affirm",5,Helping Hand,
31flex,FALSE,11/13/2020 7:16,I experienced exceptional customer service for using Affirm. I would recommend any to use their services. If you’re not able to purchase something at full price. Affirm would be the most reliable and convenient company to purchase from. They are willing to work with anyone!,5,Order Review,
Jadeinok,FALSE,8/11/2020 6:43,I am disabled and on a fixed income. Large purchases are just not in the cards for me unless I save a little each month for several months. Affirm has made it possible to make large necessary purchases and have the ability to pay monthly without interest!  I true lifesaver!,5,Financial lifeline!,
merri525,FALSE,6/6/2020 16:50,"Overall I would use affirm again!! What I did not like about The app was The fact that all my payments were made on time and once three out of the four loans were paid off and the last one had less than five payments to go, I was denied to borrow again for unknown reasons.",5,Great app with catches,
Jimmyh VT 802,FALSE,6/12/2020 21:46,"I have been using affirm without issue for a few years now on all my big Furniture purchases. I have always paid off my loans quickly, and have never had a late payment, that goes for my entire credit history. I have a 750+ credit score, and now all of the sudden affirm will not approve me for anything and I have no idea why and they won’t tell me why. I have moved onto another platform. PayPal credit is way less hassle and a larger limit. Screw your good users, I hope you get screwed by all your crappy users.",1,Won’t give me a loan,
Mustards kart,FALSE,2/19/2020 4:24,"I started using Affirm when I bought my Shark vacuum. It’s great because I paid it over 3 months of payments. Great interest rates too! And they give you so many different stores to shop from on credit. As long as you keep on track with your payment plan ,your going to have a great track record with Affirm!",5,Absolutely great!,
anhawk420,FALSE,3/10/2020 14:27,"The only thing nice about this service is you can get a small loan when your short on cash: more bad than good though. Reports to credit bureaus that the account is closed and paid in full but that actually hurts your credit. My score keeps dropping when I use affirm, even though my payments are always on time.  Also it gets very tricky when trying to make a virtual card for different merchants, that’s held me up at a store quite a bit.",2,Reports to credit bureaus,
pabrams47,FALSE,10/16/2019 18:39,The App was great! However when they emailed me to use there product again I’m assuming because it’s a draft and never a missed payment and once and done!  So as I search through the app on my new iPhone I’m considering to this method of payment just because and it tells me I can’t and I hadn’t even tried anything yet. 😡.,5,Pam,
DJ. Checkmate,FALSE,5/14/2019 14:26,"Affirm has been great, I have made 2 major purchases using Affirm. No hassles plus they have helped me build my credit. The Affirm app is awesome, you use this app to make your payments, auto payment reminders and check balances as well credit increases. Thanks Affirm for helping me with all my purchases. I will defiantly keep using Affirm.

Randon,",5,So happy with Affirm!,
Niecy9,FALSE,4/23/2019 19:37,I’ve used this app to make purchases several time. It’s a great way to  receive you items and pay for them while you are enjoying. I like how easy it make payments at my convenience. I able to see my balance and make payments when I wanted to before due date.,5,My Experience with Affirm App.,
Ddram,FALSE,1/8/2019 11:34,Your process makes it easier for people to purchase without worrying about how you are going to pay for the full amount on an higher ticket price such as a plane ticket. This is the 2nd time I’ve used Affirm. Once with CheapAir and with Expedia. I hope they start working with other airline / travel companies.,5,Thank you Affirm,
newbie1971,FALSE,9/28/2018 18:02,"Took forever to get a prequalified amount. Paid on Tires from a tire sight for 9 months. Never able to get an amount of prequalify. When I got my card utilization down to mid 20’s across all three bureaus, I was able to qualify.  So for the those who can’t get pre qualified, they might be credit card utilization sensitive.",5,Frustrating but ok,
Sassone1,FALSE,9/26/2018 7:05,Affirm makes it easy for me to purchase things that I don’t really need. But really really want! With their easy monthly payments. And you tell them how you want to break it down into however many payments is comfortable for you. I’ve had 3 loans with Affirm. And they really made it where I could get the things I wanted. Very easy!,5,Affirm Rocks!!,
T.A Allday,FALSE,9/24/2018 3:02,"affirm has made life easy for me, to purchase the little and big things and allow me to pay at my own pace. I appreciate affirm.
The app has a few issues and sometimes the amount approved is removed from you or lowered if not used in the 7 day approval period. That is the only thing I dont like other wise it’s amazing",5,Great,
mjordinp,FALSE,9/19/2018 20:21,"I loooooove Affirm, I have been able to get soooo many gifts at Christmas, last minute exam endive items and more using this app and it’s sooooo worth it. As long as you make your payments your available balance goes up higher. The more you use and pay off the more they’ll lend you! The little bit of interest is well worth it.",5,ABSOLUTELY LOVE,
jasssssssss123456789,FALSE,8/7/2018 16:16,"I actually found this app thru Expedia last year trying to get a hotel, they are partners & now I use affirm mostly for purchases thru Expedia and it is amazing! No hidden fees, very straight forward, the app is simple easy to use and very financially useful if you're a responsible person! Would definitely recommend! And they report to experian which is awesome!",5,AMAZING!,
NickyGM,FALSE,6/28/2018 2:09,"Super easy to use and absolutely transparent about costs and fees. Just finished paying one of my purchases and was very pleased to know ahead of time how much I would end up paying in interest. 

Also Great app! Kept me updated on when to make payments and very convenient to make payments and connect my bank info.",5,The best!,
nrodgers1107,FALSE,5/12/2018 4:57,"So easy to use, with no prepayment penalties. The apr is a little high but it’s nice to pay something over time if you don’t have all the funds at the time but are in need of something. The process is super fast and the app is really easy to use. You can pretty much use affirm for any purchase! Thanks again affirm! I highly recommend them.",5,Love it!,
ssnake53,FALSE,6/7/2021 14:25,"This was a great opportunity to east lush even a better credit rating as everything is automatically done for you, reminders in advance so you don’t make a mistake, and then text to tell you the payment has been made and received. How great is that!",5,Easy and great way to buy on credit!,
kruse61,FALSE,12/14/2020 23:45,Items I would not normally have purchased but wanted to are now easier to be had. The terms are flexible and accommodating. I just paid off my Yeti cooler earlier than expected without any prepayment charges thus saving me added interest charges. Glad I had Affirm in my arsenal.,5,Makes unnecessary purchases easier,
Stacey Lynde,FALSE,5/3/2021 10:40,"I love the idea but it shouldn’t take so long to return funds. I cancelled a order from a merchant and sent in proof that it was cancelled. Not only have you taken the funds, you haven’t returned it and it’s been a month. I’m beginning to feel glad I didn’t buy more because it really shouldn’t take this long to get anything back… I’ve even gotten returns credited from a merchant faster than this. Please fix… and while you’re at it, return my money please",2,Take too long to return funds,
two lane road,FALSE,11/3/2020 6:59,"I’m very happy with affirm, first used it to buy welding supplies from a supplier I buy from. Had such a good experience with that transaction, I tried it again for a sizable electronic s purchase again I’m very pleased with how easy it is to use and doesn’t effect my credit scord of debt ratio",5,Extra buying power when you need it !!,
blynnings,FALSE,11/22/2020 20:05,"First let me say , supper easy and convenient. I used this app because I was at work and did not have my credit card with me. I thought it would be easy for me to just pay it off on my credit card when I got home, so I could have the points . However , you can only use bank account or debit card. Otherwise , it very easy to use .",4,Vaca,
Mrgreen115577,FALSE,5/22/2020 18:21,I’ve use affirm on a couple of big purchases and it really comes in handy. I got my purple mattress for my first purchase and got a Sony tv during Black Friday. Simple pay and you get notifications on your coming payments. My wife use this app on small purchases which helps her out.,5,Doesn’t affect my credit score 😁,
HaniMNY,FALSE,5/31/2020 4:55,"I’ve been using Affirm for 3 years now, and oh, I made a lot of purchases with it, something around $10,000 if not more.
I’ve always paid off earlier than promised and my credit score has not changed for the past couple of years, however for the past 3 months I’ve been constantly rejected when trying to find out how much i’m qualified for with each time it asking me to check back in 29 days. Are you guys seriously ok? do you not want business?
I’ve paid everything off and am done with y’all!
Bye",1,Are you OK Affirm?!?!,
bdosd13,FALSE,5/2/2020 7:13,I like Affire credit options more than my credit cards. It gives you options that traditional bank cards don’t offer. I am more inclined to pay off my affirm account sooner than my credit cards because of the savings over time.,5,Great alternative to a major credit card,
Jesol71,FALSE,4/10/2020 18:51,"It’s a very reliable and easy way to pay for articles without money worries. If you download the app, they remind you when your monthly payment is close. All you have to do is add your bank account, and the monthly payment is at the touch of a button ( or screen)",5,Very reliable and easy,
Tommaso Corvo,FALSE,1/31/2020 21:22,"The business model which Affirm follows is innovative, convenient and easy to utilize.  Am a fan of the business and the app!  

The time needed to secure a short term loan is literally a minute or two, largely because of the app which supports the business.

To this point I have secured three different loans with no delays, extensive questionnaires or other complications.",5,Affirm App,
Rebekah Star,FALSE,4/9/2020 16:18,"I have been using this app for almost a year, all payments automatic. Always prequalified. No issues. I log in to use it to buy something else and it says i can no longer buy because i dont qualify. Nothing has changed. My credit score is good. And Ive been a customer who has paid on time. So after my stuff is paid, i wont be using again. There are other companies like this that dont do that. Klarna is one. Have never had an issue!",2,Dissatified in customer service..,
Thesweetest985,FALSE,3/10/2020 23:09,I love that I can get approved for a loan at stores where my credit may not approve me for a credit card with the actual store! Affirm also friendly reminds you when they will make the automatic payment days ahead. The only reason I didn’t give 5 stars is because the interest will be taken even if you pay it off earlier.,4,Keeps me shopping,
DR.DRDM,FALSE,12/26/2019 23:33,I couldn’t be more happier with Affirms program and how easy it is to make my monthly payments ! I don’t have to go out to store and try to finance anything in person. Instead I just use all the stores affirm works with and shop through the app! Easy !! And very affordable payments !!,5,Best app and method to use and get what you want !,
hernan1979,FALSE,12/19/2019 11:47,Best app I’ve seen ... fast easy and interest is cheap .... you can more on your item with no problem and be done with it ... I’ve paid my trip back in July with this app and it will give you the option on your payment installments...  Never had problem! Gas and Easy! I’m so glad I discovered Affrim!! Thank you .....,5,Best paying app!,
Don Raul Soria,FALSE,7/22/2019 16:02,"During months of heavy transaction volume due to our family situation, I can get quick payments without breaking the bank and I can repay quickly without penalty. The app is incredibly easy and fast to use, the card is generated instantly and my merchants will take it. A great product, a great app.",5,Very practical and useful,
chillbroskie,FALSE,10/31/2019 1:30,"Used this app for over a year to go on vacations. Big purchases ($2000+) on most loans and paid back on time. Went to book a trip and denied me completely out of no where. My credit is stable, payments on time. Not sure why i am suddenly denied after giving them 10k plus in business! 

even if you deny me, why lock for a whole month? Assuming this is a credit update check, but mine is fine! 

2 stars.  the app is cool but failed me when needed the most.",2,Changed Approval Process,
Happy Affirm Customer,FALSE,5/5/2019 0:07,I love it because I don’t have to use my credit cards. Credit cards can charge too much interests or could affect your credit score if you use over 50% of your credit limit. I would rather not touch it and use Affirm. I have a great relationship with them as I pay off everything quicker.,5,Love it!,
M. Valentino,FALSE,4/13/2019 1:40,"I’ve been using affirm for a few years and always really enjoyed being able to get and use credit lines in a different way. Isolated micro loans for specific purchases should be more widely available. Though I’d love to see how Affirm would approach auto or small business loans! Future possibility, Affirm?",5,The future of lending,
Kelz242,FALSE,3/29/2019 17:23,I have used Affirm to purchase everything from furniture to tires for my car and they have yet to disappoint! Great way to build up you credit & and get the things you needs without having to fork over large amounts of money on the app. Will definitely continue using the service in the future.,5,Great Servicw,
TracyMccl,FALSE,3/1/2019 8:10,I’m a fan of this app. If you don’t want to take a hit to your credit card percentage going up. This is a great option. They do not report to your credit report unless you fail to pay. It’s easy to get approved and you can use the virtual card anywhere. It’s a fun shopping option.,5,Pretty excellent option,
michelechelle,FALSE,10/24/2018 2:32,My favorite feature of this app is that it tells you if autopay is on or off. Ever make a double payment on something because you forgot you signed up for autopay? The app reminds you of your due date and remembers your info so you can make a payment quickly. Super easy to use!,5,Most convenient & thoughtful app,
yimbo splice,FALSE,6/29/2018 4:49,I love knowing exactly what I will pay and not having to watching my payment be eroded by compounding interest and seeing my owed balance decrease in real time the amount payed . This is credit made easy and fair . You don’t get caught in the minimum payment trap for the rest of your life with affirm. Borrow responsibility and you will be happy wit their business practices.,5,Fair and equitable,
Chi town artist,FALSE,6/5/2018 15:03,I’ve used to app to pay for expensive shoes ok goat and stock x always enjoyed my purchase paid $700 for a pair of shoes $60 a month  or double up your payments it’s felt better than spending the $700cash I even purchased a $140 pair of shoes and made two $70 payments just feels better than paying for item upfront,5,12 month payment plans 👌🏾,
MondoTeeno,FALSE,5/8/2018 23:58,"Any time I need to pay for something in a pinch (i.e. between paychecks), Affirm helps me out big time! I don’t have great credit, so this is a lifesaver. It does not impact your credit score, which is a plus. I tell everyone about Affirm whenever they see and ask about something I have that I purchased using Affirm payments.",5,Affirm is a lifesaver!,
Breezeway1,FALSE,4/29/2021 19:05,"Was so nice not to be hounded about over due payments, I was dealing with 2 family members that have COVID and was quarantined and could not work for the past 2 months . Thank you for your kindness and patience it meant a lot to me . Your company is kind and considerate and hopefully I can continue to have my payment privileges restored . Thank you.",5,Awesome.,
Elb racing,FALSE,3/4/2021 16:22,"My wife and I have used Affirm a few times over the past two years.  We’ve used it for IPads for the kids, GoPro 9, laptop, Jeep Wrangler suspension lift and mud tires etc. We’ve also gotten 0% financing a few times.  Every time we look, more stores are available.  I have nothing bad to say about Affirm.",5,Great way to pay.,
Romeo7839,FALSE,4/9/2021 4:05,"After years of using affirm with no issues they suddenly decided to take issue with the companies I was purchasing from. With no warning or any type of advanced communication they canceled my financing for a purchase that was already processed. They also didn’t communicate this to the store I was purchasing from, leaving me to have to work out what had happened with the store directly. Do not use this service if you plan on making an important purchase that you don’t want potentially canceled.",1,Use at your own peril,
Katen 23,FALSE,12/29/2019 19:21,I needed due date changed cause I don’t get paid till the last day of the month and looks like most of them are due two days before I think as a customer I should get a chance to pick the date I get paid especially since I have past account with you,5,Payments,
Dorchester Lady,FALSE,12/31/2020 17:10,"You sent me a text message to enable auto pay which was my intention, but after getting to the saving my bank information, my only clear option was to pay or schedule a single payment. It shouldn’t be so difficult to enable auto pay. Then I wouldn’t have to think about it again, rather than needing to schedule individual monthly payments.",3,Enable autopay?  Make it more straightforward!,
Terrin1234,FALSE,11/29/2020 19:05,I loved it at first but then it would prequalify me for stuff and I would go into the store to use it and would get denied. Now it says prequalified for 1570 but when I went to the store it says 140! That’s less than it was when I started! I have made every payment so I don’t know why it has went down. Maybe because it’s close to the holidays but that’s the whole reason why I needed to use it. Thanks for nothing!,3,Good at first,
Forfahksake,FALSE,2/19/2020 22:06,"I gave it 3 stars as a gift to Affirm, as the lenders themselves are the culprit here.

Be aware, that taking out these loans are easy, but they come with a long term cost.

The lenders DO NOT regularly report your payment activity. This also means that even after the account has been paid in full, it may still show on your credit report with an open balance.
The lender didn’t report my payments for months, so it looked like I had a high balance when in fact it was paid on time every month (some months I even overpaid). This is rather unacceptable. So I paid off the entire balance and hope they report sometime soon that the balance is 0.
Until Affirm can vet lenders with regular reporting, I will not be using it.",3,Reporting issues,
Judy124,FALSE,8/21/2019 16:03,"The interest is low & if you pay off sooner the interest is adjusted. Very easy app, simple, I was very happy getting my things and paying low monthly payments while enjoying my purchases. If your item price drops Affirm will adjust your account automatically. Thank you Affirm I love doing business with y’all!!!",5,I love Affirm!!!,
real_user_2019,FALSE,5/25/2019 14:16,"Affirm is a very convenient tool to use for purchases. To apply and get approved is a simple process and I really like the layout of the updated app. Great job!

They are reporting to Experian on me, but it would have been more useful if they reported to Equifax and TransUnion also. I would definitely use there services more often then!",5,It’s great!!!,
EZ1713,FALSE,5/2/2019 21:59,I gotta say like most people I was skeptical with using this app. But to my surprise everything is pretty self explanatory and no hidden fees at least for me. You get plenty of reminders when your bill is due and if you do pay it off early they make sure to adjust or refund your balance for the APR.,5,Very easy to use,
razorramon1234,FALSE,4/29/2019 16:51,"Affirm has been great to me and my family.  Things we couldn’t do before, now we can with the help from Affirm.  With low monthly payments that I can afford.  We have been able to go on vacations, able to buy Christmas presents, and buy parts to fix our cars and trucks.  I am amazed and truly grateful.  Thank you Affirm!",5,Affirm,
Affirm User 415,FALSE,2/25/2019 6:52,"Like it, it’s easy and simple. I am able to manage my payments with out any problems or delays. I have no complaints besides not being able to have multiple items through affirm, but that is prolly a good thing not having multiple items on one account.",5,Purchased maid easy.,
"Dr. MG, PhD",FALSE,12/13/2018 3:50,This app is straight forward. Period. From making payments to the stores that accept Affirm with additional discounts is great. I also like the virtual credit card offer to use at other places not seen in the app. I will definitely be using this service for a long time coming.,5,Easy to use app,
Grizzly660lvr,FALSE,2/5/2019 20:16,"Decided to give this app a whirl for Valentine’s Day. Sign up was easy, and with good credit I wasn’t really worried. Failed to identify me with the information I provided. E-mail help could not give me any reason as to why or if I could provide anymore info. Called the help number, even less helpful (although very polite). At the end of the day they can’t give me any information regarding the account. She couldn’t tell me why, if there was anything I could do to help it along, or if there was any chance in the future to use it. So ya, garbage app.",1,"Would be great, if it worked.",
Clockem,FALSE,12/11/2018 15:58,Takes 5 days to wire money from my bank? Really? Are you using pony express? Even after taking the money from my account you still don’t reflect the payment against my outstanding balance. Violating banking regulations? Could be? May want to have your compliance department look into this.,5,Payment process,
Simplicity927,FALSE,11/22/2018 3:38,While working to pay off credit cards Affirm has helped in a pinch. Even got zero percent financing from Home Depot. I go to Affirm before putting something on a credit card because I know it will be paid off quickly and I can still keep my pay down on track.,5,Keeps me on track,
M_AT&T,FALSE,11/7/2018 3:03,"Love the app. Made a purchase on some Cole Hahns and easily paid it off with the app. Started with auto payment, switched to manual no problem. I was not constantly being reminded about payments or offers. Great to have an app that treats you like an adult when it comes to a loan. 

Only downside is the options of where you can purchase is limited. Get more traction there and it’s a 5.",4,So easy!,
Known Associate,FALSE,10/22/2018 0:12,"I was struggling to put out $600 all at one time for a tuner for my truck. That's when I was introduced to Affirm. Since that time, I've used them at several other businesses, and I am thoroughly pleased with the outcome. It seems like no matter what I want to get, Affirm is there to assist me in the purchase.",5,It's the easiest way to shop on the Internet!,
Wazzam9999,FALSE,9/20/2018 11:30,Write five times to support and get five different answers with no solution. Yes the app works and gives simple and easy payment plans but if the app ever gives error or a strange message don’t expect any help or solutions from them.  Absolutely losing me as a customer due to poor customer service.,5,Worst customer support I have ever encountered,
Barbie Lashes,FALSE,8/31/2018 21:11,"When I go to make a payment or view my current loans, I accidentally hit the “prequalify” button. Ughhh!!!! I don’t want to continually have them check to see if I prequalify! I’m just trying to check on my current loans and pay them! Please, PLEASE, fix this! This does not make for a good experience.",5,One major problem with it,
yourmagicgirl,FALSE,6/25/2018 15:31,Love utilizing this app for easy payment options on items I typically wouldn’t be able to purchase upfront. I am however able to make smaller chunks of payment over time and thanks to Affirm I’m able to do so! Love it and how easy to use it is. Thanks Affirm for making certain purchases a reality for me!,5,Convenient & Easy!,
David Ramirez 1544,FALSE,5/24/2018 0:34,"This app makes every purchase as easy as one, two, and three! The payment options as well are the greatest as you get multiple payment options and you always end up knowing how much your going to pay at the end of the day! It’s truly amazing and straight forward and easy!",5,Awesomest app ever!,
Scottinsa,FALSE,11/15/2017 1:59,I have used affirm for 4 loans now. They way they set this up makes paying bills so simple. I am so impressed with the software and the simplicity of making payments. I hope after I use the app for awhile my rates go down because they are high but you can't ask for better service.  Awesome,5,Credit made simple!,
MacUserOne,FALSE,1/16/2021 15:41,"I really like the way they have set this business model. This is the way you’re supposed to make purchases on credit cards, but too many times we fall short and get into the endless circle of paying only minimums.",5,Better way to stay organized.,
Strevino75,FALSE,11/16/2020 19:44,We were able to book our Orlando Informer meet up using Affirm. It was quick and easy make monthly payments and go enjoy our after hours fun at Universal Studios. I also purchased a new Buffet on quick easy payments as well. Best service and quick no hassle payments.,5,Awesome Program,
GinaN622,FALSE,10/12/2020 19:52,"I love this company! So easy to get approved and use the funding services. I did however make the mistake in thinking they already had my payment info from a past purchase through them. So if using for the first time, make sure you cross all your T’s and Dot all your I’s.",5,Super easy to use and pay!,
Larapida,FALSE,3/19/2020 19:45,I feel so BLESSED to receive an email. Letting everyone know they are here to help us during the COVID-19 crisis. And working on getting late fees stopped. And they care. Out of ll the credit companies I’m working with. This is the “ONLY” credit company that volunteered to send emails out to let us know. They are here to help. ❤️,5,Affirm is caring of other during COVID,
criminalson,FALSE,9/14/2020 9:41,This is the worst company I have ever known in my life! My name and Social Security number was illegally used by my son to purchase two items on two separate loans. Apparently even after I reported this fraud/crime it was determined that I am still responsible for the debt. I’m paying off both that and giving all the information to my lawyer who informed me if my information is used again charges will be brought not only against the individual that illegally uses them but against the company as well that allow the crime to happen.,1,ALLOWS FRAUD & ILLEGAL USE OF ANOTHER PERSONS SOCIAL SECURITY NUMBER‼️,
mothertrucker20,FALSE,2/11/2020 21:21,"Getting a one star review simply because I have not had the opportunity to use the services yet. I tried once for a loan but wasn’t approved. They said there was maintenance going on and to try later. I have used Sezzle and I love it! If you’ve never used Sezzle, try it out. So maybe I’ll get the opportunity soon to use Affirm!",5,Review,
frankopolois,FALSE,2/7/2020 5:17,"Affirm is by far and by large the greatest micro loan platform out there. Have a big purchase but are low on funds? Affirm’s got your back. Need that little bit extra for the holidays? You guessed it, Affirm’s got you covered. 

The way payments are set up so that if you pay a large amount over what your monthly bill is, it will deduct it from the following months so you can go months without having to make a payment. < this is a great feature for sure.

Honestly, customer service is top notch, the companies that have partnered and accept Affirm is ever growing. 

Truly an amazing app and service guys, keep up the good work :)",5,Amazing,
jo nez,FALSE,2/1/2020 20:49,"Amazing app it really works. They don’t ask you for pay stubs or anything crazy not a scam either. My items arrived on time and early this app is a life safer and I recommend to anyone who knows how to pay bills on time, if you can’t pay your 7$ bill every month you have no business here.",5,Great app,
aaronsmith1990,FALSE,1/9/2020 22:58,It does slow your internet shopping speed down and its watching you and the arp gave me 23% and i have a good credit score. So keep in mind. But no money down with 3 options 3 6 or 12 month payment plan and it tells you how much u qualify for rite away. You can use anywhere! No late fees!!,5,Fast and easy,
Denmirror,FALSE,1/31/2020 15:32,This app would have been really cool if it would actually register the different Afterpay payments I had. I had 2 separate ones going at the same time but they didn’t show up on my account. Only one showed on the app. I had to go on the website and somehow login with the same account information and showed me the other account. It’s weird and confusing.,3,Doesn’t show all your after pays,
chihuahuasrbest,FALSE,11/12/2019 18:04,Best Finance company ever! The ease of making a payment by using your app or cell number is so convenient! No more remembering which email you used with a 10 digit password with numbers and characters. It is a pleasure to make payments with affirm. Text receipt makes it super easy for busy lives as well. Thank you!,5,Affirm is the best,
asthmaslayer,FALSE,10/16/2019 2:13,"Affirm is great for a small purchases between two and $500. Paid the loans off quickly and the money is always there for future purchases. The best part is, no one can use your credit card to purchase items that you never brought. I love it.",5,Perfect for Small Purchases,
DJDanOPP,FALSE,10/28/2019 7:27,"I’ve had up to 8-10 Affirm accounts going all at once, with up to $4000 in loans open at one time. Have paid them all down (with only a couple payments a couple days late - keep in mind most creditors don’t really get twisted up until you’re 30 days late, which I was never near..) but now, for at least the past 6-8 months, they won’t approve me for anything. Nothing. What a nice way to thank a pretty good customer like me, who you’ve made PLENTY of interest from.",2,Mystery shut-out???,
Lupita & J,FALSE,10/14/2019 6:44,"Very easy to apply and convenient to use. I love it and it helped even though some personal items can’t be purchased like shampoo or toothpaste. I was very disappointed. I think loan  should be use  to purchase anything as if it was cash or credit card, that is the only downside of it.

Thank you,",5,Affirm Review,
Cal Daniels,FALSE,10/5/2019 13:15,"Love affirm so much ! I been able to buy things that I can’t never seem to save for ! Low flat rate !  Would recommend to any and everyone thanks affirm !!!  Thank u affirm , I recommend it to all my family and friends
I have spend thousands with affirm it is a awesome company thanks for helping me get all the things I want",5,Best way to finance,
Sable One,FALSE,5/11/2019 2:10,"Affirm has allowed us to enjoy the benefits of travels thru all the offerings from the company. It gives you an ability to manage several trips a year and pay monthly thru the Affirm reminders for the services!

Can’t wait to see what else I can find thru the other companies that thy have offerings from!",5,Trip to Paradise,
Elephantbaseball,FALSE,4/17/2019 11:54,"I wanted to purchase something and didn’t have all the cash on hand for payment in full. Affirm allowed me to simply budget it out at 0% interest and it was mine. Automatically comes out of my account each month, great when living on a fixed income 😊",5,Simple...it doesn’t get any easier,
cafedream,FALSE,1/9/2019 22:31,I’ve only used this twice. Each time to make a furniture purchase. Helped to build my credit and made it very easy to pay it out without a crazy amount of interest. I’ll keep using it as long as the interest rates are lower than my credit card rate for big purchases.,5,Love,
Paramora173,FALSE,11/13/2018 19:11,For one I used affirm loan to get a small paintball purchase which what they gave me was sweet and what I owe back the way they laid it out to me in description on what I owe was very straightforward and no surprises and simple payment methods love this company and the app is so smooth I recommend this company to anyone who want to do online shopping with a loan or storefront great trust,5,Awesome company very awesome payback,
NBGIntegrity,FALSE,9/15/2018 2:23,I have ordered countless things with Affirm and all have gone through with no problem at all! The app and creators I give big props to for making an app the an average joe can use. It simple and easy. This app will definitely make it easier for me to purchase items I normally couldn’t before! Thank you so much!,5,Great!,
Eve in Austin,FALSE,7/4/2018 6:04,"A firm has been a lifesaver. And their app is incredibly easy to use. Getting approved is incredibly easy, the payment system is very intuitive and smart. Really really great way to make your money work a little better if you don’t have perfect credit but you can afford to pay off small loans.",5,Great app and great company,
mspereira24,FALSE,6/18/2018 15:30,"I’ve used this for multiple items and have found it to be easy to manage. I’ve purchased a new camera, drone, and after paying those off purchased new tires for my car. Their alerts help keep me on my payments and there’s no extra fees for paying off early. Highly recommended 👌🏻",5,Great app!,
Female chef and stuff,FALSE,5/26/2018 18:19,They are very helpful and straightforward with the information. Nothing is confusing or hard to understand and if it is customer relations is very helpful and quick to respond. I am almost done with one of my loans and I will definitely be using Affirm again for our next big purchase.,5,Great app and company,
Kiki7798,FALSE,5/14/2021 18:11,"This is so much better than a credit card!! Lower interest, some companies offer 0% interest. I can pay off my balance at anytime, and you can find great things that let you pay with Affirm. My only wish is more stores would use this company. I can only hope!!!🤗🤗🤗🤗",5,I love Affirm💕💕💕,
igjr betttt,FALSE,5/31/2020 14:12,"Affirm is a great way to buy things on a payment plan without all the extra fees and interest charges.  I have used it several times and love that you can pay in as little or as long as the time that you need. Also, no penalty for paying off early. It’s a win all the way around!",5,Love Affirm!,
Lianaskye,FALSE,1/1/2021 21:00,"After repeatedly trying to login, changing passcodes, I was unable to login. Deleted the app, re-added the app, finally I’m able to login and make my payment. You do want to get paid right? Even as I type this review, the app is still buggy- I’ve had to paste in my comments as everything I type does not show. Affirm update",4,Affirm Login/Buggy app,
MJL2,FALSE,3/23/2020 18:28,"The app shows exactly what you owe, when it’s due, all the future payments, and when you’re paid in full. So easy to buy now without a ridiculous interest rate like a credit card will charge. I needed a new mattress today, so I got it today!",5,Better than a credit card!,
Babywomangirl,FALSE,5/30/2020 14:55,Affirm could be a great shopping option to finance larger purchases that spread payments out however they will approve you on one purchase and even after paying them off and perfect timely payments they’ll decline you on future purchases saying it’s because of credit only to find out they use dated inaccurate information. They are nothing but a huge lie! I’m so glad new and better options are now available!,2,Real time credit check is a lie!,
petra bujor,FALSE,2/11/2020 10:08,Literally love this app. I used it to buy my cousin’s birthday presents/supplies and my boyfriends valentines gifts. Also my apple AirPods all at once. I’m a cna I don’t make much but they base it off your pay and you can pay early if you have the money and skip the next month (if you want to) literally so happy with this app. Only app to ever actually impress me.,5,IMPRESSED,
hehejfkdnabsk,FALSE,2/28/2020 14:14,"Created an account and was preapproved. But all my loans were denied because “my identity couldn’t be verified.” I emailed and also called. The representative on the phone said they cannot go into specifics because they don’t have access to that information. I asked what I need to do on my half to fix it and she replied that all my information during the registration is correct, so there’s nothing I or they can do. She literally said “use a different form of payment.” Basically telling me to no longer use affirm. Talk about poor business.",1,No help,
peapeach,FALSE,2/5/2020 1:26,Love using Affirm my credit is ok but I’m trying to pay off my credit cards so I use Affirm instead. It makes me double think my purchases to make sure it’s something I would really want/need instead of just an impulse.  You can always pay off your loan early! No penalty,5,Easy to use and great in a pinch,
floraester,FALSE,10/21/2019 11:41,This is the best thing for someone like myself who has paid off all the credit cards and doesn’t want to get in debt again!!! This helps keep myself in check .  It has given me back a sense of control and pride when I can make purchases  and know that I actually own them :).,5,Awesome,
erichews,FALSE,8/12/2019 13:50,I’ve used Affirm to finance two major purchases of home appliances and I couldn’t be happier with how easy and quick each was. Affirm has made my life better by making it possible to get the major items I need on an affordable payment plan. Happily recommended. 5/5⭐️,5,"Two Big Purchases, Great Service",
Clarkslawga,FALSE,8/11/2019 1:55,"They took my Amex for a down payment but when it comes to regular payments I can't use it. Buried in the mouse type is language that indeed says they don't take credit card payments for regular payments so part of this is on me. But if Affirm won't take CC payments why are you able to use it on a down payment. 

The entire reason for using Affirm was to get the milage points on the payments monthly. I would have NEVER used this bogus service had this nonsense been made clear. And rest assured I won't waste my time on it again.",1,Deceptive,
nelsalma,FALSE,5/23/2019 12:57,"Works smoothly and reminds me as requested. 
I am pleased at this early point in usage.
It’s surprising, refreshing, and AFFIRMING that a financial organization helps me to remember what’s due and when I can pay early or plan my payments, making it easy to structure financial responsibility for myself. 
I believe many payments are missed not intentionally but because late payments are one of the major income streams for banks. 
Most don’t want to be my friend and help me which it’s why it’s been so hard over the years to even get a reminder of payment due dates. 
But, that’s changing and Affirm is one of the leaders to recognize that. Thank you, Affirm!",5,Affirm,
SlyFSU,FALSE,4/10/2019 21:31,"I’m so glad I found this app. It gives me financial flexibility that I otherwise wouldn’t have. I love being able to make big purchases like plane tickets or laptops and paying in installments. Very thankful that the interest charges are transparent and they allow you to pay all in advance. 

Very thankful for this app.",5,Love this.,
Venomous90,FALSE,4/5/2019 22:39,Love how easy the app is to use and check balances and make payments. This should’ve been thought of a long time ago. Sometimes you need a little help to finish a project on time and Affirm was there to help.,5,Quick and easy to get a loan and make payments! Wish this was around years ago.,
P. Covington,FALSE,11/22/2018 18:39,I have used Affirm from buying Christmas gifts to buying plane tickets. So convenient to buy now and have a payment plan to pay on while you enjoy you product. I wish they offered more flights. My son was stranded and I was very low on cash but affirm allowed me to buy his ticket and he came home safely.,5,Great Service,
SovietSpy7,FALSE,10/17/2018 18:43,I needed motor cycle gear quick and summer was ending. Affirm let me pay for my gear in pieces so I could ride before it started to get cold. Low interest. Easy pay option. The app works great. Every month I go on the app 3 taps and the bill for the month is payed. Have not had any problems to speak of.,5,Good service for getting what you need,
Jay_ilovezara,FALSE,7/13/2018 16:43,Most reliable and trustworthy app ever used!! When I actually needed to buy a ticket but didn't have enough money so I just tried to purchase a ticket from Southwest Airlines using this app and I have been approved! How awesome 👏. I paid off my balance in installments in less than 3 month!!!,5,They are here for help when it's needed👍👍👍,
GinasGuy,FALSE,4/23/2021 18:35,"I wish I had found out about this long ago. It is absolutely better than using a credit card because it’s a loan , you pick how long you want to make payments , you know how much your paying in interest. It’s GREAT! I’ll definitely be using it from now on . Thank you Affirm",5,Affirm is great!!,
GameHater987,FALSE,10/24/2017 23:58,"The devs really understand ""Less is more"". Very very usable.

EDIT: I’ve marked this down to three stars because of the experience when returning the purchase. For weeks since the return, the app has been internally inconsistent. The main display, however, still shows that I owe the balance in full, as if the return never happened. However, a deeply tucked away transactions view shows the correct, zero balance.",3,Well crafted app.,"{'id': 3274730, 'body': ""We're sorry to hear about your recent experience. We're happy to answer any questions you may have about Affirm or your account. Please feel free to contact us directly at help@affirm.com"", 'modified': '2018-04-26T20:36:17Z'}"
greatgooglymoogley,FALSE,2/13/2021 20:55,"Way better rates than major credit cards, no late fees, and you can literally walk in to just about any major store or website and order what you need fast. Low monthly payments mean that you don’t have to worry about a purchase here or there to bog you down. 

Bravo!!",5,Amazing and Simple,
Chelsea Moriah,FALSE,4/11/2020 15:37,"Super easy to navigate! They don’t charge late fees if you’re unable to make the months payment. Customer service is pretty good when I’ve talked with them. I’ve used affirm on a lot of my purchases, and I like the flexibility you have to pay it back with the 3,6 or 12 month options!",5,Love Affirm!,
908ldjones,FALSE,12/29/2020 16:30,I love Affirm and agree with other users on the ease of use and adorable payment.  However I have been having a problem with the app where it won’t open my account once I enter my passcode.  It gets stuck.  Unfortunately I haven’t found a solution so I have to reinstall the app which get frustrating.,4,App doesn’t always open,
pco1988,FALSE,4/23/2020 0:38,Affirm has been awesome to use for the past 2 years and I’ve been happy for the most part.  Up until a few months back I went to use it again and was denied.  I’ve had used Affim 8 times in total and I’ve never missed a payment.  7 closed and 1 active and at one point I had 3 lines open at the same time.  Very disappointed and after this last one is done I’m deleting the app for good.  I wish it didn’t have to be that way.,2,Was great at first...,
seaex,FALSE,2/7/2020 16:36,Affirm has saved my life . I been using them for 4 years . Unfortunately over time less options with zero percent . Majority of the stuff I bought 4 years ago was no interest now they charge . But last week my car tires blew and affirm came clutch when I had no cash,5,Affirm is convenient,
yulya_soln,FALSE,3/22/2020 23:45,"What does it mean? So I was approved for $3000,   I’ve been using this app for 7 months and everything was fine until their last update. I successfully paid off two loans, no any negative, on-time payments. Two weeks ago I checked my availability and the app displayed $1000 available(I am still paying 3 more loans to affirm). But yesterday I logged in my account and saw that their bank denies me:)) Or really?)) this is really funny. So if developers are not interested in reliable borrowers anymore, wherever. Good bye 👋",1,Denied after two paid off loans,
Zerosforheros,FALSE,1/13/2020 21:23,"I absolutely love this lending service.  They are willing to work with people who are in the process of rebuilding their credit and their service is the cheapest around. I will definitely recommend this to all my friends and family.  Thank you again.

-Brandon",5,"Easy , Quick, and No Gimmicks",
sonic143196,FALSE,11/16/2019 16:00,"The app works great, simple to use. It reminds to pay, it’s quick and not a single annoying phone call from anyone. My credit is horrible, and only from a home repo that I chose myself. I can’t get help from anything anymore. It’s good to have people like Affirm to give people a chance.",5,Affirm is a great thing man,
Albangrimreaper,FALSE,12/12/2019 0:11,"It’s Fantastic to get a loan from Affirm Credit but today I tried to get a loan but wasn’t able to - no problem... but than all of a sudden I started to receive 17 robot calls in less than one day in which I haven’t received any for nearly a year. As soon as I gave up my number for a review loan, It started to come in and hasn’t stopped & it’s past 7pm in which the loan request was before 12 pm. This company is selling phone numbers to outside sources without consent. 
   Think twice before you deal with Affirm",1,I give two stars for good measure,"{'id': 12386664, 'body': ""Hi there! Thanks for reviewing Affirm on the App Store! We're happy to address any security and privacy concerns you may have. Affirm does not sell user data. We meet all industry standards for protecting your personal information. Our policies safeguard the collection, use, and disclosure of your information. We also use a variety of methods to ensure our network is secure and your data is safe! We recommend registering your mobile number to the National Do Not Call Registry if you would like to stop receiving telemarketing calls. To learn more about Affirm's privacy policy, check out our Help Center at affirm.com/help! -The Affirm Care Team"", 'modified': '2019-12-13T20:44:01Z'}"
tj71franklin,FALSE,8/26/2019 20:49,"I Needed to contact you the other day when I had a payment that did not process, was a unable to find a customer service number. I really believe that there should be a number provided so that customers can contact support staff when needed",5,No phone number,
AlysTX,FALSE,8/4/2019 18:26,"I love the opportunity to build credit and make no interest payments!! Why would I use my regular old credit cards anymore. This “same as cash” business model is awesome. Why pay interest when I don’t have too, plus the app is easy use. 5-Stars Affirm!! You have a forever customer!!",5,Love it!,
Hehehy,FALSE,6/27/2019 16:25,"They’ve been pretty good overall, getting prequalified for a decent amount every time and overall pretty good payment system. But I forgot that I had to get a new card, and so my card kept decline on my automatic payments and I never received a notice that it was. Not an email or anything. I feel like it’s pretty important to know your payment is declining.",4,Alright,
Auralking47,FALSE,3/29/2019 23:40,"I applied for credit through a particular furniture place and I was approved.  Then, I was directed to download this app.  I did so and for everything setup on it and that was it.  Paying your bill made easy and efficiently on thr go.  Now who would've thought💭 of that?  I don't know but I'm glad affirm did so...",5,A true game changer,
Keatoncw,FALSE,12/28/2018 1:18,"I would just like to say thanks to the Affirm team. If it weren’t for Affirm, I wouldn’t have been able to purchase my plane ticket in time to visit the Christmas markets in Prague with my friends. Thanks to them, I was able to enjoy an incredible Christmas break! it’s also a super easy app to navigate and make payments on!",5,Greatest App Ever,
beers70,FALSE,12/8/2018 13:18,"Affirm is helpful an was easy purchasing airline ticket. No complaints. The app is a tiny confusing, but it may just be me. 
I would recommend also on purchases that don’t allow you to use split payments. I don’t like when it’s one card or nothing. That’s where Affirm helped out a lot.",5,Helpful,
2JZ 4Me,FALSE,10/9/2018 12:30,"Affirm has helped me build up my project car. From acquiring rims and tires, to a turbo package and tuning, Affirm has helped me get the funds I need now for my project and repay at a low monthly rate without tying up my credit cards. Even when I had an issue with product fitment from the vendor, Affirm stepped in and fought for my consumer rights and got result. Thx!!",5,Huge Fan,
rickesquivias,FALSE,9/27/2018 16:23,"This app is incredibly well built. Being able to make a purchase and have the app lay out a payment plan, as well as knowing exactly how much it will end up costing me has saved me a ton of headache. And it’s beautiful and easy to use. Used this for over a year with no problems.",5,Beautiful and functional.,
greenFuneral,FALSE,9/24/2018 15:59,"I was a bit skeptical at first about it but I actually tried it because a trusted website recommended it and honestly it’s great. It really tells you what you’ll pay, if there’s interest or not, and you have options on the period of time you can make payments back. It’s amazing!",5,Very handy app,
Mike Harcarik,FALSE,6/28/2018 22:53,"I love that most automotive and motorcycle websites use this service in the check out, and if they don't you can use the digital card they provide on the app. 
I originally used this to pay off the repair on my car and now I use it whenever I want to delay an expense (AKA my auto modding addictions)!",5,Perfect for online shopping!,
hatzzzzlondon2018,FALSE,9/16/2018 14:53,"I would rate this company in the negatives if I could. Had a technical issue in their side and they took additional payments out of my account without me authorizing it, I could never get a solid answer. I emailed (which they said they would email back within 24 hours, that’s a lie) I called and was told all he could do was write a ticket and escalate the problem and someone would be in touch. I will never ever use this company again, I may even call the Bureau of Business about this. Ridiculous customer service.",1,Horrible company,
TammyM57,FALSE,6/13/2018 20:20,"Affirm allows you to make purchases using a virtual credit card, you can select how long you need to repay the loan, it’s convenient and simple to use.  Obviously, they have to do a quick credit check to make sure you can repay the loan but it’s really a nice way to help build your credit!",5,Great resource,
Qteepiela,FALSE,6/7/2018 13:01,I’ve been using Affirm for about a year and a half and the app for about 6 months. The program allows you to make purchases and make payments over time without a traditional credit check. I like the app because it shows how much you are prequalified for.,5,Easy Credit!,
sweetface0187,FALSE,5/11/2018 9:02,"This app is the best! It’s easy to navigate and allows you to make payments, View loan details, & even start a new loan...all from the app! There have been no glitches, no freezing, or anything wrong. I love this app and I definitely recommend downloading it if you have a loan with affirm or if you’re thinking about getting a loan.",5,Great App!,
REI7891,FALSE,9/11/2017 10:44,"Love this app, not only can I get my shopping fix without going broke. But the reminder a few days before you gotta make a payment is much appreciated. My only suggestion would be to list all store Affirm is affiliated with. The listing on their website does absolutely no justice.",5,Extremely Convenient,
Savagegloss,FALSE,6/5/2021 11:18,"This make so many things accessible to those who can pay off an item responsibly, but may not have the finances to pay for an item in full. Christmas 2020 was hard for my family due to covid but Affirm came to the rescue and I was able to shop for my children.",5,Life saver-Life Changer,
tracywatkins111,FALSE,2/18/2021 8:47,Really love being able to shop different places and be able to make payments on it and a lot of the stores I shop offer the 0% interest. I would much rather use affirm than put purchases on a credit card and pay high interest.,5,Love,
WTCMEDIC911,FALSE,4/28/2021 14:53,It’s a decent loan company and thus far has been honest.  Only issue is the app I find clunky when you have multiple payments made in the month. When I pay needs to drop off to a different category like pending or be marked as such. When a person has a bunch of these little loans it gets confusing what’s pending snd what I’ve got to pay without opening windows,3,Good outfit. App kinda klunky and basic,
Thunderbird Jones,FALSE,2/15/2021 20:22,So far my experience with affirm has been a pleasure. I have used them for 5 purchases over 5 years. I have no complaints thus far. I would as of now recommend them as an option for buying things you may want but need to pay for over time.,5,Jones,
vgcygcfuugcitc,FALSE,12/29/2020 18:21,"I have used this for so many things. I’ve been able to order new beds for my kids, a trampoline, porch swing, birthday and Christmas presents, a treadmill... all sorts of big purchases that I wouldn’t have been able to before. The app is easy to use and perfect for making on time payments.",5,Fantastic,
Me Melanie,FALSE,2/5/2021 16:17,"They don’t seem to have their stuff together as much as a competitor.  I’ve used both and prefer the competitor.  The competitor takes first payment the day you buy, which I refer, means it’s paid off faster.  Affirm waited nearly 3 weeks instead of 2, changed the due date and they estimate taxes and shipping.  Competitor does off exact amount.  With Affirm you have to put in a guessing amount.  That’s the amount they use and who knows if you get the difference back.",2,Affirm,
JustmeLisa1,FALSE,10/20/2020 2:46,This is a great way to splurge and make a big purchase and pay it off over a few months to a year! I bought a few things I couldn’t afford to pay all at once and the monthly payments don’t affect my bank account too bad !,5,Great way to make big purchases,
Trulamay,FALSE,12/5/2020 4:16,"BEWARE-DO NOT USE THIS APP!!!! One of my items was in back order, so I canceled it, because I wouldn’t get it on time.  Affirm told me to send screenshots of the item being canceled, which I did. However, although I provided proof that I canceled the item, they are still charging me as if I had the item. I was basically told that there was nothing that they can do after I was led to believe that if I showed proof of the cancellation that I would get my payments corrected. I will NEVER use them again, they are crooks with horrible customer service.",1,DO NOT USE- THEY ARE CROOKS,
Mr.Serio2614,FALSE,9/10/2020 9:46,"I mean what can I say, been using this app for years. It helps build my credit and whenever I don’t want to wait to buy something I use this app everything is straight forward it gives you 3 choices of paying back and customer service is very helpful.",5,Best app ever!,
{Vixey},FALSE,8/30/2020 14:56,"This app has been a huge life saver for me and it all started with a new mattress! This makes big purchases so much easier to manage without feeling overwhelmed. I can make payments with no stress or worries about not being able to pay my other bills. 

Highly recommend!!!",5,Amazing!,
MDI T&P,FALSE,7/11/2020 16:43,"I purchased  a LULL mattress and was going to use my credit card.  The LULL rep. suggested AFFIRM.  I thought, well, OK.  I was to total amazement - no interest, no fees of any type (maybe return item), very simple & speedy application and approval.
My initial relationship and experience w/AFFIRM has been awesome!  Would I recommend AFFIRN? Your darn tootin’ I would ! ! !",5,Super & more than five star rating,
Ezie94,FALSE,6/8/2020 21:41,This is the easiest app to use and understand. I’ve bought several things using this service and due to it being so straight forward I will continue to do so. You don’t need credit you just need to show you cAn pay something off.,5,Very easy to use,
wes11ton,FALSE,5/19/2020 12:20,"Need a funding source to get you by till the next paycheck? Maybe you're waiting on a tax return or some other funding that you're owed? Either way, Affirm could be a great solution to fill the gap. Whether you payoff the loan in a week or a year, it's easy and safe. Thanks for the help when I needed it.",5,Affirm has your back!,
Lucky lady50,FALSE,5/4/2020 0:53,"I have tried on several occasions to purchase a item from Home Depot. On each try, I was sent a pop up stating that the bankers could not approve. I’ve sent two emails and have not received any response.
If that’s the final decision, I will continue to make payment until the final payment",5,Final Decision,
ThaatGiirll,FALSE,5/13/2020 13:08,"I have a high credit score with 100% payment history and zero debt aside from student loans, which I pay on monthly. Yet I am unable to be approved for a $20 a month for 3 months “loan.” Because “my credit score doesn't meet their minimum standards” and their “decision is final” 

Was hoping to buy some clothes for the summer and thought a smaller payment over a couple of months would make things a little easier on my pocket with everything going on right now. Guess not.

Absolutely ridiculous.",1,Doesn’t make sense,
hectic88,FALSE,3/1/2020 4:21,"I’m not extremely text savvy, and Affirm has an easy to use app. I also like how all of the numbers are up front on interest, and how much the total amount I will be paying is! I highly recommend this company to pay off purchases on a credit, month to month basis!",5,Affirm,
C$K7,FALSE,1/18/2020 6:22,"I was skeptical about this app and how it worked. So I got prequalified for certain amount of money, clicked the website I wanted to buy from. Bought the item and affirm let’s you choose what time span you would like to pay it off it that benefits you. It’s quick and easy.",5,Simple,
603G,FALSE,2/24/2020 13:24,"I liked the app and the convenience- BUT it should be a bit more clear that EVERY time you open a split pay your credit score is impacted. I didn’t realize all purchases would show up on my credit report and further I would take a hit for a credit inquiry ( every time) 

Lesson learned guess I should have looked at the fine print ( if there was any?) seems a little false to open with the claim “won’t impact credit” 

At any rate, probably won’t use again.",1,Buyer beware - credit score impacts,"{'id': 13767069, 'body': ""Hi there! Thank you for the review. Affirm doesn't run a hard credit pull for creating an Affirm account or for prequalifying. Because FICO and credit bureaus calculate your credit scores in ways that are not publicly known, we can’t predict exactly how your credit score will be affected. There are many factors that could impact your credit, such as your payment history, the amount of available credit that you have used, the length of your credit history, and the number of accounts you have recently opened. To learn more, please email help@affirm.com. \n"", 'modified': '2020-02-28T18:49:02Z'}"
Mjohnson157,FALSE,12/12/2019 0:44,"So far, one of the best loans. No Hard Credit check. Details up front. You know what your total interest will be and how much you save if you pay it off. The APP is Fantastic and very user friendly. I’m thinking of paying off my 6 month loan in 3 months. I recommend 100%",5,No Fine Print!!!! (Excellent),
THISSUCKSHA,FALSE,12/4/2019 14:51,"I really enjoy this app! I was able to buy nice quality booties I could never afford before this app! I paid nothing down to buy them and I only pay a small amount every month! I really enjoy how I can pay it off in full if I wish, too. 
Will use again",5,Amazing option,
HitTheTech,FALSE,3/11/2019 19:44,This app has come in handy many times for me as a college student. I only work part time and barely make enough to fund my passions on the side so it is nice to be able to have some money for bigger things and easily pay it off over time. Thank you Affirm,5,Extremely useful and integrative,
TAWNI RN,FALSE,11/1/2019 19:28,"I used to LOVE Affirm. I had a chance to buy things after we attempted to consolidate our bills with a company that did not do their job!  However, after several years of using Affirm and paying off loans much faster than when they were due they decided I’m too much of a risk and lowered how much I could borrow/spend SIGNIFICANTLY!  I pay everything on time now and I’m never ever late. So why crush someone who’s trying?? Isn’t that what this app/company is about??  Just too bad because like I said I used to LOVE Affirm.",1,App is fine but the company.....,
Mariomega713,FALSE,6/3/2019 1:51,Everything about the app is fine but my issue is that I have a payment of .03 cents that popped up on my last monthly payment and you can not pay .03 cents because you need a minimum on 1.00 dollar but then you can’t pay the 1.00 dollar because you can’t pay over what you owe. On top of that the help center has nothing about this issue and I can only call them when there open . I work late night and sleep majority of my day how is anyone gonna help me if there closed majority of the time that I am asleep.,1,No help,
karlidoran,FALSE,3/4/2019 17:30,I’ve been using affirm for the past 3 years and it’s been nothing but super helpful for me to be able to make a big purchase and pay it off over time. It’s made Christmas super easy. They always remind you three days before a payment is due and the day of!,5,Where to begin?,
Dka fords,FALSE,2/26/2019 18:22,I wanted to purchase some items with credit and right away and could not get approved with a lot of other credit companies but affirm showed up when I was just in need and I have been using this ever since I could not imagine using anything else,5,Just in need,
WendiQTX,FALSE,12/22/2018 4:48,"This app saves the day when I am in a pinch. Decided to go back to school, and needed an iPad ASAP. Buying one up front was just not an option. I love being able to choose the length and amount of the loan. Best part is you know exactly how much the payments are going to be :) Will use Affirm for my future needs.",5,"Dang, Gina!",
Harlem71,FALSE,12/8/2018 22:06,"I wanted this BUMPBOXX for over a year now. I was going to apply a year ago for the payment plan. I waited a year & applies w/ Affirm & got approved for $2500. It was a simple, quick & easy process. Low 3,6 & 12 month payment plans that you can pick yourself. It’s awesome & you can buy just about anything on here. Love it",5,Quick & Easy,
joes21,FALSE,10/27/2018 2:34,"This app makes it way too easy to borrow money and make payments.  

The user interface makes absolute sense and navigating through it is a breeze!

I may just want to start all over again after I finish paying my existing loans because it’s that easy!",5,Easy easy easy to use,
Muraad Amman,FALSE,9/25/2018 4:45,"Great and easy to work with when it comes to flexibility with payments. I like the reminder feature as I have a very hectic schedule and it enables me to make my payments on time, every time! Certainly will recommend anyone to try it out and you pay exactly what you owe, meaning no hidden costs or fees including 0% APR...👍🏽",5,Awesome!!!,
imthatguy01,FALSE,7/15/2018 15:15,When it comes to my car parts are expensive and every time affirm saves my wallet instead of having to buy the part outright it’s all in payments that are easy to work with and pay easily through the app. One of my best decisions to get this app,5,Helps when you’re in a tight spot,
bawt408,FALSE,7/12/2018 3:02,The process is super simple. All charges are upfront with no hidden fees. You know what your total and what your payments will be before you get the loans. Best way to travel without spending all that money at once. Don’t even get me started on all the stores you can shop with affirm. And the app is great too,5,Perfect for traveling!!,
judge13,FALSE,6/4/2018 19:30,I absolutely love using this app and service. Everything is so well communicated and easy to understand. A very intuitive and clean interface lays out all information cleanly and makes paying via the app incredibly simple. The timely reminders are friendly and welcome. Not pushy at all.,5,"Easy to use, very transparent",
Skynet07,FALSE,9/9/2017 14:31,"When I first found out about the app from a retailer who I needed to purchase hearing aids from, I couldn't believe how simple it was, how easy the payment setup was. it's still on the unbelievable to me that you folks offer this service. Thank you I know I will use you again sometime. Jack",5,This is unbelievable,
Sat. customer,FALSE,5/6/2021 23:44,This is a very easy way to purchase items over time and increase your credit score. Easy payment plans to select. The app makes it easy to manage and change payments if you want. I have used this company several times its been great,5,Good company,
lush032,FALSE,5/31/2021 2:45,I’m so upset that affirm says to use the app and download it you can be 4+ obviously I’m way in the plus. This is the 5th time I’ve tried to create my account and it keeps telling me I’m not eligible/approved. Not telling me why and it can’t be because I’m 17 I use other apps just like this one that’s perfectly fine with my age. This is so freaking sad for me because I’ve been recommended for this app so many times by family and friends and to top it off Affirm has all the stores I need in one app!,1,Seriously sad and disappointed,
Angela 1112,FALSE,3/8/2021 14:40,Variety of stores and items... I always find what I need and the pay plans help when you are on a budget or a great way to get Christmas shopping done without being stressed . Keep up the Great work and thank you this helps a lot of mom’s with shopping.,5,Great Program absolutely love it!!,
Sewfullsista,FALSE,3/4/2021 21:21,I found the payment process very easy and fast. I especially like the auto payments using my debit card so all I have to do is concentrate on my fitness goals. I liked it so much I purchased another piece of fitness equipment through them.,5,Quick and easy way to pay,
LadyDeexx,FALSE,6/26/2020 3:56,"Very good job whoever came up with this site..it
Teaches you along the way as well!! 
Didn't allow me to purchase another cart until previous one was paid & I thank you for that, 
I definitely recommend Affirm!! Also to anyone who wants to build credit 😉😃",5,Feedback,
Isaiah '09,FALSE,3/4/2021 21:10,"Their app and website did not list a customer support phone number. I tried the online chat and was told that all representatives were busy and that I’d be contacted by email. My issue has not been resolved. Had I known what I know now about the financing options, I would have just paid cash for my purchase as opposed to be locked into a large monthly payment. I wanted to make a down payment first and then finance the remaining balance. This seems to not be an option.",1,No phone numbers for support!,
Maria_G_Elizarraraz92,FALSE,8/20/2020 15:44,"I made two purchases through their app and it was fine. On the third purchase one item I ordered took longer so Affirm decided to refund the remaining amount. So once the order was ready to bill/ship they needed to bill someone/a payment method. Well these Affirm credit cards expire right away so you can even use it again. Then when you try to contact Affirm, there’s no number to talk to anyone! How the F do you run a business with no contact information. I’m so beyond annoyed!",1,Works when they get sh** done right,
ScooterD73,FALSE,4/30/2020 19:22,Bought some rims and tires for my truck and it offered Affirm so I thought what the heck I’ll try it. Payments are reasonable and easy and they let you know with reminders that your payment is due so you don’t miss one. Interest is reasonable so I highly recommend Affirm!! Great company so far! Absolutely love it!!,5,Wasn’t sure but wow!,
1320 Evo,FALSE,4/30/2020 15:27,I recently finished a huge rebuild project on my car .  It needed thousands of dollars in work and it would have not been possible without the help and support of Affirm.  They offer reasonable interest rates and affordable payments.  I was able to pay off multiple loans over the course of the 2019. Thanks Affirm.,5,Awesome,
Lidia Flores86,FALSE,4/15/2020 7:20,I was pretty skeptical about Affirm at first but after reading the reviews I decided giving it a try. We’re a family of 4 on a budget and with 2 growing toddlers they tend to outgrow their clothes pretty fast. I was able to buy them clothes and their Christmas presents with Affirm. I definitely recommend using Affirm,5,Love!,
JacyTTc,FALSE,3/11/2020 20:09,"You can easily manage your loans with the app. You can get an instant approval/denial. No interest on what you owe and there’s even an opportunity to get a partial refund of processing fees if you pay off your balance early. I’ve used it to buy tires, book a flight, a hotel, and a rental car. It’s awesome.",5,Convenient and Simple,
Collazo_jr,FALSE,3/10/2020 23:11,"I love affirm, for me it is the number 1 app in the Market, with enviable loans and interests, I have only been using it for a year, and I have replaced PayPal thanks to this app I recommend it to all my friends and family, 100% reliable and safe, in My opinion deserves more than 5 stars, many thanks to the group of affirm",5,thank you,
nursejette,FALSE,2/29/2020 18:51,This program is great. It allows us to purchase things immediately and and allowing us to make payments. I was able to receive my orders immediately without having to pay it all at once.  Thank you thank you!!!,5,Thank you for allowing to get what I want ASAP,
rogerthatrocks1,FALSE,2/5/2020 7:40,They can’t make it any clearer or easier to purchase pretty much anywhere online with 0% interest loans. I’ve use them multiple times. No hidden anything. No gimmicks. No hard inquiry on credit. They must make money from the retailer because they haven’t collected an extra dime from me.,5,They rock,
bkev420,FALSE,11/8/2019 18:55,I totally love this company! They took a chance on me when I had very little credit at all! Now here I am on my second loan with Affirm and I can’t say anything negative about this company! They are 100% legit and have been helping me build my credit back up! Thank you Affirm for everything you’ve done! ⭐️⭐️⭐️⭐️⭐️,5,Affirm is GREAT!!!,
Zippidee-Do-Da,FALSE,10/14/2019 3:59,I’ve been using Affirm for a few months and I’ve had zero problems... The app makes it incredibly easy to post my payments; it’s very convenient! I wish paying all of my bills was this simple! Thank you for making this app and bill so simple and uncomplicated!,5,Great app! No problems!,
BeanyBaby82,FALSE,10/13/2019 14:40,Easy to use. Money comes immediately. Making payments are easy and can be auto deducted. Love the options on time frame payback. This place has been extremely helpful and convenient for me. I have recommended to several people.,5,Amazingly Quick and Convenient,
JDRSZ,FALSE,8/3/2019 14:03,I travel a lot and it’s financially hard for me. I am income limited. Affirm has helped with the anxiety it causes every time I go to buy a ticket. They are easy to work with. They don’t charge an outrageous interest. It has literally charged my life. This is the way I can continue to know all my grandchildren.,5,Airline tickets,
roruss08gti,FALSE,4/27/2019 1:04,"The first time using Affirm, I was a little hesitant because I had heard horror stories about quick loan app companies and their huge percentage rates. But since starting with Affirm, they have provided me with many opportunities for quick return loans for access to easy cash. 

Thank you.",5,Easy to use and great options,
MZMChi,FALSE,7/16/2019 21:55,"Affirm was easy to use for the first several months. Now, every attempt says ""cannot verify identity."" I reported it and they advised removing credit freeze, which has been done repeatedly - and it still doesn't verify me, and I have loans I am paying that are still active! I am done. Not going to keep trying to be a solid customer who has paid off every loan made to date. I will use Paypal Credit if need be, despite it being more cumbersome than this once promising shopping app. Or just shop less.",1,Cannot verify identity,
BusyMommyof3,FALSE,4/26/2019 3:22,"Love how easy it is to navigate this app.  Everything is easy to find and easy to understand.  Questions can almost all be found and answered in the FAQ link/section and when it’s not, you can contact the company via email.  Would definitely recommend!!",5,Great app and company,
02dr400z,FALSE,4/21/2019 11:16,"In short, this app made it painless to spend money online and allow me to purchase items without the guilt of putting money on a traditional credit card.  
Simply set up your payment agreement and your done!  I was emailed letting me know when my final payment was received!  Very good idea!!!",5,Surprisingly easy!,
Princess Avalos,FALSE,3/31/2019 16:17,"I’ve been using affirm for some time now and it’s coming close to the end of my loan. The app has been great when it comes to understanding, checking my balance and paying them on time. This loan app has been developed very well and I am very pleased with it. Good job developers! I hope affirm continues to grow.",5,Great app,
ReaperGhost187,FALSE,2/17/2019 1:14,"Affirm gives you credit when others won’t, I’m building my credit and this has been a life saver.. thank you, the app works flawlessly, you can get a E MasterCard through them and use it anywhere.. I do suggest paying more than the amount due to avoid fees..",5,Great way to pay,
dpx562,FALSE,1/27/2019 9:40,The Affirm app is so easy to use. Makes shopping easy when you can make monthly payments for high priced items. Little interest (depending on your credit) and you can pick the terms (monthly) that works best for you. No need for loans or credit cards. Definitely recommend this app,5,Easy app,
Mushpuppies,FALSE,11/25/2018 13:43,"Affirm is so easy to use. Request a loan, order what you need, then get a virtual credit card to pay for it. It’s great because you can get up to a year to repay it. It’s not like the never ending interest you continue to pay on regular credit cards year after, year after, year.",5,Easy to use,
Mercedes_mb,FALSE,8/17/2018 1:03,"Love Love Love this app and company. Literally have had them for a year now and have never had any issues. They approved me for $300 my first 7 days then they kept upping my limit. Now my limit is $2000 which is pretty awesome for a company that doesn’t do a hard pull on your credit. 
Highly recommend!",5,Perfect for anyone,
Svanhorn73,FALSE,9/11/2018 9:00,I followed the instructions on creating an account. Before I can move to the next section it starts to process before I can add the dollar amount I am applying for. The response is even more confusing. Decline and the answer is final. I have excellent credit with scores in the 700. I noticed as well that I am not the only who have mentioned that there’s an issue with the app. Please have your tech support team check the app for bugs. My husband tried and he kept receiving an error that they cannot identify his information.,1,App Failure,
Brandx1978,FALSE,7/8/2018 20:08,So far no issues! Great company and great app. Easy to manage and was able to get my family tickets to an event we wanted to go to without spending all the cash out of pocket upfront. Interest wasn’t that bad either so I’m pleased we didn’t miss out to get our tickets before bought out. Thank you!,5,Great app,
ted the taco,FALSE,7/4/2018 3:00,"Not a bad way to help you get some new kicks (or anything else for that matter) when you’re on a budget. Sign up was easy and quick, got approved right away and got some fresh new kicks. This will be my new shoe budget go to, once i paid off one pair on to the next!",5,Worth checking out,
le lion noir,FALSE,6/19/2018 15:43,"Does its job and is up to date, if I could give any advice, try to stay away from purchases that require you to use this. Save your money and use affirm to make up the difference if you must, but the rates a fairly low of you can, try to pay your balance early.",5,Pretty efficient,
ToyotadudeEdgar,FALSE,6/17/2018 20:44,"This app is honestly the best thing ever, I was able to buy this bicycle I’ve been eying for a while now, I contemplated getting it for the longest because of the amount until I came across this app, it enabled me to get the bike I’ve always wanted with a payment I could afford every month, so worth it, get the app!!",5,Get this app!!!,
@iheartwood,FALSE,6/13/2018 2:25,"This keeps it simple with concise payments already divided up and you also get to see exactly how much interest you’re paying.  No falling out of the terms as long as you make the installments. Highly recommend this credit product. It can get you out of a bind, per se.",5,Great Credit Provider,
TheKatieLee,FALSE,5/13/2018 23:22,Affirm is the best! You can get ore approved for a certain amount and use what you need from it and the rest is credited With autopay I never have to worry about missing a payment and it’s easy to keep track of your loans and pay them off early even right through the app!,5,Excellent and easy to use,
Sassafras1loop,FALSE,5/22/2021 18:01,"With Affirm, I am able to buy items in increments, with little, or sometimes even no interest. I am very comfortable with, and trust this Company to make my wishes and needs come true. You get to choose the length of time you need to pay it back, up to one year usually.",5,Thank You Affirm,
asilumpr,FALSE,1/3/2021 21:05,I was praying hard to get approval and boom. They help to have my computer and still in good  condition and working.  And all. Lower than other.   This is how really work and really work.    Great prices great payment lease thanks affirm.  Hope my next gaming. Can grow up in amount. 3000 over for a of. Pls,5,My gaming experience thanks to affirm,
10-33go,FALSE,2/27/2021 23:42,"First of all I have been trying out “Affirm”.
It seems to work fairly well. The issue I have is that I made a few orders awhile back and now I’m looking for a particular order. All you have is the amount I paid, there is no information on the exact item I bought, or any pertinent information regarding my order. If money was exchanged through you shouldn’t you have this information?
I checked the online company and they don’t have a place where I can see a history of my orders(“OUR PLACE”).",1,NO INFORMATION,
Ballonice,FALSE,12/14/2020 19:54,Affirm is the best app in the whole wide world it allows you to buy product and pay overtime to allow you to free up money to do other things around the house and take care of the projects I recommend it to all my friends and we all enjoy this app,5,Fast & Convenient,
jjjpay,FALSE,11/10/2020 22:38,Finally decided to try this offered to pay later. It was so easy! They didn’t even ask me for my bank information or Social Security number. $1200 loan that I have a whole year to pay and no late fees if I am late and really low interest! Awesome! So far it’s been great! Thanks Qtrip and affirm.,5,So far so great!,
jc4tmc,FALSE,7/1/2020 21:09,So there are a lot of times you just want to order something a little before payday or make monthly payments on it.  They offer either 0% or low interest rates with upfront disclosure of exactly what you will pay.  You can always pay the loan off early and there is no penalty,5,Affirm is great,
jeaniecheeks,FALSE,8/28/2020 17:03,I tried applying for a school loan for a trade school. Honestly it wasn’t even expensive. And yet I didn’t pass their “qualifications”. I have no debt and no credit card. I just wanted to get my credit score up. It took them two whole weeks just to update my account because I only needed my number change!! Why does it take so long just to change the number? Not only they didn’t approve for a small loan. I guess ya’ll don’t want money from people who are actually willing to pay on time. Stupid.,1,AWFUL CUSTOMER SERVICE,
bizvoice,FALSE,4/1/2020 3:16,"Over the past few years, Affirm has made it possible for me to upgrade several items in my recording studio with their fast and simple financing plans. I highly recommend Affirm as a great resource to help manage personal or business purchases!",5,"Fast, simple and affordable!",
phoebeloverofplants,FALSE,3/5/2020 19:48,With Affirm I have been able to get my whole family glasses through Warby Parker. I have been able to pay for our summer vacations with out worrying about money. Affirm is so easy and straight forward. I will recommend and continue using Affirm.,5,Has made my traveling possible,
Mandyriotmcgonigal,FALSE,3/24/2020 8:00,I’ve used a few times. All my payments on time and being consistent and a constant user and customer. What bugs me most is I’ll go from being prequalified for 1200 to nothing within like two weeks and not being able to qualify for anything for 27 days after that. How do I qualify for so much? Make all my payments on time and then suddenly not qualify for anything? Doesn’t make much sense. After everything is paid I’m probably not going to use this again. Will probably use klarna instead,1,Eh,
LaNicaRica,FALSE,2/29/2020 10:18,"Money to make your window shopping wishes come true! Applying is a true breeze, can’t get any easier, the process is quick and simple, apply today! You’ve got everything to gain, especially your inner wishes to come true!  Affirm is simply the best, a true smooth operating system.",5,Excellent,
Azortan,FALSE,2/27/2020 11:30,I know it’s a lender for money but they break down payments and show each payment up to the final pay off. I have used this for two major buys and I never had a problem. I will continue to use them. I would recommend this to anyone.,5,Great service,
DenelleA,FALSE,1/1/2020 15:09,This app is the best... my paycheck was deposited into the wrong account at Thanksgiving. Affirm approved me and I was able to purchase food for my family with the virtual credit card. You have no idea the relief I have knowing they are here when I need a little help. Love you guys. I tell everyone I know about you guys.,5,Life saver,
Bud11dy,FALSE,12/10/2019 13:25,"Would be a 5* if it would show you your line of credit. I know what I spent, but don’t know what I could/could of spent. Other than that I feel it shows you everything else you need to know as of right now. I have only been using it for about a month now.",5,Pretty good app,
Sc-79,FALSE,1/1/2020 1:16,"Strongly advise not using this.  Once an inquiry is made with affirm at precheckout, affirm assumes that the buyer is moving forward with Affirms outrageous interest rates and processes the transaction without completing the purchase on the merchant side.   Cannot cancel directly with Affirm, must call merchant, but wait!! The merchant doesn’t have any record of the transaction because it was never completed at the merchants site!  So I wait for the processing to fall off on the Affirm side ... and I wait ... and wait.... and wait.......",2,Poorly executed,
diannah72,FALSE,12/9/2019 14:13,"I was approved for financing in just a couple minutes, filling out the information took longer than the wait for approval. Payment reminders are sent, it’s easy to make a payment and keep up with the balance owed. Very user friendly!!",5,Easy and reliable,
cmb101009,FALSE,10/20/2019 19:46,"With affirm, I was able to quickly and easily get approved and make reasonable monthly payments on something I needed right away. The approval process was so quick and easy. I am so thankful that I found this and will continue to use and recommend to friends and family.",5,So thankful,
Crime Dad,FALSE,10/14/2019 20:52,"I got the app to manage payments for a family vacation my wife and I decided to finance. It’s super easy to use, simple to understand and takes a lot of the effort out of similar transactions you may have on a web page bill payment.",5,Easy to use very helpful,
woody chong,FALSE,8/30/2019 0:18,"Affirm is great! There fore you when you need them to be, or just want them to be! Make it possible for you to buy something now and pay over time without gouging you an arm and a leg! No hidden fees, every thing is up front and they got your back! Thanks Affirm!",5,There when you need them,
Kenn347,FALSE,10/11/2019 18:31,I downloaded this app with high hopes as there are so many stores that utilize this as a payment option with little interest! I hate that I am having so many issues with the app! I would love to say good things but unfortunately so far the app freezes and has yet to send me conformation text codes it’s really frustrating... I hope the future updates will fix these problems! Until then I am going to have to use a different similar application... Sad to say I would not recommend this one 😕,1,So Slow,
xwizkid1,FALSE,4/16/2019 16:58,Great loan offers. Straight forward terms. Extremely easy approvals great for quick purchases. Or even unexpected expenses. Competitive rates depending on credit history of course. But a great alternative to charging up credit cards. This way your payments are set like a loan and stay on track!,5,Affrim is easy and a great help,
Ivette Q,FALSE,3/28/2019 19:45,Affirm is great because you can be approved right away without having the best credit for most stores. It also has affordable monthly payments. I would definitely use them for most of my shopping and the interest rates are low. Thank you Affirm for your approval!!,5,Flexible payments,
Ky Lavey,FALSE,1/23/2019 1:43,So I find this app easy to use and the apr % are so low that it’s easy to pay this off months in advance. I needed some things here now and can pay my three monthly payments every two weeks instead of dropping a lump sum of money and struggling until the next check!!,5,I’m in love,
Beccaaaa_oweennn,FALSE,2/21/2019 21:11,"I got this app after a friend told me about it so I could replace my phone...after
Signing it, it showed an address I haven’t lived at for 7/8 years so I corrected the address...I was denied for a loan. I reached out to the support group and asked what I needed to do and that I thought me correcting my address was why I got denied. They gave me a super vague response. So I emailed again a couple days later, the response I got was completely rude and still did not answer my question at all. I give up, this app is terrible their “approval” process is obviously a joke.",1,TERRIBLE,
keeyun64,FALSE,1/11/2019 15:42,"I would recommend this App to everyone. I love having the option of seeing the percentage rates and being able to purchase items at 0% if paid in full by a certain date, from stores offer that service.",5,Love AFFIRM! Makes paying so much easier.,
Chim-Chim,FALSE,11/25/2018 3:47,"Found the trip I wanted to take, went to Affirm, approved instantly, went on a great vacation, started reasonably payments the following month!! How great is that...what a great idea to get what you want and pay overtime and I even know how much interest I will pay up front. THE PERFECT WAY TO PAY.....NO CREDIT CARD NEEDED and the best thing is ....No strings attached.  I AM IN LOVE THANK YOU.",5,FANTASTIC PAYMENT SCHEDULE !!,
CJ727,FALSE,12/22/2018 6:21,"I really like affirm I was able to buy something I was wanting for a long time. The process from beginning to actual product in my hand was less than a week. I like the ability to pay monthly for my stuff but I didn’t like the interest rate so I paid it off early, but overall Affirm is an excellent company.",4,Great way to pay!!!,
duped1984,FALSE,12/21/2018 14:03,"If your working on improving your credit stay away from affirm.   I had 3 different loans with them and paid them all off in oct 2018 in order to buy a house.  Here it is December and they have been reporting my loans as open and late ever since.   No customer service to speak of for help on this and a dispute filed with the credit bureaus resulted in them validating that they are delinquent. Lost 100 points and will take a while to recover.   Have filed another dispute and will probably wind up having to get an atty
Beware!    Not worth the hassle",1,Warning,
camerjb,FALSE,11/20/2018 14:30,This is the easiest app I have ever dealt with and almost makes me want to make more purchases because of the ease of use it includes. Makes large purchases not a hassle at all and you can customize your payments to a certain extent. EXTREMELY INTUITIVE!!! 10 stars if I could,5,Easiest most convenient app,
Markknight85,FALSE,9/10/2018 0:19,"I used Affirm because it was a 0% financing option, why not borrow someone else’s money for free while my money continues to make money. The terms and payments were easy to understand and the website/app are very easy to navigate and use. 5 stars to you affirm!",5,Affirm is a super easy and safe way to buy,
Markknight85,FALSE,9/10/2018 0:19,"I used Affirm because it was a 0% financing option, why not borrow someone else’s money for free while my money continues to make money. The terms and payments were easy to understand and the website/app are very easy to navigate and use. 5 stars to you affirm!",5,Affirm is a super easy and safe way to buy,
Inkyvillya,FALSE,9/9/2018 12:52,Affirm makes shopping hassle free but creating an easy to use app that allows you to apply for a virtual credit card that gives you opens to pay back with low interest and one click of a button from your phone. Highly recommend.,5,A shopper’s dream,
meetme4tlake,FALSE,8/14/2018 10:46,I first used affirm when ordering from DollsKill. I was amazing I could have my outfits without any money down basically. Now I’m going to use this app to affirm designer bags or anything my heart desires!! The best part is it’s only one payment a month. Not twice like this other app called sizzle. Highly recommend,5,So Convenient,
Juulliiaan,FALSE,6/28/2018 23:57,"This app has it all, no matter what your looking to buy it will be worth it to use affirm. Build your credit, spend less than a large lump sum, and the interest rates are unbeatable. I love this service and couldn’t ask for anything better!",5,"Easy to use app, excellent service, great interest rates",
pkirby11,FALSE,7/12/2018 23:29,But they are just like every other financial bank and they run a hard credit check when you ask for more. They don’t base it off any other factors because I had two loans both paid on time and early and yet when I wanted more I got denied the amount I needed all based on my credit score. My paying on time and early never entered into it. Don’t let them fool you they are just like every other financial institute.,2,Want you to think they are different,"{'id': 4340395, 'body': 'Hello - we only ever perform a ‘soft’ credit check to help verify your identity and determine your eligibility for financing. This ‘soft’ credit check does not affect your credit score.', 'modified': '2018-07-21T21:16:05Z'}"
MollyTour,FALSE,7/8/2018 22:48,They don’t give you much money and when you verify your bank account it doesn’t work. I’m hoping by paying off the loan sooner they will allow me more credit. I have been approve on their sites but when I don’t finish the transaction they denied my original approval. I just don’t get there thought process. Approving you one min then taking it away. Their customer service is useless too. Good to use for one purchase but would not recommend this to anyone.,1,When you verify your bank account it doesn’t work,
nlmccre87,FALSE,6/2/2021 21:48,"Anyone who knows me knows I have an addiction to shopping for camera equipment. Affirm let’s me make a small down payment and pay the rest over time. With timely payments, your credit limit can increase. It makes budgeting larger purchases a breeze. Love this!!!",5,Affirm is a good way to go!,
MeliMel124,FALSE,4/23/2021 12:49,Affirm has helped me get all the supplies I need for my Nail Business @_studio_831 (on Instagram) it’s definitely been a life saver as I can’t always purchase all my supplies in one shot. Affirm has allowed me to get what I need and pay it over time. I will continue using them for all my business needs!,5,I love Affirm,
suprchyk78,FALSE,4/20/2021 12:08,"I just want to say thank you to affirm for allowing me the opportunity to finance.  I could actually take my kids on vacation for spring break. It has been years since we got to do anything like this. I will definetly be doing this every year! With the help of affirm.
Sincerely a grateful mom",5,Single mom Vacation time,
myhalloweenhorror,FALSE,1/9/2021 17:27,"I'll keep this review simple. Affirm is awesome. They are far better than most credit cards (and I have 14 of those!), simple to preqialify and the terms are extremely straightforward. I currently have small 4 loans thru you guys and I believe 3 of them are ZERO percent interest! You guys rock!",5,I absolutely love Affirm and use it frequently,
17Camaross,FALSE,1/5/2021 17:48,It’s like having a credit card with out all the added interest. Especially when you need car parts and can’t afford to pay for it all at once really helps to make payments. Glad I found it and gave it a shot.,5,Convenience,
AshleyinDC,FALSE,6/6/2020 2:39,This app is a gift from above! I will never use a credit card again for retail purchases as long as these types of apps are available. They keep you way more accountable and in control. Plus if you can get purchases for 0% APR - that is a NO brainer.  Love love love.,5,Amazing alternative to credit cards,
Solely.,FALSE,10/23/2020 14:44,Interest rates are too high.  Quad pay is the better option.  Watch the interview on you tube with the owner of this company he’s super shady.  They make you send them a email to delete your account even though they didn’t approve  my Credit balance . After emailing them they told me it’ll take a few weeks depending on the information provided . Lol this company is a joke keep your credit  to your self at all cost especially minorities. Use quad pay or a low interest credit card .,1,Don’t use this app,
FrostMURDER,FALSE,5/21/2020 8:23,"Absolutely amazing! This has helped me out so much! Only issue even after never missing a payment and taking out thousands and have nothing left to pay off, I couldn’t qualify for anything even with great credit too. I don’t understand that part.",5,Great!,
Marconi Fam,FALSE,5/19/2020 0:07,A mom who has kids in the military and for me to make it to their graduations I was able to get tickets through affirm and make payments on such expensive plane tickets that I would not normally be able to get. It’s been so nice. Payments are reasonable and the app is easy to use!,5,Saved me!,
C-row850,FALSE,4/27/2020 11:47,"I was really skeptical about using this service when it was initially offered to me.  After a recent separation and my funds being a little tight, it’s been a life saver.  I’m still waiting to find out what’s the catch, because it still seems a little to good to be true.",5,Skepticism,
Ari Mdina,FALSE,2/25/2020 13:25,"I love Affirm, payments are very flexible. I’ve taken a couple of loans, and it’s really worthy. When I’m almost done with one of the loans, I just pay it off. I would recommend it to anyone that needs a loan. Give it a try, but make sure you pay and on time, so that when you need another loan, Affirm will approve it. 👍🏽👍🏽👍🏽",5,THE BEST LOAN,
usedtolikeit2020,FALSE,4/22/2020 2:37,"Get low stars because don’t allow you to use the card everywhere. It advertises you can use on eBay then it denies use saying it violate section 4 of terms when it clearly said prior page you can use on eBay. 
Customer support difficult to get in touch with. No phone support, only email that can be up to 48 hours when your trying to solve a problem immediately.  If not for those issues they would be 5 star.",2,Support,
2dthoughts,FALSE,3/9/2020 17:24,"Had an available credit line of over $2500 after buying a drone a year or two before.  Didn’t touch but recently decided to use a couple hundred dollars until I signed back in and was told I was being rejected because it couldn’t verify who I was, which would be okay if it tried to verify anything but it doesn’t.  I even remembered on first try the password I had used when I set it up.   Screen says to check back in thirty days.   LOL.  
Will be deleting",1,Can’t verify that this app is worth having,
Dakyngroberts,FALSE,9/26/2019 12:32,"I love companies that have apps where I can make payments, and rarely have to call in. For me the app never crashes and is extremely easy to understand. Thank you for making this process easy and pleasant. Have been using app for four months now.",5,Easy to use,
SBonner,FALSE,12/28/2019 3:23,"Things were good until it came time to schedule payment.  Payment was scheduled, then received notice from my bank that three payments were withdrawn from my account.  I cannot talk to a live person.  And the request for refund process is cumbersome.  I was promised an email helping me correct the problem but twelve hours has passed with no email.  My bank has told me they will return the two extra payments Affirm took.  Thank goodness for real people!",1,"Not easy to contact, watch out for doubles payments",
Mesadad,FALSE,9/26/2019 12:04,"Affirm is a great program and easy to use. If not for the interest rate, I’d be tempted to use it more. If your looking to improve your credit score it’s a good program to use. I’ve used it a few times for small purchases. I’d give it a higher rating if my internet rate was lower",5,Easy to use,
MARKHIGGINS76,FALSE,9/24/2019 19:00,"Affirm made the process of purchasing a new phone a breeze, I was approved for the iPhone XS.
 The monthly payments are very affordable and not tied to my cell phone bill. I actually prefer having two separate due dates vs one big payment. 
The entire process is so streamlined and easy. 
No interest, no late fees, none of the crap that other companies try to pull by adding this or that fee. The Affirm app makes handling my payment a joyful experience. I will certainly use Affirm for more purchases in the future. 

Thank you Affirm for having a solution that works for me! 

Mark H.",5,Affirm was ready when I needed a new phone,
Michael redbarn,FALSE,9/21/2019 19:19,"I’m really grateful for Affirm and the businesses that accept Affirm. Wether it’s been for event purchases for my daughter’s birthdays or for furthering my own musical passions, Affirm has allowed me to pay over time , w/o interest, on a few things that really make a big difference for our quality of life.",5,I use Affirm for my wish list,
casomac,FALSE,8/22/2019 4:23,"This is a very nice feature for purchasing items. You get to purchase items and see if you like them, and if not you send them back and you are refunded promptly through this service. Highly recommend trying it out.",5,Very convenient,
Blondiegirle,FALSE,6/26/2019 5:47,Affirm is the easiest loan process ever. They give you results in seconds and if you don’t use it within 7 days it just drops off. Huge credit lines and interest rates are fine especially if you can pay it off early. I’ve used it 4 times in the past year.,5,Best ever,
HamVillegas,FALSE,4/11/2019 17:49,"Honestly, I never felt this comfortable making payments. They give you all the freedom and trust no other bank is going to offer. Also, I was never late and already paid 2 loans, going for my next 2 loans. Thank you Affirm, I’ll continue to do business with you.",5,Best payment options ever,
Qu-Blanc,FALSE,3/1/2019 12:11,"Affirm is arguably the best at what it does but the payment processing period needs to be cut down. 3 days is cool but 5 is just to long for the customer base (people living paycheck to paycheck). Affirm let’s their money sit in customer accounts for too long, meanwhile life keeps happening and next thing you know, your account is overdrawn.",5,Affirm,
BORYCUA,FALSE,2/27/2019 15:32,Awesome way to purchase items you need or want with the opportunity to pay on monthly basis. Interest rates are low and no hidden charges. Amounts paid extra will reduce your last payment and/or shorten your monthly installments. I love this! I have two loans already paid in full and my offered loan amount increased.,5,EXCELLENT APP,
anactualpotato,FALSE,2/27/2019 0:39,"The app is clean cut and easy to use, there aren’t ever any issues when trying to make payments and it’s easy to navigate! It’s helpful to be able to see very clearly my loan terms and pay easily while showing the most up to date amount due.",5,Honestly really helpful!,
christopher-33,FALSE,1/17/2019 4:11,Very easy to use. Automatic payment arrangements made for you so you don’t have to keep up with the payments for convince. I would recommend Affirm to anyone that would love a line of credit with a legit  company. Plus you can use Affirm just about anywhere for your online purchase I give 👍🏻👍🏻,5,$Affirm review$,
Pyle Parkinson,FALSE,1/4/2019 14:09,"Affirm has it down!! Easy to apply, easy to get approved, easy to manage and just easy, easy, easy. As I think about it now it’s almost too easy! Makes you want to buy more and spend less since affirm gives you that ability.",5,Great app along with great service,
Bella Ha,FALSE,12/12/2018 11:47,"This app is super easy to use, and very helpful. I love how i can manage my payments on time. This app incredibly help me raise my credit score super duper fast. I just need to set auto payments and it does all the works for me. I also can check how much money that im qualify for without hurting my credit scores. Love Affirm",5,Greatest app ever,
annanaanaa,FALSE,11/23/2018 19:57,"I have used affirm about 3 times already for big purchases and it only has a small fee. The app is supper fast and Easy to use. This is my go to when I want something and don’t have the money yet. I don’t have to wait, I can just get it and make small payments.",5,Fast and easy,
BrutalSage,FALSE,11/23/2018 18:44,"Had a couple times where some appliance have died completely or had to purchase a new bed and we’ve used affirm to help replace them quickly. Great service, and the app allows you to use Apple Pay which makes it that much easier and better to use.",5,Great in a crisis,
Ty_Dolla,FALSE,8/23/2018 12:22,This app is amazing I can’t thank the creators enough allows for easy payment and keeps track of your payments made as well as upcoming payments. The virtual credit card which can now bc added to Apple Pay is really awesome and easy to use. 10 thumbs up for sure if I had 10 thumbs lol.,5,I Love It,
nikki121782,FALSE,5/20/2018 2:11,This app has expanded so much. The interest rates are the most responsible I have found and payments are low and easy to make! If you use them and pay off your loans on time your credit with them greatly increases allowing bigger future purchases including vacations!,5,My favorite shopping APP!,
Lyric'sMeMaw,FALSE,9/16/2017 9:23,"Affirm makes it happen!  By giving me an option to buy now and pay over time, I have been able to purchase big ticket items I wouldn't have been able to without AFFIRM 👍🏼.  Thank you for my Casper in 2015 & now my Purple in 2017. Would not have happened without such an amazing company!",5,THE BEST!,
gunapp fanatic,FALSE,12/2/2020 21:10,Usually I stick to financing car parts that are going to be 1k and up and I’ve had an awesome experience with affirm overall. The app is super helpful and made making payments convenient and easy. I don’t regret using affirm at all. 10/10 will use affirm for future purposes!,5,Worth it,
help Tracy,FALSE,4/16/2021 19:17,It won’t let me change my payment method. Declining my new card number and when I went to help center is texts me a number to enter to get to a link where it says I can update my payment but I am entering the exact 4 digit number it sent in text but it says it’s not valid. I lost my old card and just want to update to the new one before it tries to update the old one and fails but super frustrating that it isn’t working!  Also can’t find a number to call as last resort,1,App is horrible,
BoBergemann,FALSE,3/3/2021 19:06,I ordered an appliance which arrived not working. I complained to the company and they were slow in responding.  I finally heard back and with that company’s permission I returned the appliance.  Tracking shows the company has had their defective product back for weeks.  Still no refund yet I am still making AFFIRM payments on it???  I have contacted the appliance company and affirm again and am still awaiting any response.  This has been going on over several months and really needs to end now.,1,Affirm did not listen or help me,
paulhomedorder,FALSE,7/1/2020 12:53,I was in the middle of a renovation and needed an item quickly. I was able to get a lower interest rate with this service than if I used a credit card. Saved me money and was able to pay it off quickly!,5,Quick help,
Markjf39670,FALSE,7/25/2020 19:16,"I have used this app a lot, I have  been approved for purchasing different things on numerous occasions. I have paid off all I owe and was looking to buy something else I don’t have all the cash for. When I went to go and but the item all of sudden affirm did not approve me. What gets me is my credit score was lower before the times I was approved to spend. Lately my credit score has gone up significantly and they will not approve me. What a joke don’t think I will use this app no more!",1,Would not recommend,"{'id': 16909245, 'body': ""Oh no! We're sorry to hear about your recent experience applying for a loan with us. Please note that each loan is uniquely underwritten and results may vary after applying. For more information check out our Help Center affirm.com/help or connect with our team at help@affirm.com!   /Affirm Care Team"", 'modified': '2020-07-27T20:31:26Z'}"
BrinaF10,FALSE,2/24/2020 13:33,This Affirm App Is the greatest thing that happened to me. I have 2 items I am paying for but didn’t have the money up front. It works with my budget. It works great for Christmas time also. The reminders are very efficient and posted payments right on time. Thank you.,5,Account,
Bigmikef4120,FALSE,5/26/2020 18:35,"Made first purchase with affirm with no issues, thought it was gonna be good for future purchases. Paid in full before first payment due date, still charged me interest!! Even though that happen was gonna give it another go, we’ll went to prequalify and it denied me!! Makes no sense I have really good credit with 100% on time payments. Maybe they don’t like people who pay in full, they get anything from it. Gave it a good, I will not be making anymore future purchases with Affirm!!!",1,Approval,
NicoleWeil,FALSE,4/5/2020 21:38,I’m familiar with many different companies but I will never ever shop with Affirm ever again after their lack of response and acknowledgement for COVID19. I made a payment a little late after reaching out to them FIRST and advising them. They emailed me back with a generic and canned response. I made the payment 5 days late and my credit score dropped THIRTY points. Screw these guys. Can’t wait to get it paid off and be done with these guys. Even the insurance companies are doing more than these guys. Shame on you Affirm.,1,Do NOT trust this company with a single cent,
Savolitutu,FALSE,2/1/2020 13:45,This is my first major online shopping for the holidays and I was fortunate to come across Affirm to purchase items that brought tremendous joy to my family. The ease of the process for approval and to pay is by far the best in finance and technology. I would highly recommend using Affirm!,5,First time user,
SMC650,FALSE,1/22/2020 4:08,"This is one awesome app I just finish my 3rd loan , sometimes you just don’t have the money in hand for the things you need (new bed in my case ) came in handy when I really needed it ! 

The other 2 loans where just things I wanted , they give you 3 options for payment with the loan fees displayed for you ! No hidden fees no late charges (I was late a couple times not going to lie) 

The faster you choose to pay the less you pay in interest , my last loan I paid in full after one month I saved on the interest charges !

Love this app !just don’t bite off more than you can chew !",5,Awesome app,
Rex is saved thru Jesus Chist!,FALSE,8/30/2019 0:08,"Started using affirm when I started my hobby... so glad I am able to do payments of my big purchase, which one calculated fee decided into payments with your original purchase price in payments too. Makes life happier...",5,I think it’s better than credit card...,
T.Painizzle,FALSE,7/29/2019 21:32,Used this app to finance a purchase and I was shocked when told there is 0% interest rate (that a big plus in my book). So far the app is extremely easy to use and I would recommend this to anyone looking to finance a large purchase.,5,"Easy to use, Easy to pay, great app",
need something different,FALSE,7/5/2019 0:17,I enjoy the Affirm app almost 100%. The only problem is that I have autopay activated and it never automatically takes the payment. I always have to check to see if the payment was made and as always it hasn’t and I have to do it myself.,5,Almost Satisfied,
Jason#529,FALSE,7/3/2019 22:09,It just says I am not approved for a loan at this time.... but then I go onto a website and just ordered parts and was approved instantly. My credit score is over 630 and the minimum to be approved is a 550 I believe. The app is just not refreshing and it’s very frustrating,5,App won’t update my credit score,
Shelley W,FALSE,3/20/2019 22:34,"I have used this app and service for several large purchases to break up into manageable payments to fit my budget. I love the reminder ahead when it’s due and I use auto pay. 
Pay off in 6 months interest free. 
Easy, efficient and very user friendly.",5,Awesome Service,
I question your authenticity,FALSE,5/11/2019 13:04,"Affirm was once very helpful when in a tight spot financially, but they change the stipulations at their convenience. It was easy to speak with a customer service representative  over the phone, but now you can’t find a number anywhere throughout the app, and the search option doesn’t recognize the request.
I find this dynamic to be incredibly inconvenient and to be a deceptive business practice!
If you want a higher star rate, then keep your customer service accessible.",1,Questionable business practice,
Ruger 1,FALSE,2/19/2019 1:34,Having the Affirm option is allowing me to do truck projects I wouldn’t have gotten done hardly at all. Being able to make installs happen instead of just dreaming about it. Thanks. The AP is very easy to navigate and make payments on. I’ll recommend them to anyone!,5,Love It,
Neecy820,FALSE,2/11/2019 20:42,"I’ve used Affirm lending for many years now.  My credit isn’t perfect but Affirm has always been there for me when I needed a small loan to help with a purchase.  I love their fair and upfront pricing and being totally transparent with their customers. 
I highly recommend Affirm lending without hesitation.  Thank you Affirm!",5,Transparent lender,
Muircheartach,FALSE,1/9/2019 2:45,"I first used Affirm to pay for a 17.3” laptop a year ago. Great company, very transparent and honest in their business dealings. 

The Affirm app makes getting and paying loans simple and quick!  I installed it and had a loan approved in less than five minutes.  

Nice folks on the backend too, if there are questions their Q&A don’t answer.",5,Awesome app - awesome loans!,
Maximosseas,FALSE,1/7/2019 9:21,"Based on my experience, Affirm is definitely a fair and balanced company out there to help you to get what you need through very awesome rates. I really recommend them just for their professionalism and interest to help you get what you need. Everything is upfront and easy to setup. Take advantage of a great opportunity.",5,The Best App Ever,
Hbrist,FALSE,11/1/2018 23:01,"User is unable to make simple changes.  Have to go through AFIIRM.  Only things it’s good for is seeing what you owe, ask for new loan, look at previous loans.   You can’t change bank information and other basic information.",5,Poorly designed user interface,
tbp222,FALSE,11/19/2018 18:53,"I had high hopes for using affirm but I am very disappointed. I am able to find my bank in the list of banks but when I put in my login information I get the message “cannot find active checking account” . I have an active checking account, and I do not know why it would say this. I have tried a few times to write to the help and they do not answer my question or help me at all I keep getting the same automated answer “you need a checking account”.",1,Doesn’t recognize my checking account,
Ewolf111,FALSE,10/25/2018 5:30,"It’s a seamless process very intuitive And In a pinch buy or a whim purchase This company allows you to easily close a transaction without much fuzz.  Heavy rate of 24% though .  So if you’re planning to pay it off in a month or two no big whoop!
Long-term I wouldn’t recommend it.",5,Like the set up hate the rates,
Nekrofox,FALSE,10/20/2018 15:28,"I started using affirm when my other half suggested it as a credit option, for when times are tough; it was incredible! :)

As I used it over the months, I hadn’t realized my amount had increased, it was the perfect solution for last minute gifts, vehicle repairs, etc! 

Thanks Affirm!",5,Credit Awesomeness!!,
Mine is mine,FALSE,9/1/2018 23:28,"I have used Affirm a couple of times to purchase merchandise. They are so quick to respond to loan requests, many times within seconds. The payment schedules are easy and they send you reminders of when do. I love using their service and highly recommend them.",5,Awesome company,
Apache -=CW=-,FALSE,8/22/2018 22:10,"The app is great! It lets me see where I stand with my loans. Affirm itself is great! After my divorce and thanks to my ex, my credit dropped from sterling credit to the mid 500’s. Life doesn’t stop and I found myself needing to buy things now. Affirm made that possible for me. And I’m building up my credit again!",5,Affirm is awesome,
justburrito,FALSE,8/15/2018 23:17,"I was able to get some airplane tickets for my parents to come visit at 0% interest. Along with other small purchases, affirm has better APR rates than any of credit cards. A go to when trying to increase your credit with small purchases.",5,Simple to use,
Acid Writer,FALSE,7/10/2018 18:04,I’ve made all my payments early (before due date) and even paid off early!!! You would think that would earn me something with this company but alas they want nothing else to do with me. I think they just make one time loans cause there a lot of phony reviews out there,5,Be Careful,
Matthew Kennedy us,FALSE,7/4/2018 15:30,"I used this app to buy one of those purple beds and I was terrified about hidden fees and the run around that goes along with these high tech loan shark apps. 

AFFIRM totally lays it all out for you! Monthly payments, Readable statements and the option to pay early with no penalty! 

My personal favorite part... NO FINE PRINT! They make it easy to understand your options and spell out how much interest you will be paying or saving if you pay it all off in one chunk.

Bottom line they get a 6 out of 5 stars because they’ve made it possible for me to sleep on this cloud of a bed. 

Use AFFIRM to buy a PURPLE mattress :)",5,Total skeptic. Totally impressed.,
eli9117,FALSE,6/14/2018 14:49,"I have used this app twice now, both for trips , one to Europe and on somewhat local. I love how easy it is to use and it allows you to decide how you want to pay it back. Also great for emergencies, because most retailers accept affirm.",5,Such a great app and way to pay off things you get with it.,
Hello it's me a game Rater,FALSE,5/12/2021 12:25,Easiest app I have to pay a Bill. Love it! So fast! Takes no time at all. Easy to update payment method. Sends me reminders so I don’t forget. Able to set up autopay if you like. Looking into getting some couches and saw they use affirm and I was so excited! Perfect! Thank you Affirm!!!,5,Quick and Easy,
Shawnrat01,FALSE,2/5/2021 23:11,"I didn’t have to wait for my payment to be drafted, I was able to use the app and make my payment earlier than scheduled while my funds are available. Very simple to use. And Affirm approved my credit the very first time! On time when I really needed a new bedroom set.  Interest free!!! Thanks, Affirm!",5,Love it!!!,
Avaatty,FALSE,1/17/2021 16:55,i’ve never seen a company so annoying in my life. i was trying to sign up for an account and after i did it says they couldn’t identify my identity when i put all the information that’s true about my identity and they won’t let me go back in my account to check if i made a mistake and i emailed them and they won’t let me go with them ever again! what kind of business is this? you think you would let me re check my account in case i made a mistake! it’s ridiculous!,1,Annoying!!!,"{'id': 20487006, 'body': ""We're sorry to hear about your recent experience applying for a loan with us. These denials do not mean you will never be approved with Affirm as each loan is underwritten separately, and we may be able to approve you for a loan in the future. \n\nConnect with our support team for any immediate questions by referring to our Help Center or calling us at (855) 423-3729. \n\nBest,\nThe Affirm Care Team"", 'modified': '2021-01-19T00:03:48Z'}"
The Great Gorge,FALSE,12/10/2020 3:29,"I have had two loans with Affirm.  They process is simple and I know what my APR is up front.  If I pay off early, I save the interest.  The app shows everything clearly, both payment history as well as upcoming payments.  I will continue to use Affirm when the need arises!",5,Great Flexibility,
IAMPUREINSANITY,FALSE,10/8/2020 18:14,Not everyone can make a big purchase that they need cause not having the full payment on hand with affirm it has being a blessing be able to purchase the things that we need without having to make a loan with high interest,5,Best thing ever,
Shok. Gizzle,FALSE,3/29/2020 1:24,"Ever since I've noticed there was a company named Affirm where I can purchase items and make monthly payments, I've fell in love with the company. Thank you so much for having this business in action and please keep up the good works. I personally give every worker 10 thumbs up.👍🏼",5,My review about Affirm,
monieluv,FALSE,8/5/2020 21:26,"I have been using Affirm since Early 2017. I brought about $15,000 worth of stuff and paid back every cent on time and always way before time, even during this rough financial climate. Now for about the six few months I’ve been unable to get approved for any new loans despite my great payment history time as a loyal customer. I have great credit and have no clue as to why I’m being denied. I have one loan left to pay and will be deleting this app after that as it no longer serves a purpose.",1,Used to be great,
Amir Iphone6,FALSE,1/7/2020 18:29,"It is hard for me to use your method of payments un friendly user when comes to shop I would like purchasing more item but having difficulty to use your card needs change the method of payment process 
Thank you",5,Using Afrim,
EIC509,FALSE,11/27/2019 7:05,All these negative comments are people who try to work around not paying the loan back. All excuses don’t abuse the app and it won’t treat you “bad”. I love it and helped me out a lot. Only thing I noticed is they don’t report to Credit agency’s probably only if you don’t pay back,5,Works as Promised,
sollygoat,FALSE,1/5/2020 1:43,"Extremely easy to use the app, and the service itself helps you buy items you might want but don’t have all of the cash on hand. Reasonable repayment schedule and easy to make payments on time with direct draft. Interest is high but where is it not. Good way to restore your credit too.",4,Good service and app,
5Mastermind7,FALSE,10/30/2019 22:35,"When no one else would, they did! has been the best thing happening for me! Especially when my girls join softball and and make check did not clear yet. I was able to create a virtual card and buy all their softball equipment! Thank you so much!!!!",5,Just Wonderful!!!!!,
kinney13,FALSE,9/5/2019 15:07,I have told numerous friends about Affirm. It has enabled us to purchase items that we needed for the house and baby and vehicles and pets. We love having the ability of purchasing and paying off quickly. Thank you Affirm!,5,Extremely useful and convenient,
Steve-Go,FALSE,6/10/2019 14:07,"If you feel like you really need/want something, this app is perfect for just that. You don’t have to start paying immediately - you get about a month-ish. Gives you time to save up for your payments or just peace of mind...for a month. 10/10.",5,Great App for “Small” Purchases,
Mizmellymac,FALSE,3/13/2019 23:20,"This app is intuitive, easy, and upfront. What you see is what you owe. There is no second guessing hidden fees or remaining balances. I’m a single mom and can finally afford to take my boys on a little family vacay. Affirm helped me break it up into manageable payments and handled transactions with ease so I don’t get behind.",5,No guessing here!,
joikjh mmhgs,FALSE,1/7/2019 12:36,"Better then traditional credit cards. Interest rates lower easy to use, purchase will be paid off in 12 months or shorter. Highly recommended for people who want to establish credit an easier efficient way.",5,Better then credit cards,
SheFromTheBX,FALSE,12/8/2018 3:41,"Can be used almost everywhere. I have used for emergencies like auto parts couldn’t afford out of pocket, last minute gifts and things I would t usually purchase for myself because of cost. With affirm, the small payments are great and you get rewarded for early pay off! Love it!",5,My Best Friend,
TopFranco,FALSE,10/16/2018 18:29,"I was hesitant to utilize Affirm at first, but since I started using it in January it’s saved me a few times! Very easy to get loans and pay them off. The only downside is it doesn’t build credit. Over all, this app is great if your in a bind and need quick cash. (Or just want to buy a new exhaust)",5,Great for micro-loans!,
Vinischeuer,FALSE,9/17/2018 0:46,"It’s fast, reliable and the customer support works really well. I am currently two loans in and hadn’t had any issues using them. Payments plan are easy to setup and you can see if you’re pre-approved without hurting you’re credit score. Definitely recommend!",5,Love using Affirm,
dt0519,FALSE,8/31/2018 11:00,"Awesome way to finance things you may need , interest rates are a little high and does not report to credit bureaus to raise credit score ( from what ive read) how ever if there is late payment it does affect you. 

App usage is amazing how ever. Wish my car loan company was this versatile with an app to make payments .",5,Great way to Finance,
Clayton3201,FALSE,8/19/2018 12:01,"This app is extremely easy to use! Not only is it great for showing you what your prequalified for but it shows you where your at on your current loan. 

Also you can’t beat how transparent Affirm is. Highly recommend this option to finance a big purchase.",5,Ease of use,
madchicken,FALSE,7/16/2018 17:56,"I started using Affirm to buy a Onewheel, paid it off, then bought a Purple mattress. As long as you keep yourself in check and don’t miss payments, this company has your back when you need a small loan for car repairs, a new washer/dryer, etc - it’s come in handy for me multiple times. 😄",5,Using Affirm wisely,
Charlie - Paintball,FALSE,7/16/2018 16:21,Affirm is a pretty cool idea in general. The App makes it amazing. I find something I like. I choose the Affirm payment option. Choose my loan option. Make my payments. They text you a reminder when your payment is due which is very helpful. For small loans I would def recommend Affirm and their APP.,5,Super easy,
Nurse Marcia,FALSE,6/4/2018 3:09,This app is very helpful with reminders and allows me to make payments very easily for desirable products. It seems many things are very expensive in the Bay Area these days. It’s nice to have a tool that makes things a little bit easier to acquire. Appreciate the opportunity!,5,Economically feasible!,
Eocampojr12,FALSE,5/25/2018 9:39,"Bought few items for my truck with this virtual credit card, gives option to pay off in 3,6 or 12 months on certain purchases. And the app is easily understandable.",5,Easy online credit,
Lebigsexy,FALSE,10/13/2017 5:19,Choose where you want to shop. Gives you a certain amount of money as a loan and choose how long you pay it off for. Super easy and helpful when you're in a pinch. Love this! Great for college students like myself. (As long as you can manage your money),5,Short and simple.,
Ibrogirl12,FALSE,10/4/2017 11:28,"This App is great. Easy to use. Explanatory. Quick click to all your options, very Easy quick payment and bill review. Access all your info without any hassle 🙌🙌way to go. Thx for making my life easy.. looking forward to a future of successful business 👍🏽👍🏽",5,Dependable ❤️️❤️️,
Brenda Galvez,FALSE,3/22/2021 17:37,"I love affirm because it is convenient. I like the the fact that it gives you a preapproval amount before purchasing. The app is easy to use, easy to shop from and easy to make payments. I’ve had nothing but good experiences with this service.",5,5 Stars,
@katiemaldonado,FALSE,3/5/2021 17:30,The app is so user friendly and connects me with so many different companies! It is so easy to purchase things and it’s awesome to know exactly what you’ll be paying! I love that there are no hidden fees and we do not have to stress about extra money having to be paid!,5,Great company!,
Airinx97,FALSE,6/13/2020 0:22,"I haven’t used the app before, but I am a customer of Affirm and I have to say it is so easy and stress-free to shop. Affirm allowed me to buy a $700 watch over time and I don’t have the best credit. You can pick the term and payment options that are best to your liking. Easy, simple, efficient. I love affirm!",5,MOVADO Purchase,
Officerbonbon,FALSE,3/4/2020 3:57,"I love this app! I’m glad I found it and used it to rebuild my credit. It’s worth it and the terms are explained to the T. You can pick payment plans, pay off early, it tells you all the details. Already referred to friends and family!🥳",5,Easy to use and make payments,
Kurt Wonder,FALSE,6/11/2020 1:36,It was interesting to receive a notice that I don’t qualify to look at other shops. My credit score is well within the required range and I pay for the bill well in advance. This will be the last time I use this service. It was interesting to receive a notice that I don’t qualify to look at other shops. My credit score is well within the required range and I pay for the bill well in advance. This will be the last time I use this service.,1,My Current Experience,
T. Farley,FALSE,2/1/2020 3:56,"If you are looking for a way to pay for something you need or just want but don’t have the money up front, then this service is for you.  Several different ways to pay it back or just lay it off...it’s that simple!   Love it!",5,Great service,
Treat myself,FALSE,1/9/2020 23:49,Absolutely LOVE Affirm!  They make purchasing items so easy!  Love how they remind you that payments are due!  Super simple to use when purchasing from beginning to end!  Thanks Affirm for helping me treat myself to items that I would have to wait and save for if not for you guys!,5,My little secret!,
Ironman413,FALSE,12/6/2019 20:10,"Honestly I enjoy Affirm a lot, it’s quiet helpful when buying big purchases, and the interest rates are pretty low so you’re really not spending much more on the item. It’s also nice being able to pay off the loaner amount whenever. 10/10",5,Very helpful app,
Leny H,FALSE,11/16/2019 23:12,This app is very convenient! I purchased a product through Affirm and it really help me out a lot. My monthly payments were under $40 and I finished paying off my purchase sooner than I thought. I do plan on using this app again in the future! Keep up the amazing service Affirm!!,5,"Affirm, AMAZING!",
SickBoy907,FALSE,10/9/2019 18:48,"You guys have literally helped me buy some things that I have wanted and needed for work with the Alaska rescue dive team and my divemaster/instructor certification and wouldn’t have been able to outright purchase on my own ! 
I will stick by you because of your dependability! Thank you!",5,Lots of help at a good rate !,
TounzBay,FALSE,8/13/2019 21:58,"App is great! Even if you're able to pay now, why not pay later? It'll help you get what you want while still being able to pay your other bills! They also partnered up with a lot of stores and online apps.",5,Buying made easy!,
Ddwatkins2,FALSE,5/28/2019 5:26,Affirm has treated me very well my mother signed me up for this service without my knowledge because I let her use my JClub account. So I was not familiar with this creditor contacting me and had not made time to contact them to rectify the situation. I paid the account in full as soon as I made aware of what happened..,5,Afirm treatment,
77cherokee,FALSE,4/19/2019 3:31,I tried affirm once just to buy a few car parts and I had not so great credit. I was approved and now I can manage my loans on their app. I always pay more per payment and more frequently if possible. (You spend less $$ in interest too). I love it!,5,Easy to use,
j45456,FALSE,2/26/2019 1:11,"I was pre-approved for over 3k.  I had two previous purchases with Affirm.  I wanted to make a purchase for $600 and was denied.  Per customer service, the reason was they “couldn't verify your identity based on the information we received. “
My identity hasn’t changed.  Very disappointing!!",5,Not Consistent,
TheDrinkSlinger69,FALSE,2/2/2019 15:29,Extremely user friendly and organized so perfectly. Affirm offers great loan options where you can choose your term length to fit your budget or needs. Often times it’s even interest free depending upon the term. I highly recommend this to anyone.,5,Great app and a fantastic company,
tab110115,FALSE,1/14/2019 16:55,I’ve been using Affirm for over a year now. I’ve made purchases I wouldn’t of been able to make in a one lump payment. With affirm it’s makes big ticket purchases SO simple and easy! No hidden fees and no surprises. I don’t see any reason to not use this company!🤘🏻,5,I don’t stop talking about Affirm!,
MunchingCookie,FALSE,1/9/2019 18:00,I've been using the app for a couple months and so far so good. I do like the concept and the easy to use app. I do wish they had a browser version which was easier to shop through. But other than that no complaints.,5,No complaints so far,
Hdyyivgfvf,FALSE,12/14/2018 0:18,"Best thing ever made!

 But they never did care when Harvey hit and I had no money because I was out of work for that time. But someone did call to apologize and ask if we were okay. 

All in all a very help way to pay for what you need and they never hit you with random over fees",5,Wow,
B. H. Y.,FALSE,10/25/2018 22:51,"Great option to make a purchase without having to get full blown hard credit pulls. You know ahead of time what you are qualified for. Reports to Experian, so that’s  very helpful. Pay it off. Get a positive rating and do it all again if you need something else.",5,Ease of use,
Link_101,FALSE,10/18/2018 15:02,I love this app and this company!!! They make it so easy to get the things you want and need and they make it very easy to pay them back. I have used affirm several times and I have been pleased every time..will continue to use affirm as long as they let me thank you guys!!!,5,Fantastic,
Big Al Padre,FALSE,8/21/2018 0:29,Who can resist 0%!!!!! I also really like the time period they give you on paying it off! App is really easy to use & make payments when you want to make them! Or you can leave it on auto pilot & pay it in equal increments each month! Excellent App & Excellent Business!!!!!!,5,Great App & Great business!,
Maui & Worf Poodle,FALSE,9/29/2018 4:42,"I was approved for a certain credit line.  I made my first purchase with no issues.  Now I am trying to purchase through Wayfair and Affirm requested my checking Account user ID and password to verify income!  I don’t know about you but I never give passwords out to anyone.  Even our mortgage company never asks for our passwords, that is why we control our own passwords.  To keep things private.  If I gave you this info you would be able to empty my bank account in a second!  What kind of scam operation is this!!?",1,Fraud???,
QoKing,FALSE,8/2/2018 23:21,"I have used the app to make several purchases, all with no issues.  I haven’t had to return anything to know how long it takes to credit your account, but making payments are easy. Would recommend it.",5,Very Easy to Use,
RJWat,FALSE,7/6/2018 16:18,"I have used Affirm many times.   The consumer can decide how many months they want to take to pay off a loan. I like Affirm better than a credit card because the loan is paid off a quickly. Also, there is no penalty for paying a loan early.",5,Comes in handy for small loans,
Brandon21C,FALSE,5/30/2018 6:08,This is the best app to get approved for money on the go or even a loan or if you want to purchase something “bigger” but don’t have the cash to do so. It also lets you choose 3 type of payment plans. Affirm is the way to go!! Love it. So simple so easy I can’t say enough good things about it.,5,New Age loans/Virtual Card!  Welcome to Affirm!!,
Gh0stRep0rt,FALSE,5/16/2018 1:58,"I’m very please with this great app, I got more than I was expecting... looking forward to keep this useful business going  until it ends and hopefully it doesn’t any time soon. if you guys and girls haven’t try it yet than I don’t know what are you waiting for, is very easy to use",5,Very helpful,
Smartkid's Wife,FALSE,9/22/2017 1:25,Used to replace my husband's PS4 I broke! He's super excited that I was able to use Affirm for the replacement so quickly. He was able to get all the upgrades in a bundle package this time! Use them before! Love it! I will be using them again in the future as well!,5,Awesome! Reminds me of Layaway from the old days!,
Chad E R,FALSE,3/15/2021 3:23,"Outstanding.  Easy auto pay. 

Text you each month 2 days before it comes out and day it comes out also really easy to get online and ck out payment balance and multiple other things. 

5 ⭐️ star",5,Outstanding,
JBrewer1977,FALSE,5/31/2021 17:50,"First off, the process is easy. Getting approved was simple, easy, anything someone could ask for. However, if something gets canceled or returned it takes forever, probably wouldn’t IF they had a actual call center, or even a live chat option. But have neither. So your left to wait on a email from someone which can take up to 10 days. So if you really enjoy someone taking your money, then have no way to get in touch with them. Good luck. 🙄",1,Where to begin,
B. Rolland,FALSE,1/21/2021 14:33,They make it easy to borrow for those smaller things that are just outta reach at the moment.  I’ve used them a few times now and have never had a single issue.  I will continue to use them in the future as well.,5,Love this place,
#1REVER,FALSE,1/8/2021 19:40,"I always say...happy people love options!!! I wanted to plan quick family getaway and avoid credit card interest fees. Affirm provided the perfect financial option for a family getaway during the holidays (hashtag after shopping, cooking, lol). Thank you again!",5,Perfect and convenient!,
LouSut5,FALSE,1/8/2021 18:45,I was assuming once you put your banking info in...it was used for all payments. I didn’t realize you had to enter it everytime. Looks like I entered the wrong acccount number last time. I had one ONE number wrong. Isn’t is auto pay everytime???,5,Auto pay,
Jrowe4,FALSE,5/28/2020 15:20,"I have made several purchases using my account and I couldn’t be happier! Easy to use, payment reminders along with 3 choices of payment options make Affirm my first line of credit option for small purchases! Thanks guys",5,Purchases,
Meeee172830204,FALSE,12/28/2020 2:50,"Update...Christmas 2020.. Found zero opportunities this year for 12 months at 0% APR. Feels more like Klarna now. Guess I’ll just stick with Klarna if I want 4 payments at 0%. Bummed. I guess it was too good to be true. 

2019...So far have made two purchases and both transactions went smoothly. Payments are easy to make and track as well. Haven’t seen either reported to my credit report yet, but that’s not a big deal for me.",2,So far so good! Love the 0% apr for 12 months!,
Chef Sid,FALSE,6/6/2020 3:54,I love affirm and the convenience it affords myself and my family. I just wish it wasn’t credit based after you’ve proven your worth as a customer. I’ve payed off almost all of my purchases and i have never been late but for “credit” reasons they cannot extend another line of credit !!?,4,Awesome !! With a fixable drawback,
Jnlj1021,FALSE,4/12/2020 22:46,Affirm is great and the app is easy to use. Down side to the app is you must have an active phone number to log in. If they can fix that then it’ll be great! I happen to go out of country for months at a time and have to use different SIM cards for said country making logging in impossible.,4,Functional,
Montana 29!,FALSE,4/23/2020 22:16,"It really bothers me that it takes Affirm over a month to close accounts that have been paid in full so it doesn’t continue to reflect on your credit report! Ive done a lot of business through this Company always paying early to close my loans, however I’ve never been offered a lower interest rate while my borrowing power was also decreased. So if your looking for a lender that’s on top of there game and help improve credit I would go another route!",1,Slow business,
Tenacity04,FALSE,3/30/2020 16:40,"So far affirm has been great, I was preapproved for a few thousand and I chose to make 12 easy payments for cheaper monthly payments and I’m just going to put down more than what it’s asking in order to pay it off quickly. Love this company thus far and this app",5,Amazing,
nhinshaw,FALSE,3/19/2020 16:20,I can do anything I need to do with such ease. I can change bank accounts or switch in autopay. I never have had any problems. I can clearly see all my account information and view the payment structure with a press of a button.,5,Love this app,
Heyemilym,FALSE,3/3/2020 23:14,"Affirm has become my favorite app! I love how easy it is to see how much I owe and when due, all at my fingertips. And the progress bar to show me where I’m at in paying it off. Somehow the whole thing seems like a game to me. And I love using it to book travel! Best ever! Thank you to whoever made this!!",5,Love!,
Jannee08,FALSE,3/2/2020 23:09,Honestly affirm always comes thru when I need them . When we didn’t have cash in hand for we used affirm to buy our kids back to school shoes and used them to make Christmas presents at Walmart . Thank you for your trust and business. Highly recommend !,5,Best leasing company ever,
Lizzie Polemeni,FALSE,9/12/2019 13:21,"Love using this app, it is by far my favorite one. Can use just about any where to buy what you need or want, low monthly payments and your choice of how many months you want to pay it off. Thank you and will be recommending it to friends and family..",5,Review,
romeslee312,FALSE,8/17/2019 19:22,I haven’t used credit cards for large online purchases since I’ve found affirm. I love it straight forward financing. I don’t believe they report to credit unions which is my only dislike but it doesn’t change my 5 star rating,5,Online financing,
cgizzy33,FALSE,5/31/2019 4:56,"Real easy to make payments, just don’t think I should have to connect my checking account info in order to get prequalified for loan amount. This will be my last time using affirm as to it doesn’t help your credit score what so ever.",5,Last purchase,
jjgarcia2272,FALSE,5/21/2019 2:11,"I purchased a new $500 guitar through Affirm, got approved and honestly didn’t pay ANY extra fees. It divided my total price within a 12-Month plan and it’s such a great deal. I don’t normally leave written reviews but YO, Affirm is super dope. Not sure if they report to the credit bureau but it’d be amazing if they did!",5,Such a Good Payment Plan!,
djdara,FALSE,3/18/2019 3:05,"Great company to work with! Been very pleased.   I have money taken out from my bank account so I don’t have to worry about missing a payment.  And they notify you about 2-3 times before your bill is due so the I forgot to pay, the I didn’t know it was due today, that’s BS!",5,Affirm,
ClearlyCici,FALSE,1/4/2019 12:20,"This app is great for paying for items, travels, and other things without having to break your pockets or wallet. It’s like a layaway plan without the drama. You can see what you can afford on your payments, make early payments. As well as see other vendors that use this app.",5,The little secret,
Spades00692001,FALSE,2/22/2019 20:56,"Love this app, don’t get paid till Wednesday, but see something I want need or want now. They got u.
Simple to use. No games or tricks. Easy to keep track of, and super easy to pay.
Everything is laid out right there on the app for you. And fast..!  Just a few seconds and ur ready to pay.  

This if a great tool for those times when u see that special item you want or need. And it happens to be something that’s not a normal every day kinda item that you would normally carry the cash in pocket for.

Only thing I’ve seen that might be a down fall is they don’t report on time or payed loans to your credit. Other wise this would be a great credit
Or credit repair/building app as well.",3,Awesome app,
PlusUltraSam,FALSE,12/28/2018 19:04,"I love this app because of the many options I have at reverb. I want to buy instruments but I also need credit so I use both of these to build it. Great, easy way to track what you buy as well as making payments ahead of time!",5,Credit builder for musicians!,
shouse80,FALSE,8/23/2018 14:19,Third time using Affirm and I like how simple it is. Tell you straight up how much in interest you’ll pay and credit line is incredibly easy to access. Paid off two previous purchases and I just made a new purchase!,5,Affirm Payment Option,
BoogeyMan96,FALSE,7/10/2018 8:51,Affirm has really taken care of me since I started with them last year. Their customer service is outstanding &’ they resolved an issue I’ve had with my pre-qualification. Highly recommend &’ looking forward to see this app &’ company grow 👍🏼,5,Satisfied Customer,
Dudedrone,FALSE,3/27/2018 0:11,"Easy quick Loan for that special item  you really wanted . Make payments that fit your budget. Pay off in 1,3,6 or 12 months  or sooner if you like , Thanks Affirm  for my loan to purchase a special  Drone that helped in a  business opportunity!!",5,Easy quick Loan for that special item,
jroli317,FALSE,2/23/2018 9:06,This use to be a great app. I took out loans to get my mom a stove she wanted and bills to keep me ahead. I don’t know what I did or what happened where now I can’t even take one single loan out. I paid off all my loans in almost a week and I never missed a payment. Now it’s declining me every time.,5,What Happened?,"{'id': 3274710, 'body': 'We are sorry you are having a bad experience with Affirm. We are happy to answer any questions if you reach out to us directly at help@affirm.com', 'modified': '2018-04-26T20:33:51Z'}"
HRWatson68,FALSE,4/26/2021 13:40,"With the low interest and flexible payment options, Affirm is my go to for big ticket items. I’ve used Affirm for everything from a new IPad Air 3 at Walmart to R/C products from an online retailer. I will continue to use Affirm for all my buying needs.",5,Great buying power option,
AwfulAffirmExperience,FALSE,5/9/2021 18:58,"Created an account to pay with Affirm through Wal-Mart and my account was approved and the order was placed. Then Wal-Mart cancelled the order because it was not available for in store pickup. Attempted to go back in and re-order to have shipped and Affirm declined the purchase stating they couldn't confirm my identity. On the 4th or 5th attempt, I was then declined for my income/debt ratio. Terrible, terrible communication/app/service and I will never use it again. I didn’t even want to give it 1 star. 👎🏼",1,Order through Wal-Mart,
Anti Killary,FALSE,4/14/2021 21:59,"I used and canceled and used again.
Actually on certain businesses it can be
Interest free, but not always. I have found AFFIRM to be Creditable and have used them about 10 times, on things I want right now, but don’t have the money.👍",5,"Affirm can be great, just use common sense",
Eztrey,FALSE,4/15/2021 0:10,"One company they work with  will not issue a refund. In fact I ask them 4 times and it’s been 2 weeks and nothing from them. Because of this you may want to go with a different finance company. Meanwhile I’m stuck having to pay for items I don’t want and are still in the original condition. I sure look forward from affirm looking the other way why I’m losing my money and once again paying Affirm their interest.
Thanks
Tracy Duncan",1,They work with crooks and won’t offer help!,
MzNicky01,FALSE,4/8/2021 20:27,"I have used them a few times and it has been easy, affordable way of paying off purchases. Definitely recommend and will use them again for sure!",5,Great payment option!,
Elliott71,FALSE,3/19/2021 21:44,It is hard for some of us to come up with a larger chunk of money up front.. but payments are not a problem. Affirm to the rescue! Easy to apply.. you can chose whatever payment you can afford and bam! that easy! Honestly Affirm has changed the way i buy!,5,So Easy!,
cubitaaa,FALSE,2/21/2021 13:20,"Excellent option to pay over time,and you can finished paying the item whenever you want,you don’t have to wait all the way until the last month if you don’t want to,highly recommended",5,Great,
new and okd f250s,FALSE,2/20/2021 19:59,I had just spent several thousand on an older truck and then got a new truck so I didn’t have any money to spend on the new truck.  Affirm allowed me to buy the extra things I needed for the new truck.  I couldn’t have done it without affirm.,5,Easy and fast,
nrsemoni32015,FALSE,9/13/2020 19:19,"I recently
Purchase a treadmill from Walmart and payed for it throught affirm I was able to get my dream treadmill and have someone come to my house to put it together and make monthly payments I officially payed it off this morning I would definitely recommend",5,Works perfectly for my plan,
Jasalyn Lucas,FALSE,9/21/2020 14:07,"I’ve been using affirm since 2019 and I have had several purchases through them, paid most of them off in full early or before the due dates. Recently I’ve been trying to get approved and I have not. My credit score is great. I’m not understanding why it won’t go through. This is the only app that allows you to pay monthly which I love but during a pandemic everyone should be getting approved for payment plans. This is why they are receiving a poor rate!",1,It was great at first,
mskmkomkmmsk,FALSE,1/23/2020 18:53,"Better than credit card because you can pay for one item at a time instead of running up a cc since after all, it already had a balance. Highly recommend. Easy to use.",5,Easy,
Craftysauce,FALSE,11/16/2019 7:01,"Super handy for keeping up with your loans, details, transactions/payments and refunds. The real time qualification is awesome and really handy when you’re looking to buy something right now and pay it off on payday or make payments over time (a lot of their loan terms are 0% APR).",5,Really handy app!,
Macman,FALSE,9/28/2019 3:59,The Affirm App makes it very convenient for me to finance a particular purchase at a savings. This option allows me make purchases at a wide and diverse network of  retailers right from my iPhone. I highly reckoned Affirm and the use of their app before you make a purchase decision.,5,Great Services & Savings,
John Hoboken,FALSE,9/17/2019 0:45,"This is by far the best bill pay experience I’ve ever dealt with, it made paying off the loan so easy but I even called the company requesting to see if they would do my next car loan. Just made my last payment and I’m very happy with the service.",5,Well Designed,
Imela&lia1,FALSE,5/26/2019 5:52,"Affirm, thank you so much for helping out my family laying away our plane tickets in time of need. It was my mother in laws funeral and we were financially unstable and tight with financial, that’s when Affirm was there to help. Can’t thank you enough! Totally recommend Affirm to friends and family. 👌",5,Thank you Affirm!!,
Jschltn,FALSE,5/22/2019 23:29,I’ve used Affirm for a purchase and was worried about the account setup process. This app is most likely one of the most user-friendly and intuitive apps I’ve ever seen. It’s very simple and straightforward and makes the payment process extremely simple.,5,Easiest Payment App Ever,
Big G 1788,FALSE,4/30/2019 1:20,Affirm is the best app and thing to ever happen to me I wish I could work for the company but I don’t live in any of the states that they have offices in but I sure wish I could still work with them someway some how. If someone could reach out to me please from affirm that would be just Awesome!!!!,5,Greatttt,
WarDawg9,FALSE,12/22/2018 14:26,There are times when you want things you CAN afford but need that “cost pill” broken up by way of extended paying options. Affirm gives you that added flexibility to get what you want while allowing some flexibility with your wallet.,5,Perfect solution‼️,
Keith 124,FALSE,1/9/2019 3:34,"I was denied credit by Affirm because they said they could not verify my identity. I have a 6 figure income, a steady job, have owned my home for 12 years, and have a perfect (830 Fico) credit score. I attempted to contact them by phone and email to provide additional information and received ZERO response. I will never do business with this company.  Fix your product. Maybe instead of making “final” decisions based on limited information in 15 seconds you should improve your process.",1,Horrible service,
the wendl,FALSE,10/25/2018 2:28,I’ve been fortunate enough to buy a new completely built pc through affirm based on the certain parts I wanted. The fact that there are no hidden fees or random cost to get a simple loan means the absolute word to some one trying to get something valuable to them.,5,Phenomenal,
jbrya35,FALSE,6/21/2018 17:28,The app layout itself is so clean and easy to use. It shows you exactly what’s being paid on and how much you have left to go. Also the money comes out immediately when you make a payment.,5,Makes paying things off so easy!,
CamoCanuck,FALSE,6/9/2018 20:39,"I have used Affirm for several larger purchases, and it has made it easy to pay off my balance with everything up front with respect to interest rates and monthly payments. I have recommended Affirm to several friends and clients, and will continue to do so.",5,Great service,
MoNsTeRbOmBzZ,FALSE,5/31/2018 19:24,Have used this twice so far and I’m sure I’ll use it again when I’m not so busy. Bought myself a new desktop and my mother a new laptop for Christmas using Affirm awhile back. I’ve recommended it to a few coworkers already since it was so nice and easy to use.,5,Pretty awesome,
tguppy50,FALSE,5/19/2018 12:55,"Great app, makes paying the loan easy, I own a jeep and Affirm helps keep my jeep up to date with the with any parts it needs to stay looking good with low monthly payments, big help, on a fixed income so Affirm makes my Financial world easier to deal with, will continue to use Affirm.",5,Payments made easy,
Blkalero01,FALSE,1/8/2018 3:09,"While the service is great and convenient, the app is horrible. It worked fine until the update two weeks ago. I get better service online, but my phone is a much more added convenience. Please fix the bug!",5,"Great Service, Horrible App","{'id': 2240903, 'body': 'We value customer feedback on our products, so please contact us directly at help@affirm.com with more details on your recent experience.', 'modified': '2018-01-08T17:51:47Z'}"
shera1970,FALSE,10/12/2017 4:39,"I have never used an app like this… But I can literally make a payment in four seconds. It makes it easy to pay small increments more often.
I will pay off my loan so fast that I will pay less interest...in theory. 
If not I will come back and change my rating!",5,New Yeti Bike!!,"{'id': 1482523, 'body': ""You've got it. If you pay off your entire loan before the final due date, you will pay interest only for the period that you borrowed the money. Affirm rebates any unearned portion of the finance charge for the remaining loan period."", 'modified': '2017-10-12T15:26:03Z'}"
Forsaken!!1,FALSE,9/14/2017 14:08,"This app is awesome when looking at buying things from some sites if you want to buy on credit without it actually going on your credit. Have used a couple times, no issues!",5,Extremely easy to use,
Re Rivas,FALSE,4/24/2021 14:58,Second purchase I’ve made with Affirm and I like how the helpful the app is. Payment is easy to read and only thing I wish I could see what I’ve purchased because sometimes I forget what I bought but it’s cool after remembering,5,Good help with payment,
alux2,FALSE,3/27/2021 18:16,I have always taken advantage of businesses that offer Affirm payments. This makes the options to purchase at reasonable payments without the harsh interests rates tied to purchasing with credit cards. Will always take advantage and us Affirm payments.,5,Great resource option,
Daddy Gods boy,FALSE,2/25/2021 14:25,"Affirm is a roadway to financial freedom! Used correctly it can help you through the trying times we all live in and allow us to make small payments along the way without the hassle of annual fees, applications and credit checks.  Cutting edge and hassle free.",5,Satisfied Customer,
NickFaust,FALSE,3/13/2021 18:45,"With the sizable amounts of money here, when a serious problem arises, a customer service phone number is necessary.  You do not have a customer service phone number. 

As I was seriously considering your banking and savings account options before, now, after this, I would not be comfortable giving Affirm my banking information or opening a savings account when it is impossible to reach someone in real time if a problem arises.",1,"Customer care, none at all",
CrypticNinja,FALSE,3/8/2021 18:36,I just went in to shut off auto pay because it’s been nearly a week now since I contacted the airport to dispute they gave me the wrong dates. They claimed they refunded the money and tickets was canceled that day. Affirm has not emailed me about this and still has me down as owing money. They also won’t give me a loan as long as I owe them money. Why does this take more than a week when I had canceled within five minutes after I got the email for the wrong dates.,1,Not technically a customer,"{'id': 21552222, 'body': ""Oh no! We sincerely apologize for the troubles you've had cancelling your purchase. Please note that refunds and cancellations are issued once the store merchant has processed the cancellation on their end in order for it to reflect on your account. We'd be happy to take a look into this for you and answer any questions. You can connect with our customer support team directly at (855) 423-3729. Thank you."", 'modified': '2021-03-10T01:49:40Z'}"
TAM818,FALSE,2/3/2021 13:45,If it wasn’t for this program my family would not have had as good of a Christmas. It’s easy to shop at the large selection of stores they offer and the payments are not stuffed with unthinkable interest.,5,Simple and Easy Finance,
Jacks Von Liria,FALSE,6/4/2020 18:38,"I have been using this service for about 6 months. 
This is definitely my to go when I have a big purchase. Payments are very easy to made, and customer service is outstanding.",5,As happy as I can be with this service,
Paralegalntraining,FALSE,2/20/2020 12:44,I purchased a bicycle from Walmart using Affirm and I am totally satisfied with this the payments are affordable and if you pay it off early there is no penalty. I definitely will be using it again. You are able to use this at any store you choose.,5,Purchase,
Herms0123,FALSE,2/15/2020 20:37,"Its very quick, easy and convenient. Just download the app its user friendly. I got approved for purchasing Candid aligners and just finished paying it off in 6 months. They also offer financing to any stores available in their app.",5,Quick and easy,
Cajunmom70544,FALSE,10/3/2019 20:21,Thanks to Affirm I was able to buy my tires for my truck when I was short the money. I’ve been able to pay a few dollars a month and drove away with the tires the same day! Today I had extra money and I just paid off my loan!! Love Affirm!!,5,Satisfied Customer,
Verizon Dave,FALSE,8/23/2019 16:00,"I’ve used Affirm a few different times now. I just have Affirm debit my checking account each month. It’s extremely easy and convenient. Affirm is almost at every store you shop now, from electronics to a basketball hoop at Walmart. 
I 100 percent recommend Affirm!!!",5,The way to buy🤑🤑🤑,
Eltico609,FALSE,4/1/2019 1:56,"My credit score isn't the best. But i have been working on it and affirm approved me a few times now. Interest rates are amazing and they work with you, giving you options on length of loans and payment amounts. Amazing. App runs smooth and haven't had any issues.",5,Amazing,
Echolove918,FALSE,4/26/2019 16:41,"I’ve used affirm for multiple purchases (totaling over $3,000). This new update has made it so I will never use Affirm after I pay off my current loans with them! After almost 2 years of using Affirm, I suddenly don’t have the option to use them because they’re claiming I don’t have a checking account associated with my bank. The only account I have is a checking account.  This new update is just really disappointing. Why screw over your existing customers?",1,Why Change??,
JEREMIAH1010,FALSE,1/27/2019 18:30,I like having the immediate availability of funds to purchase items with the flexible payment schedule for repayment. I have used this company twice and have been nothing short of completely satisfied with their service. Thanks again Affirm!!,5,Great opportunity!!,
Monkeywithnopants,FALSE,1/17/2019 0:10,Solid way to use credit. Amazing customer service. Thank you Affirm. Have had multiple loans without issue. Used properly this is the way to use credit!  VERY excited about the upcoming savings account!!! Really do love you guys!,5,Fantastic Company with an even more Fantastic app!,
muuuuurphy,FALSE,1/2/2019 2:16,"Easy, simple, spelled out in plain english. Very convenient payment options. I used it to pay for a vacation for my family. I will be using it again! Add to more places please!

Edit:
Used again for a vacuum and ninja coffee bar. 5 stars again!",5,"So easy, simple and straightforward",
sadiebug91,FALSE,12/29/2018 21:51,This has been a great opportunity for myself and my family. This has given us several opportunities that would have otherwise been out of the question. The app is simple and makes repayment extremely simple!,5,Great Loan Option,
hot beef supream,FALSE,12/26/2018 16:29,"Great way to make purchased when u mite not have the cash for items u mite need or just want but don’t have the extra cash floating around. Iv had a few loans now from Affirm it couldn’t of been easier and I couldn’t be happier and or more appreciated with a company. 
Thank you Affirm 
Thanks 
Josh",5,Affirm,
Gilbert SC,FALSE,12/9/2018 23:24,"I was looking at a product online and needed an easy payment plan, the application took a few minutes and I was able to spread my payment over six months!",5,Quick and easy when you need it...,
rstanberry,FALSE,11/15/2018 16:50,Why get a credit card? Unless you are someone who loves to get points for traveling etc. you can just use Affirm. They give you a virtual card to use anywhere. Easy payments. I haven’t missed one so I don’t know how they are about late payments. So far I love it.,5,Amazing time saver.,
SARA.RN.,FALSE,9/6/2018 23:40,"Easy, user friendly, and so helpful !! Amazing service, other loan and credit card companies should follow your lead. Really considers the borrowers and allows repayment on the fly! Gives you absolute peace of mind with kind reminders, ease of payment and thanks you for your business. Top Notch. Love Affirm!",5,Top Notch,
Slaker01,FALSE,10/17/2018 1:20,I would caution anyone considering using Affirm as a source for your financing.  My experience with Affirm is that they are unable to protect your personal and financial information you provide them.  I’ve had a fraudulent loan opened with them in my name and fraudulent activity on my loan.  My difficulties in getting it removed have been very disappointing. I do not find them overly concerned in getting to the bottom of how my info was stolen.  Be careful.  My advice would be to look elsewhere for your needs.,1,Information is not secure with Affirm,
PamNeilson,FALSE,8/15/2018 18:19,"This is an amazing company!
Payment plan is simply and it’s super easy to request funds and get instant access when something comes up unexpected!
I have used them for several things and the process has been simply -and straight forward!",5,Love This!,
Incontrasttogray ,FALSE,8/2/2018 13:18,"Genesis Millennial, now 30, no credit, and still balling.  In all seriousness, affirm has made major purchases easier for me.  they've been transparent about how they make their money and how they're assessing me as a credit risk feels really fair because of that.  I'm into it.",5,No Credit?  No problem.,
$$$:$;):7$:/&$,FALSE,7/7/2018 1:21,"I love this company. It has an easy process to get your loan. The monthly payments are what you choose to pay. The three choice for payment amount is awesome. The fact they have auto pay is the icing on the cake. 
I will continue to use this for my future purchases. 
Thank you Affirm.",5,Awesome company,
Mad Lewis,FALSE,5/25/2018 14:16,"I have been able to get accounts for things that I needed, when I didn’t have all of the money to pay upfront. Although they do charge interest, it is a small amount. As long as you pay off your loans, they will give you more.",5,Affirm is awesome!!,
GriseldaCarolina,FALSE,5/18/2018 22:38,The app is easy to navigate and to check to see if you qualify for a loan. You can easily see the details of the loan and turn on auto payments. Shows you future payments and balances. Also neat to see past loans. I love Affirm easy way to get a loan without a credit pull,5,I love the app and Affirm!!,
JoyceDaChoice,FALSE,5/17/2018 15:21,Luv the app and convenience of buying power! I can also easily pay loan from app.  Super user-friendly. It has saved me a few times when I didn’t have my wallet on me or in emergency situations.  Anything from cellular to designer stores.  I love the security of an e-card with time expiration!,5,Exceptional!,
Sunshineismine0506,FALSE,5/12/2018 5:40,"I truly do appreciate This platform being available to people with not perfect credit. I love how when payments are in great standings, you offer additional credit. Because of you, I’m able to decor my home and not worry about having the money at one time.",5,Affirm! You ROCK!,
Steven B. Mason,FALSE,4/3/2021 12:26,Purchasing my new tires was so easy & so fast with affirm. Plus I see the savings from not having to pay compounding interest on my credit card. The big plus was not having to go into my savings account!,5,Quick Fast & Easy,
Tee555555587,FALSE,3/27/2021 1:25,The app is extremely user friendly and everything is easy to find. Clear description of everything. Terms of agreement are easy to read and understand no long outdrawn paragraphs everything is straight to the point and I love it!,5,Nice App,
Young God G,FALSE,3/19/2021 14:56,I used to struggle with saving money and buying what i needed online when i wanted it but with this app i’ve saved money and gotten what i need. Pay when you have the money not when you don’t. I love this app and i can’t wait for the card!!!,5,Lifesaver in a App,
Leenayray,FALSE,1/16/2021 4:16,This application is truly incredible. Working on my credit and this is my safe space to shop and pay a fixed amount with low interest every month for tied plans. Love you. Thank you,5,Where have you been?!,
vbcgkknn,FALSE,1/12/2021 0:50,Everything was smooth I was overdue for two payments and they didn’t even seem to budge also customer service was very informative. The product prices aren’t adjusted as well. No interest is a big one too that is the best also.,5,Best finance app ever,
P&S Photo Inc.,FALSE,3/6/2020 4:01,"Sometimes the funds just aren't there to purchase a needed plane ticket to a wedding, attend a funeral or in an emergency, visit a loved one who needs you right away. Affirm has allowed for those realities to be accomplished! Plan your payments, stick to your commitment to pay it off, and life is sweeter!!!",5,A Life Saver!,
JDhaliwal,FALSE,12/12/2020 10:23,I discovered affirm a month ago. I ordered tv through affirm and after 2 hours I cancelled the purchase. Everything went fine until I tried to reorder it again. There was no success after that. They told me I have to wait for 30 days to clear that purchase that I cancelled. I wanted the tv so I waited for 30 days. After 30 days I reapplied again and I was not approved. I don’t understand why I was not approved. Horrible customer service and I wish I had a good experience.,1,Worse,
Unhapoy in Texas,FALSE,6/18/2020 1:30,"Terrible to work with when the order was cancelled; and the vendor, 1StopBedrooms, try to deliver anyway.  Delivery was refused.  And now 1Stop won’t process the credit.   So, I’m being charge for a sofa that was never even delivered.   The order was cancelled!  Plus,  I asked AFFIRM not to report the first late payment to credit bureau ...explaining situation and that i needed more time to get 1StopBedrooms to process the return.  AFFIRM said NO.   I am willing to pay the cancellation fees! But not the total purchase price for the sofa!",1,Poor customer service!,
duh hu,FALSE,2/15/2020 6:24,"The best. With my ordeal with internet mattress company they have been exceptional in professionally dealing with my situation. Would highly recommend to anyone looking for a supportive online financing company. 
I worked 24 years in the medical field, and they beat the most “ desired “ outcome for customer service.  
Thank you AFFIRM
VALERIE M SIMPSON",5,Financing,
Wattazoumana,FALSE,12/20/2019 13:39,"I really don’t know how to appreciate this wonderful Loan company all I can say is they’re life saver, once you’re approved that’s it . I never call they customer services it’s because I don’t really need . The app is great and fast .
Unfortunately we cannot give 10 stars only 5 stars....
I love affirm",5,Life safer,
MissDaiana12349,FALSE,11/11/2019 16:48,"I love this app, I’m not big on rating apps but this app deserves it. I been using it for quite some time and I’m happy with it. Not only does it help but it makes everything ten times easy. It’s such a easy app to use and amazing for anyone that wishes to use it.",5,Amazing and Extremely Useful,
Laurethia,FALSE,12/5/2019 14:58,"The app doesn’t allow me to pay the amount that I want to towards the loan.  It only gives two options, the prearranged amount or the balance of the account.  There is an option that says “other amount” but it doesn’t work when I select it and attempt to pay more than the prearranged or minimum amount.  I want to pay the loan off faster to avoid interest payments.",2,Payment options,
Sal T. Nutts,FALSE,11/29/2019 23:38,"When I placed an order through visible, I was given the confirmation page that I would get charged the full balance of the phone in one payment oppose to payments. Which was not the case.  The tracking information for the phone I can’t find.",4,Where’s the correct info?,
Raj 1,FALSE,8/7/2019 3:52,"Affirm made it possible for me to buy a luxury watch I had been dreaming of for over a decade. Before affirm there was no other way to help split these payments. 

Thank you affirm. I will forever be grateful for your great customer service !",5,Thank you ! Affirm helped me attain a dream I had for over a decade. Thank you Affirm !!!!,
camachosaur,FALSE,2/21/2019 9:48,I’ve gone through other companies that loan money but none are nearly as upfront and honest about everything. Everything is clear and on top of that the app is extremely easy to navigate. 15/10 would recommend,5,Affirm is Great!!,
Steve273804,FALSE,4/25/2019 19:16,I download this app about a year ago to start building credit. I’ve used affirm for over $3000 in purchases with no problem or issues. I’m not sure if it was the update but now I get rejected for any loan because my credit profile isn’t high enough. I just don’t understand why when I started with a credit score of zero and haven’t missed any payments since.. I’m just very disappointed and confused a bit,2,Was Great..,
chucklesaur,FALSE,2/22/2019 19:57,"I like the ease of getting loan, but recently I bought a breastfeeding pump from willow. Than I went back to get supplies and affirm declined it due to section 4. Section 4 is about drug related stuff... however I was buying breastfeeding supplies. Which is furthest from drug related. It was frustrating and contacted affirm and they just restated the msg I kept getting. Not helpful at all.",3,Will reject sites that have nothing do with section 4,
KRFii,FALSE,12/27/2018 14:42,Applied and was approved for a loan for around $1000.  The only issue I had was I changed phone numbers and needed to switch my account over...that was a little painful.  Otherwise I’ve had a good experience with affirm and their services and app.,5,Simple loans + payment,
azareldotcom,FALSE,12/20/2018 4:26,"Quick approval, nothing hidden, easy to make payments, customer service is quick to reply, website easy to manage and the app makes it even more convenient.",5,Affirm makes it super easy to do business with them,
Zack Duda,FALSE,8/12/2018 11:48,"I love that I can purchase what I want and get to choose how much I pay a month. The virtual card lets you use it where ever you want. My favorite part is if you pay it off early, there is hardly any interest. Much cheaper than using my credit card!",5,Very handy!,
bettyd2,FALSE,7/20/2018 1:35,I have used this service several times for different reasons and I have always been pleased with the service. The payments are very reasonable and easy to manage this is a great solution for short term problems.,5,Extremely satisfied customer,
trick001,FALSE,6/24/2018 9:27,"I’ve used affirm for a few web based purchases and it’s been a very convenient way to pay for items over a chosen period of time. Each loan offers short, medium or longer payback time lengths. A simple loan system that’s easy to use!",5,Fast convenient loans!,
CAmarr,FALSE,6/18/2018 21:30,Friend referred me to this service and I must say I love how easy it is to use. I never have to miss a great sale again with affirm. I can quickly get a new loan and make a purchase and pay it back over time it when I get paid again.,5,Amazing service and easy to use app,
MartinezM123,FALSE,6/7/2018 11:32,This is probably the most convenient app I’ve found for paying bills online. I’ve been using this app for 6 months now. I think it’s even easier than the PayPal Credit app.  It even lets me know if I’m approved to barrow a little more $ without hurting my credit score.,5,Loan App,
REELhiphop,FALSE,5/20/2018 1:18,"This company and app is a lifesaver. I’ve already opened and paid off 4 accounts, all which have little by little boosted credit. It’s super fast and reliable, all while being secure. It’s great for small purchases up to $500 for a quick loan. Seriously awesome",5,Greatest Thing Since Burnt CD’s,
christals baby,FALSE,5/30/2021 10:41,"If you must buy things and financing is your only option, Affirm is your only choice!!! The structure of repayment is fair and honest. I will never use another service for financing, thank you Affirm, you are a shining light in a sea of crooked credit cards stealing from Americans, God Bless you!!!🙏🙏🙏🙏🙏",5,An honest company,
Super Pandora Lover,FALSE,5/10/2021 15:42,"My dealings with Affirm have helped me in my shopping needs. I was able to purchase, make payments and enjoy my purchased items. Very easy to use Affirm and make payment. I wish they would have stayed with the MyPillow company. I love Affirm. Thank you.",5,Affirm is a help to many.,
R Hamilton,FALSE,4/12/2021 13:21,I didn’t have the money to pay it off at once an this I can have time to pay no interest an make payments an when I get the extra money I can pay it off or continue to make payment thank you,5,Thank you,
loveit0417!,FALSE,3/26/2021 12:16,Affirm is a great way to get things purchased and make monthly payments. We used them for our daughters Byte and it helped make it possible for her to get her beautiful smile. App is easy to navigate and the friendly reminders of payment due dates is great as well!,5,Great financial assistance,
Bidensapig,FALSE,4/9/2021 13:55,"There is no such thing as customer service. I have to charges from vendors that I can not get removed from this site. Items I ordered from the vendor were out of stock but the vendor did not indicate that on their web site.
I have been trying to use this Mickey Mouse web platform to reach customer service about this but it is not humanly possible.
Pay for your things in cash or credit..save up!!! Just stay away from Affirm!",1,Stay away from using this company!!!,
Gstsigni2,TRUE,3/18/2021 20:44,Using affirm is amazing but when you purchase from the store you shouldn’t have to wait to have items mail to you when merchandise is in the store on the shelf I think it’s a rip off getting charge dor shipping and handling,5,They are horrible,"{'id': 3928756, 'body': ""Hello - we're sorry you are not enjoying your experience. Please let us know directly at help@affirm.com if there is anything we can assist with"", 'modified': '2018-06-21T15:27:23Z'}"
Ms Jae J,FALSE,3/17/2021 11:28,The comfort in knowing that I can purchase now and pay later is a plus for me. I’ve build such a good paying history with Affirm. Automatic payment feature along with options on how many months to pay in full is genius. Thanks Affirm!,5,Worry Free,
MariaE79,FALSE,3/13/2021 17:43,"This is the best thing they have been able to do for people who do not have excellent credit and want to buy things, and without having to pay high and ridiculous interest. I recommend it 100%",5,Love it !!!,
Cycat1,FALSE,2/25/2021 1:03,Affirm offers ready credit for certain purchases at very low payments with opportunity to pay off balance early. I found it very helpful and will use it again in a pinch for automotive needs,5,Excellent Finance Option,
Salwell53,FALSE,11/21/2020 19:05,I absolutely love this program. I am almost done paying off my first item and now I am purchasing a much needed TV. This program is so easy and the great way to purchase things you need when you don’t have the cash.,5,Shopping With Affirm,
Jessikeena,FALSE,10/11/2020 16:19,"I was so happy when I first saw the option to use Affirm when I was checking out of a purchase. It makes everything so much easier, AND I’m able to get the things I’ve always wanted with this payment option...thank you!",5,LOVE THIS!!!,
Clueless_Lauren,FALSE,5/27/2020 19:26,This app has reasonable payments. They remind you several days in advance with a link to pay. BUT I never felt like I was being scolded or reprimanded for not paying in advance of my due date. Highly recommend.,5,Reminders without being stalkers,
Mzzseng,FALSE,6/4/2020 15:05,Been using affirm for 4 years paid my accounts off and on time but recently I’ve been having issues with getting approved. First they denied me credit because my credit score was too low for them but my credit score was way above what their requirements were. Then I got denied because they couldn’t fully identify my information. Urgh such a headache! In my 4 years with affirm I never had a problem. Now I have so many issues! Definitely over it!,1,Over it!,
Mellee14,FALSE,2/16/2020 18:13,"When I’m low in cash and need money ASAP, this app saves me. I just generate a card, buy groceries for example and I have the choice to pay it off when I get paid or pay monthly these really low payments, love it, it deserves a thousand stars!!!!!!",5,Perfect in every way!,
my reason of being unhappy,FALSE,4/6/2020 17:26,"I’m not a happy customer due to my vacation was cancelled by Expedia, but I still have to make payments. Also unhappy because if this is the case Affirm should be able to contact the third party to confirm and not have the client pay unless it’s cancellation fees. Also unhappy that I can not contact the insurance to make a claim. Once the Coronavirus is over. You all need to figure this out, and not have clients pay. Maybe having your systems combined when a cancellation is taken place.",1,Not a happy customer,
kekopap,FALSE,1/15/2020 10:20,Great app they let you pay in monthly payments and low intest!!  Love it!! It's awesome no problems they show you want you own and why you paid!! Also fast at letting you know payments were made and paid right away from your bank account!! Love it,5,Great!,
jennyrhG,FALSE,11/19/2019 5:09,"Super easy to use and make payments. Able to purchase items and pay back in timely fashion. Have used this several times and would recommend to friends, family and well everyone.",5,Awesome,
fqmlead,FALSE,10/12/2019 11:43,"Great company to do business through. 
Customer support is always helpful and it’s nice to have another option when making a large purchase. 

Pay it off early if/when you can. I use it as a tool not a long term payment.",5,"Love Affirm, Love their App",
These2Hands2012,FALSE,7/17/2019 17:05,I absolutely LOVE affirm! I have been able to go on trips and purchase items without having all of the funds available to me immediately- and still paying the balances off ASAP without any early pay off penalties- WINNING!!!,5,Making Purchases/Trips Happeb,
Keianthony,FALSE,8/18/2019 22:26,"My credit score was negatively affected because I used the approved credit line to make purchases on several different occasions. By checking my credit report, I found that each time you use the granted credit line, a ‘NEW ACCOUNT ‘ is opened. This account is considered to be a ‘consumer account’ and it okay for maybe one or two uses but beyond that, it counts against you. It’s advertised that it will not hurt your credit but it does, I have proof of it unfortunately.",1,Negatively Affected My Credit!,
dashiell32309,FALSE,7/2/2019 21:27,Affirm makes it easy to get the items you need or want when you need them.  The app is easy to navigate through and very informative. There is a whole array of companies to purchase from. Highly recommend this app.,5,So Easy to use.,
Shorty519,FALSE,7/1/2019 22:40,"I found Affirm through financing a trip through Expedia. Affirm is quick and easy to work with, the app is simple and straightforward and I’ve never had any problems with the company or app. I highly recommend financing through this company and utilizing their app!",5,"Great, Simple App",
AMaNduH?!,FALSE,6/25/2019 0:21,"I almost never leave reviews for anything but I am so happy with this company and their app. Everything is extremely organized, clear, and easy to use. I wish I could use them with any and every large purchase I make!",5,Best app & service ever!,
Itouch iPods,FALSE,6/22/2019 11:07,Affirm really changed my life making it possible to buy a bike without hurting my credit score. I was able become healthier and also influence 6 other people to buy the same bike! The payment were affordable and I will use affirm again!,5,Love it,
RogueVetrn,FALSE,5/1/2019 23:49,I’ve used AFFIRM for multiple purchase’s and had no complaints. It’s an easy way to get financed if you wanted something you couldn’t afford paying at one time. Just remember you can’t use it on eBay lol.,5,Easy Approvals in seconds and easy payment options!!!,
garys3116,FALSE,4/15/2019 4:17,I love affirm. I paid on time all of my merchandise and after I made the payment I went back to purchase more things but they never approved another loan. I took 3 different things and I paid the 3 things and now I don’t qualify for anymore. I don’t recommend this app...,5,App Affirm,
briannehebert,FALSE,2/13/2019 5:10,"Love the app. Have never had any issues with logging in or paying my bill. 

Not crazy that after I make a payment in the app it takes so long to post but I think that’s independent of the app and happens if you pay online as well.",5,Works great!,
Calebx90,FALSE,1/16/2019 23:25,"Simple. You get a loan, you pay off the loan. You pay early, you get rewarded, can’t get any easier. The phone updates a few days before your payment is due is awesome. Payment goes through like butter, can’t ask for anything more.",5,Affirm Does What It’s made for,
JL from Harlem,FALSE,12/5/2018 6:10,"This app is awesome and convenient. So easy to use, so easy to switch between payment methods or to add/delete them. It’s not like some apps where you have to go on the actual computer to do all major corrections. So I like the fact I can do it all thru the app",5,This app is awesome,
KazutoMLBC,FALSE,10/5/2018 21:28,This app is wonderful compared to other companies. It was a pain at first verifying myself to start being able to use it but afterwards it works great. A coworker uses it and had no problems. Just wish their customer service was better.,5,Great,
Amby6,FALSE,8/24/2018 16:13,I have used this service for a couple things now and they make it sooo easy to purchase something you can’t pay all at once. Person friendly app and very easy to use!! I will def be using it again for future stuff I need!!,5,Amazing!!!,
Echoflow13,FALSE,7/21/2018 2:01,"Affirm allows you to pretty much buy any pair of kicks, clothing, accessories, etc., that you could possibly imagine. I never miss a payment but I enjoy the fact that they don’t mess with your credit. I thoroughly recommend it to everyone.",5,"Making the Seemingly Unattainable, Affordable.",
Ms.Yeni,FALSE,6/12/2018 4:24,I wasn’t too sure about affirm at first. I don’t have the best credit. But this has allowed me to buy my Jordan’s and adidas and make payments! Love this.  And the app makes paying off my loan so easy. I’m enrolled in auto payments but i can also save money by paying them off early.,5,Affirm,
mszulk,FALSE,5/18/2018 5:33,"Very upfront about loan terms and conditions, user friendly app, very simple layout, early pay off option to avoid paying a lot of interest. No hidden fees, and you can view every aspect of your loan. I am a customer for life!",5,"Great people , user friendly, straight forward",
Har59,FALSE,5/12/2018 0:03,"Enjoy the app because it makes it easy to purchase items at different places over time and pay monthly, pay ahead or just pay item off never had a problem and enjoy using.",5,Affirm nice way to buy,
ruggin ro,FALSE,5/26/2021 1:57,The approval process was straight forward and fast. They payment options were easy and cheap. They send reminders to pay a few days prior to payment due dates. Would use again in the future.,5,I like Affirm.,
MartoJB,FALSE,5/3/2018 21:02,"It’s great to use Affirm because things happen, especially with-an older car like I have and sometimes you don’t have the money right away, but Affirm makes it easy to buy the parts when you really need them and Affirm makes it flexible to pay them back. So I like using the app too.",4,Loans made easy,
Jaz Parker,FALSE,5/2/2021 18:45,I love affirm. I am able to get product that I never could before by paying in installments. And they also helped me when I needed to pay a payment later than the due date. I recommended this app to everyone!,5,Great client service,
Dragz,FALSE,3/11/2021 15:18,Thank you Affirm. The process is easy and having the ability to purchase big ticket items without worry of anything affecting credit score. I use affirm more often than using my credit cards.,5,Amazing,
Coolio boolio,FALSE,3/18/2021 2:08,"The customer service isn’t helpful at all. They do not know what they’re doing and cannot answer simple questions. Once I was able to speak to someone who had a slight clue as to what was happening with my order. Don’t bother with the virtual credit card.
You need a deposit amount to activate and affirm is the only place you can find it and even the CSR can’t locate it on their own system... total hassle and not worth the time and aggravation!",1,Not worth the aggravation,
Vanillasweet1,FALSE,1/8/2021 17:39,I really enjoy the fact that I can get my products now and make reasonable payments to pay it off. This helps me with my budgeting. I don’t have to save the money to purchase items I need or want.,5,Receive now pay later,
301Momof3,FALSE,1/8/2021 15:55,I was a little apprehensive to try this but it was so easy to sign up and get approved. It’s a great way to get things right away when you don’t have all the cash at the moment. It breaks payments into 3 installments and the best part is there is no interest!,5,Great Way To Pay,
jmacleo,FALSE,8/12/2020 14:51,I like affirm but I had to knock a star down because I made a purchase on the RealReal and it was NOT as described so I returned it well Affirm still deducted the interest off my refund amount. I shouldn’t have to pay interest on a returned item that was NOT as. described!!!! Just a heads up:(,5,I knocked a star down.,
Zamzam Family,FALSE,4/22/2020 16:44,"I’m very grateful and thank you, at the time I did not have the money to go to the Poconos great wolf lodge with my kids and you guys help me out. I AppreciateI doing business with you guys,  I am a single father with three kids. It is hard to satisfy and Suport kids these days. Very good rates as well. 
Thank you.",5,Z Family,
eme125,FALSE,2/19/2020 21:51,"When you’re in need of something (anything), and you don’t have a actual credit card this is an amazing option to help with purchases. Clear terms and helpful service.",5,Great options,
NicMead,FALSE,3/5/2020 0:00,"The app is actually really simple to use. I’ve gotten two “loans” through affirm with ease! Even paid ahead on them and got some money back. Even if you’re a few days late on a payment, they do not charge you. It’s a nice way to buy gifts for people or buy some things you need",4,Easy to use!,
Clazzegirl,FALSE,12/4/2019 1:06,I wanted this oven and had been looking at it for days. Offered a payment option which I knew was the only way to get this item. This app is easy to move around in. Would recommend to anyone,5,Just what I needed for Christmas,
Pmhndlh,FALSE,2/14/2020 0:03,"When I signed up for this, it was my understanding that this wouldn’t affect credit score unless delinquent. Guess what! It’s on my credit report. Yes, I’m on time. But beside the point. I didn’t want anything else on me or else I would have never done this. BUT I won’t do it again. Not to mention I signed up for 12 month payment plan and they set me up on 8 months which in turn made my payments higher than I had planned for. But guess what.... they can’t change it.",1,Credit reporting,
Seriously196310,FALSE,2/4/2020 4:08,"This used to be a great app and great financing. I just updated the app on my phone and when I went to check on how much I am pre approved for, it said it couldn’t verify me and to try back in 29 days. However I have several current loans and several paid loans with them so they obviously were able to identify me before. Customer service was no help. Don’t think I will be doing business with affirm anymore. It was a great company but no longer.",1,Why did you change the app,
Lydia Arsta,FALSE,11/30/2019 4:42,This app is amazing. I would have had to wait so much longer to purchase a quality mattress without using Affirm. It is so easy to make payments and they text me and email me when a payment is coming up. So convenient!!,5,Thank God for technology,
Shelby Kristina Butler,FALSE,11/8/2019 14:56,You no longer need a credit card with this loan service. I’ve paid for three huge things with this service and they don’t have any late fees and it doesn’t hurt your credit at all to check if you qualify!,5,Amazing!,
Coastie Swimmer,FALSE,9/27/2019 18:59,"I recently financed a very expensive watch through Affirm. The terms and conditions were all very easy to understand. 

No trickery, no hidden fees, and no freaking paper. 

If you are financing, and you can pay your bills, I recommend financing through Affirm.",5,Up Front and Honest,
Nebshaj,FALSE,9/18/2019 6:38,"Thought we built great credit with a really cool concept. Was given 10,000 plus credit to buy great Rolex’s and after everything was paid off on time credit was reduced to 1/4 of initial offering. No rime or reason to any of this.",5,Didn’t work out,
BallyWally,FALSE,7/23/2019 2:43,"Great way to buy more than you should before you should. If instant gratification is for you, you’re going to love Affirm.

Seriously it’s a really smooth application. Like anything else with credit, if you follow the terms you agree to, you’re gold.",5,Fantastic,
Truthskr,FALSE,7/21/2019 17:27,"Everything about the process is smooth and easy. Fast response, options on payment plans, and the app makes repayment convenient. If you don’t have funds to pay all at once this company is the one to use.",5,Easy,
SamB1959,FALSE,4/26/2019 19:16,"Easy just describes using the app, making payments, receiving text notifications of payments and more. Just makes sense to have this if you have a loan with them or want to shop for pay over time items. 
Great tool!",5,Easy,
Angelz5710,FALSE,2/8/2019 5:08,"Have used this app quite a bit and have △⃒⃘lways been very happy with results. Customer service is easy to talk with and it’s nice to have the option to pay monthly when I feel like it. 

Pay early and less fee’s :)",5,"Great company, easy to navigate.",
bed about,FALSE,2/1/2019 21:41,"We’ll affirm came thru with reasonable payments. Also love the ease of payment and no interest. Also can we se my debit card so it comes out of my account quickly. This is a nice feature for me since I prelim all my bills one month in advance.

THANKS AFFIRM!!!!",5,Wife wanted a different bed after surgery,
erdnavad,FALSE,1/4/2019 3:31,With Affirm there’s always an option to make payment when you don’t have the cash and that makes them one of my favorites places to go when I don’t have the money to get what I want right away.,5,Always an option,
Frustrated in NW,FALSE,11/13/2018 15:10,I love how user friendly this app is. I have been able to change payment accounts with ease and schedule payments ahead to come out later. 👍🏻Finally a company who’s on point with current customers needs. Thank you!,5,Awesome,
Jeffmartinez25,FALSE,11/9/2018 6:48,"Affirm is awesome , I love the how easy it is to make payments and how they lower the interest if you pay off your loan early , I will continue to use them for purchases and I recommend this app to anyone who is on the fence about it , give it a try !",5,"Affirm is an easy, straightforward App I love to use!",
Ruff&Ready2,FALSE,11/3/2018 13:05,Nice way to pay for mid-priced items over a short period of time without paying high interest rates.  The real savings happens when you make a concentrated error to pay account off in less than six months.,5,Affirm is what’s happening!,
21TONY11,FALSE,10/12/2018 11:05,"The affirm app gives me the ability and visual aid I need to feel reassured that my payments go through and how much I have left. And being an auto nut, affirm is always there so I can purchase parts for my endless projects and making my dreams come true.",5,Super convienent,
DJ Forge,FALSE,8/26/2018 12:52,I find this to be a better option than loading more debt on a credit card. The bonus is a clear way to pay off your purchases. Thanks!,5,Instant access for big ticket items,
lifehacknat,FALSE,6/7/2018 22:37,Affirm is so easy to use!! I never missed a payment because of reminders they send and it takes seconds to pay. It helps you to get what you when times are a little tight. I have really enjoyed using this app and service :),5,Easy peasy,
Soulsuit,FALSE,5/31/2018 10:06,I’ve now had 2 occasions that required me to pull a quick loan. Affirm has been quick and efficient on both occasions with straight forward terms and very easy to use system. I would certainly use them again if the need arose.,5,Great financial institution,
Mrs. M Williams,FALSE,5/29/2018 23:40,I love how easy it is to navigate through the Affirm app. It’s not complicated and it’s super awesome to pay off your balance and then turn around and be approved for a higher balance. I love it. I would definitely recommend to family and friends!,5,Super easy and amazing!,
Lauren and such,FALSE,5/21/2018 17:58,"The simplicity and ease of using this is wonderful. Very clear about your payments, interest, due dates. If you're responsible with your money, this app could be a good alternative for you if you need to buy something and want to pay in payments for 3/6/9 months!",5,Love this app,
Nonameisnttaken,FALSE,6/7/2021 6:47,It’s so simple to use Affirm. I recommend this method of payment if for some reason you can’t use your credit card or if you don’t have cash available and you need to purchase something Now!,5,Great way to pay,
ashcash9,FALSE,6/9/2021 0:42,"I used it once before and got approved no problem. I was late on ONE payment by ONE day, but I still paid it all off. A few months later I tried to use it again and instantly got denied. I was confused because I paid it all off, so I called customer service. That’s when they told me it was due to my “poor payment history”.  If you do use it, make sure you pay it all off on time because they’ll deny you quick, even if it’s just by one day.",1,It’s okay,
jackchit,FALSE,3/25/2021 16:42,Just wanted to tell you how great it was to not have to pay out of pocket for vacation Affirm simply gave me payments which paid off in just a few months so much easier Will use your services again thank you,5,Vacation loan,
Mojojojo813,FALSE,4/6/2021 18:44,It’s great they have a company like this to help you pay for things when you don’t have the money. The only down fall is that it can hurt your credit score when you owe them money so I try to pay off my balance as quickly as possible.,4,Helpful when needed,
?)(2464,FALSE,1/12/2021 22:52,"Affirm has made it easy for me to get my phone, and when I moved, I used affirm to help me finish my new place. Its very handy, convenient and the best part is that the payments are very reasonable, my favorite part! I recommend them, I talk about them and will continue to do so. 

Diana",5,Love affirm!!,
Kate40812024,FALSE,2/11/2021 20:42,"I got a new phone number almost a year ago. I have tried over and over and over again to update my number through the app and through the website. Every time I follow instructions to do so, I get the same old error message. There is no option to call or email. It’s ridiculous. I’m trying to use this service but cannot due to terrible customer service and a poorly designed app/web page.",1,Terrible customer service,
covington55,FALSE,1/1/2021 17:21,"I have paid all my loans on time every month. I have been with Affirm for three years. I hope this company stays around, because I would never miss a payment or be late. It’s the best way to buy anything you want 💛💛💛",5,Amount to spend,
Optimistic facebook user,FALSE,10/10/2020 20:09,"I love how affirm helps me build my car. I have bought tires, taillights and things I need at a affordable monthly plan. As long if you pay your loans you’re in good hands. Thank you Affirm and I will be using you often and recommend",5,Affirm helps me build my car,
audible fan 4sure,FALSE,7/31/2020 17:56,I really wanted a ninja but I just couldn’t come up with $200+. Affirm made it possible. I could make the $20 per month. Which I did for about 3 months till I got back to work and was able to pay off remainder. Thank you affirm!,5,Made it possible,
V-Ron2989,FALSE,7/1/2020 18:46,"Affirm is my favorite financial services company out there! 

By working with companies like Expedia, Affirm has enabled me to finance vacation experiences around the world. 

I have used the service twice already and would definitely use it again!",5,I LOVE Affirm and would def use again!,
mustangsilver,FALSE,5/2/2020 3:21,I think it’s ridiculous that a person must get prequalified before they can shop. I would think you would give someone a chance for other means of payment also.,5,Shopping,
MiggieKrak,FALSE,5/22/2020 2:53,"I love the app. Love the easy way you navigate, make payments, etc.. HOWEVER, I have been a perfect customer. Pay balances ahead of time. Paid over $4,000 in loans. Perfect....BUT after paying $800 in under 30 days and paying off everything, I get approved for $190. I love the history I have had with Affirm, but this is a BIG slap in my face. I will not come back and will no longer recommend Affirm. Once my measly $190 approval disappears in 7 days I am deleting my account.",1,Perfect Customer but no credit,
genarl lee,FALSE,3/30/2020 18:33,"If you need to buy something you don’t quite have money for. This is the app for you. I use it to buy plane tickets a lot, and I use it to get parts for me Jeep. Hands down my favorite shopping app. And the store selection is huge.",5,It’s a great way to shop,
Phil Bilderback,FALSE,3/25/2020 22:50,"The app works well, but the really amazing thing is 0 interest financing witghout hidden fees or bulls*th. Using payments to afford large purchases without being subjected to credit card interest rates is really amazing.",5,Affirm would have saved me so much in credit card debt!!!!,
Quinnarino,FALSE,2/28/2020 3:24,"It seems absolutely fantastic but I can’t get approved due to the system being unable to verify my identity. I’ve contacted support twice after waiting 3 times for the 30 days to be up for me to apply only to get an automated message saying they basically can’t help me. I understand that your decision is final but I’ve had no issues with anywhere else verifying my identity. I’m sure I’d give it 5 stars if I could solve this, but I’m tired of waiting 30 days for nothing.",1,Pretty useless,
Qpln,FALSE,2/7/2020 17:27,This app has helped me keep track of my payments and dates it’s so convenient and doesn’t charge late fees I’ve been using it for about 6 or 7 months and wouldn’t go any other way or choose any other app! Thanks affirm team!,5,Honestly an Amazing app,
Odysseus 14,FALSE,12/12/2019 0:46,Affirm is easy and always available to make small or big purchases.  It's great to know that I have Affirm to help me out if and when I need to make purchases or for the things I never expected to happen.  Thanks Affirm!,5,Easy and Always Available,
Eeshhhh,FALSE,11/11/2019 22:21,Excellent app! Excellent and efficient customer service. All around great alternative option to shopping for those who see something they absolutely love at there favorite online retailer without the hassle of using their credit card!,5,Great!,
Ghostrider75456,FALSE,11/19/2019 1:01,"I needed my Payment to be a certain amount so calculated what I would need to save up to afford this payment to buy my smart trainer. Low and behold when I looked for that signing up there was nothing so I hoped that making the first payment with that large Lump sum would have allowed me to have that payment and it did not, so now I’m faxed with making super large payments or returning the goods. Please contact me Affirm if you can help!!!!",1,No option to put money down to have lower payment,
Rob11749,FALSE,10/20/2019 15:41,"When you're on a fixed income, retired or in my case disabled. It really gives you something to look forward to. To know that we are able to do these vacations is fantastic my credits not great but I've gotten approved no hassle",5,Great Service,
crystal lavoie,FALSE,10/1/2019 7:10,"I have to say it only took a minute to get approved. It felt good to be affirmed to make the purchase I wanted when I wanted,To get the item I wanted. It  was the easiest payment plan to set up with their cutting edge app.  All I can say is thanks affirm that’s affirmative.",5,Affirm. The best easiest credit loan hands down!,
r. wriston,FALSE,8/24/2019 13:07,Would recommend to anyone. Easy laid out payments no surprises. You literally know exactly what you’re in for from the get go. Hesitant at first but now I wish affirm was used by more companies. better then any credit card out there!!,5,Love this financing company,
GetERDone,FALSE,8/24/2019 12:29,"Affirm and their App is great. Get pre-approved for what you need to buy and select your payments terms. I always pay of early to avoid all the interest. But, I buy stuff for my business and get it right away. Lot of stores you can buy from.",5,Affirm is easy,
Panda3420,FALSE,5/4/2019 11:18,Get what you need when you need it and make payments on it! Affirm got me a gaming setup that i love for low monthly payments and low to no APR! I recommend this app to anyone and everyone that would like to make a big purchase in small increments!,5,Amazing deals for monthly payments!,
Bevmax,FALSE,4/27/2019 13:56,Thank you for helping me get items I needed without the hassle of seeking a loan. I am impressed with the fast decisions and the low payments. I will continue to use this when I shop online. You helped me get airline tickets for a family emergency. So grateful. Thanks again,5,Awesome,
LewisAcosta,FALSE,4/5/2019 20:31,"Interest rate may be a little bit higher that most places but not hard inquiries, and you can get a huge amount financed right away, plus you can literally buy anywhere you want with the digital card",5,I love it,
trustChris,FALSE,3/3/2019 18:48,"For your wants and your needs! In some cases this is better than a credit card. You know exactly how much the loan will cost in interest, you chose your term for payments and that is it. Many companies even offer interest free through Affirm.",5,Simply the best,
Cervy805,FALSE,2/27/2019 21:16,"Affirm makes it easy to pay your bill, with automatic reminders a few days before the due date and the day of. Great way to keep your payments on track so you don’t rack up interest and or late fees!",5,Great way to make a purchases online!,
bn236,FALSE,1/4/2019 21:24,"Affirm is a great way to get the things you need your want easily. They provide you a way of making easy payments, instead of having to pay all at once! I have never had any problems with them at all!",5,Affirm rocks,
Niecy_92,FALSE,12/31/2018 2:23,"I’ve used it twice so far and it is super easy to use. Recommended to avoid actually using your credit. Also can pay however you’d like no fees, just make monthly payments or pay back in full.",5,Easy to use,
Anon747,FALSE,11/30/2018 12:36,"I was desperate to get car parts for my vehicle and affirm helped so much. The pricing is straight forward and didn’t have any extra inquiries on my credit to worry about, also the app is super simple and straight to the point just like the company!",5,Great app and service,
badcreditnomore,FALSE,11/27/2018 22:13,"If you are like me and have made financial mistakes in the past this is a great app to build your credit.

Microloans are perfect for me to get a handle on making my money work for me again.

The app works great and is easy to navigate.",5,Easy way to build credit!,
Stephmitch718,FALSE,11/22/2018 2:03,"Affirm is a much better option than traditional credit cards with high interest rates. Borrow what you need and pay it when you want! I’ve used it to travel, furnish my home and on Black Friday!! Will continue to use this company.",5,Best way to shop in 2018!,
WesleyH.,FALSE,10/14/2018 11:14,"I use it to pay my payments and it goes through with no hassle at all. It doesn’t take but a moment and the transaction is done. Will be using it in the near future once I have my loan paid, will be back for more!",5,Very easy,
cjpogi858,FALSE,9/12/2018 17:23,"Afirm is great especially for people like me with slightly good credit. thanks Affirm i can buy the stuff that i want and with your monthly payments you guys help me get it with no pressure at all. i would recommend you guys to everyone, no question ask.

thanks guys.!!",5,Great option.,
DesiignSTARR,FALSE,8/10/2018 3:17,I really enjoy the simplicity of this app. It does what it needs to without being overly complicated and bogged down with a bunch of nonsense. No problems with Affirm. It’s definitely come in handy when I don’t want to use my bank accounts or credit cards.,5,Great App,
JayKOall,FALSE,6/13/2018 16:36,I didn’t quite have the money for airline tickets for my Family vacation so I tried Affirm and Was approved for my loan now my family is going to Disney World at a cheaper rate than it would’ve been if I would have waited,5,Get a loan when other places say NO,
REFS92,FALSE,5/29/2018 19:34,"Use it wisely everyone, don’t go splurging.. this app makes it easy to buy your most wanted items over time and help not only build your credit but does it while offering low interest rate loans.",5,Great way to start building credit!,
Jala Monai,FALSE,9/16/2017 1:56,I was scared at first because I honestly didn't know how it was gonna hit my credit but I actually paid all payments on time with the help of the reminders no matter how bad I didn't want too. But it was super easy and I just might do it again soon .,5,Affirm App,
jefflaur,FALSE,5/25/2018 1:48,"As a busy voiceover talent and with three studios we needed to replace some items quick.  While available cash was there, the Affirm group makes payment plans instantly possible.  Really helps to know there’s a pre approved amount available in case we need to get gear quick.  Thanks Affirm!",4,A secure and easy way to acquire needed equipment,
micheleallen39,FALSE,4/23/2021 19:34,My children have never been to the beach! We are allll going this May to enjoy time together and just chill ! I’m so excited to see everyone’s face when they see the ocean!! My dreams have come true . We have the most fantastic home rented !!,5,Thanks to Affirm we are vacationing !!!,
Cmak1973,FALSE,4/7/2021 17:44,"Best buying app EVER. Without a doubt, started off small with their credit and within about 3 months my credit with them has shot in and I’m extremely happy about it. Why need a credit card when I have affirm? 😅🙏🏽",5,Best buying app ever,
Akhan0412,FALSE,2/13/2021 9:47,This is by far one of the best purchase option I have ever experienced in my life! A new way to purchase almost anything from your selected stores from the app. The CEO and founder of this company is a Genius! Say Bye bye to credit cards and compounding interest.,5,Absolutely amazing!!!,
Doc Shay,FALSE,10/1/2020 10:07,I’m grateful this app has allowed me to make many purchases I would of not been able otherwise. I’ve always payed off early but they have always given me great options with excellent rates in some cases even at zero %.,5,Using app,
Unbalanced opponent match up,FALSE,12/6/2020 18:36,They say no late fees which is correct but I made 3 payments 2 days late because my employer shut down for 2 weeks because of coronavirus so I didn’t get a check on time and even though I’ve spent over $5000 with them and paid everything on time which I only owe $1100 left and made 3 payments 2 days late they won’t give me credit now. Great way to treat people during a pandemic. Do not use this company unless you like being screwed,1,Affirm is a high cost B/S service,
Cooltjc00,FALSE,3/19/2020 3:05,"Not gonna lie, this is better than a credit card, since it doesn’t affect my credit score and I have the money for the stuff I’d just rather pay monthly payments so I’m not spending all of my
Money is pretty convenient and I like it",5,👍🏻,
David Steckler,FALSE,7/8/2020 16:01,I have never had a better experience in my life until I met Affirm! But since reviewing my credit Bureau I noticed 3 loans stating I was 30 days past due! My identity was stolen and I had auto pay set up on my accounts due to coronavirus! And being stuck in Quebec Canada for 7 weeks; which I could not conduct any Financial Transactions. I have a rapid payment on past loans! I am giving a one star because I can’t believe y’all took auto pay in April on one loan but on the others y’all didn’t!,1,SEABISCUIT,
nmc0412,FALSE,3/8/2020 1:55,Quick approvals and even if they say they won’t approve you some companies will as I have had going on 6 loans with them in which they report to experian... helping my credit tremendously,5,Wish I could give it 10 stars,
Metri531,FALSE,1/28/2020 12:31,"Great app to have when you’re in a pinch and need the help just to get you over in the right now. Quick and Ez to apply, rates can be a bit much but pay it off ASAP so you can keep repayments lower. Plenty of payment options.",5,Thank you,
Mary Artemis,FALSE,1/11/2020 13:51,I appreciate the latitude and freedom to buy special things in a special way and pay off in an immediate process!  Not a credit card that you continually rack up—affirm gives you a way to afford and obtain your own decided treasures confidently,5,Good way to spend,
Murrbeth22,FALSE,12/29/2019 20:31,"I am blown away by how easy affirm is. I have used this company for small personal loans several times now, and it has always been a pleasant experience. I especially love how they do not penalize you for paying off the load early. That is such a blessing.",5,Amazing,
Tinker286,FALSE,12/5/2019 13:09,Thanks affirm for making my life easier!! Your payment plans makes living on my income  so easy!! The process only takes minutes to approve..  so don’t hesitate and see if you qualify for easy payments on the things YOU want..,5,Affirm does it easy,
NFS2469,FALSE,10/25/2019 14:16,Thanks for giving me the chance for using you’re service I will be using it again and I’ll recommend to my friends I was 3 days late for my last payment and you guys waited till I got paid today thank y’all very much 🥰,5,Best loan company ever,
Dodiebean,FALSE,10/3/2019 22:46,"Affirm makes it so easy to qualify, make purchases, check your acct. status, make a payment, all aspects of buying on credit through all your favorite merchants.  The folks at affirm have really come up with a great idea and have executed it perfectly!",5,The Best!!!,
Diamondgyrl84,FALSE,8/7/2019 23:07,"I have to say I was skeptical at first. However after needing to book 3 Roy trip tickets last minute for a funeral Affirm, made it possible. Definitely would recommend for emergencies, or last minute trips!",5,Easier than I thought,
2xlg washer cust,FALSE,6/11/2019 1:34,I sign on and it shows 3 upcoming but when I click to view all loans it shows refreshing and doesn’t ever bring up any information,5,The new updated app is hard to use and doesn’t work all the time,
allan_98,FALSE,7/20/2019 17:57,"Hi there I recently downloaded this app and want to try it out but I’m having an issue or getting an error connecting to bank ? I already updated the apps but still receiving the same issue. Is there anything I can to fix it, and my current bank holder is Wells Fargo .",4,Connecting Problem,
CCplayerSept2016,FALSE,6/23/2019 1:15,"I’ve paid more than the minimum for the last several months....and I’ve paid early....somehow my next payment is in August?  Once mid period, I sent off money I thought would just be applied to the principal.  I’d also like to know how I’ll be notified when a payment is due...so far I haven’t received any notice, is that because I’m ahead??",3,Confusing,
BasedLifeStyle,FALSE,3/27/2019 2:38,"Very smooth app. Although for my purchase that typically does not have any financing done, it’ll work to make things easy 👌🏽 option of paying off loan each time in full, as a permanent option is awesome to avoid interest.",5,Smooth,
Varnadod,FALSE,4/12/2019 4:40,"I love Affirm as a whole, but the app JUST made an update, and I can’t select any of my options under “offers”. I’m sure it’s just a bug that’ll be fixed. Affirm is the best thing I’ve come across. I’ve been able to get 2 MacBooks, a few pairs of shoes, and some accessories. Mattress next! Thanks for all you do.",4,Would be 5 stars,
shoptilidrop2019,FALSE,3/21/2019 14:12,"It’s a safe, easy way to make online purchases. I’ve been using affirm for a couple years now. It gives you more spending power, especially for big purchases.",5,"Fast, convenient way to pay online!",
Skiwisgaar666666666666,FALSE,1/9/2019 20:17,"Gotta love a company that doesn’t hide any fees, is honest about your totals, and actually gives a little bit of leeway in terms of paying them back on exact due dates. I’ve used them to fund a few gear purchases and as long as I can afford it I’ll use them",5,No BS,
mich5778433,FALSE,2/26/2019 23:07,I had a great experience with them at first. I used them frequently then it all went to hell when my credit score dropped for student loans. After repairing my credit affirm did little to reactivate my account. They do not look at clientele that pays consistently and has been on time for all payments versus what the credit reports are saying. For that they have lost me as a loyal client. Goodbye affirm it was fun.,2,Amazing app at first then went to S*%t,
1review4:),FALSE,12/31/2018 22:20,Always available 24-7 in a pinch or general use. Good customer service. Make sure you use your credit wisely. It is easy to get in over your head. Simple rule pay off what you borrow in a timely manner to avoid the interest.,5,Great Program,
SchochJohn,FALSE,11/22/2018 23:17,This company is honest and I loved that they covered 1300$ on a 2000$ item. I was also able to get Affirm to give me 2 loans on top my current loan. Only had to pay the rest which made it so much easier for me. I will be an affirm customer for a very long time. Thank you Affirm!,5,Affirm A+,
mim1.0,FALSE,10/20/2018 20:54,"I discovered Affirm via a shop that offered it. I curiously placed the order through Affirm and have been hooked ever since!! I can choose the loan interest and payment months, this has easily replaced by credit card usage. Obsessed!",5,So convenient!,
Scooter elements,FALSE,9/29/2018 13:09,Love affirm. Great way to get the things you need without having the money to get them now. Have used affirm several times to buy a brand new scooter to get back and forth from work. And other stuff. Perfect terms. Easy app to use. No hidden fees.,5,Great all great way to get help,
RAngel95,FALSE,8/28/2018 10:04,"App is straight forward and is very user friendly. You don’t have to guess about the amount you owe, it’s right in front of you-no guessing required. I enjoy using Affirm to stretch my payments over time and I love the virtual credit card. Good App and company!",5,Satisfied Customer,
Deanna Hudmon,FALSE,8/7/2018 12:12,"Affirm is soooooo easy to use, make payments, and keep up with your balance. They even show you how much interest you’ll save if you pay off now. Plus they don’t mind if you pay off early. I’m on my 5th or 6th loan from Affirm. Highly recommend them",5,Superb,
jofey04,FALSE,6/28/2018 21:16,"Simple app but quick, easy to navigate, and no hassle for making payments, viewing previous and upcoming payments, setting up auto pay, and checking eligibility for other loans.",5,"Quick, easy, no hassle",
debraecm,FALSE,6/26/2018 20:16,This app makes the entire loan process from start to finish a piece of cake. Everything you need is right at your fingertips. I also appreciate the cleanliness of the app and by that I  mean NO ads. I highly recommend this app.,5,Extremely user friendly app,
King Of All The Blues,FALSE,6/12/2018 1:23,I’ve used affirm for many loans and they are always willing to help out with many purchases. In fact yo you can have many loans at once with low monthly payments.  I ready appreciate all they have help led with. Keep up the great customer service. AWESOME,5,Great company and personal assistance,
huggsz,FALSE,6/1/2018 23:47,I make a purchase choose the amount I can afford from the options and I get a reminder on my phone when the payment is due. It couldn’t be any easier.,5,The best thing that has happened credit wise,
katers05,FALSE,5/14/2018 15:47,This is such a great app!!  Perfect for people who don’t have the best credit and want to purchase items without having to use a credit card!  Payment plans are affordable and the interest isn’t too high either!!  I will always use affirm!!,5,Love Affirm,
kristalynn222,FALSE,5/10/2018 21:24,I absolutely love how convenient and quick Affirm is! I was approved instantly and was able to make my purchase within minutes and always get reminders about my payment nearing due date so i don’t forget! Very easy to work with!,5,Amazing!!,
Fargomargo,FALSE,5/28/2021 19:19,Affirm helped me to be able to shop for what I wanted and make monthly payments on that was affordable...having Affirm was extremely important to me because I was able to still pay the rest of my bills on time.,5,Helpful!!,
andrewaqu,FALSE,1/18/2018 21:40,"Not a fan, they approved me for a small loan at one store and then the store cancelled the order due to a problem with the part. I tried going to another store and now affirm declines me for any new loan request.  Doesn’t make sense that they would approve me at the first store but not the second (essentially for the same item just different stores), for a similarly priced item. I will just pay cash for the item then, thanks but no thanks.",2,Not so sure,"{'id': 3274719, 'body': 'We are sorry you are having this experience. Please reach out to us directly at help@affirm.com so we can answer any questions you have.', 'modified': '2018-04-26T20:34:53Z'}"
T. Woodward,FALSE,5/19/2021 18:44,"Affirm is easy, quick and convenient for online purchases. The App is intuitive with easy to use options for payment.",5,Better Than a Credit Card Online!,
troubled often,FALSE,3/20/2021 5:38,Affirm has helped me a lot getting things I need or when funds are not there. I would recommend this app to anyone who needs a little something when times are hard for them.,5,Thank you,
Steven#99,FALSE,3/10/2021 23:21,What a great way to pay for all types of goods and products with a simple monthly payment. The affirm web site is easy to manage and provides excellent customer service feedback and options for payments,5,Affirm,
Darth Cerium,FALSE,8/1/2020 17:07,"You guys are awesome! Really helped me out when I was in need and my credit wasn’t that great. Mistakes were made in my ever-so-filled with wisdom 20’s; also, situations when no fault of your own. I find those 3-month 0% APR offers excellent.",5,Even during dark days...,
Abbassaka,FALSE,7/22/2020 11:26,I am always happy that Mercedes Benz was always do an excellent job fixing my car. And to tandem with Affirm amazing! Thanks a million that you let me make my car get fixed then pay it installments. And a big thanks to my service representative Dave of Mercedes Benz of Tampa. Always Five Star!,5,Mercedes Benz of Tampa and Affirm Excellent!,
Deedan922,FALSE,3/7/2020 1:49,This is a very easy app to use. Interest can be a little high but if you do the 3 month option it’s a very affordable way to go. Great way to get something done without having to use a credit card. Perfect for Poshmark.,5,Easy Breezy,
Joejoecapone,FALSE,2/20/2020 23:00,"I mean, my bills are budgeted and I take care of my household. I made an important purchase recently but before I was sad I couldn’t afford it. Affirm made the dream come true. I don’t mind the payments. Just didn’t have 1,500 at the time. Thanks Affirm for trusting people.",5,Made my life easy,
MsMrak,FALSE,2/3/2020 15:53,I absolutely love affirm. I was able to book my airline tickets using affirm to do a book now pay later option. Customer service has been amazing! I will recommend it to my friends and family.,5,Amazing,
Simsk8er,FALSE,1/3/2020 19:49,"What a life saver.  I have bad credit and I got approved it allowed my family to go on vacation and now it’s helped us buy a couple

Ore things we wouldn’t have been able to.  No strings attached and you can lay off early no penalties.",5,Best loan service I’ve used,
So fun!!!!!!!!!!!!!!!!!!!,FALSE,12/30/2019 20:17,Affirm is a great way to purchase on line and has a great variety and selection when it comes to choosing a variety of products. Thanks affirm for making a selection quick and easy when shopping.,5,Affirm,
488 one,FALSE,12/28/2019 17:17,Way better than having a credit card imo. You know what your final bill is gonna be. Easy low payments. Can pay off early to avoid interest. The staff is incredibly friendly. I absolutely love this app!,5,Great and Easy app to use.,
Gator_Johnson,FALSE,11/7/2019 0:01,"Affirm is one of the best credit options to purchase merchandise! You’ll know right up front what your interest will be and pay it off early and save with no penalties. I’ve used Affirm on more than a few occasions and I love it! Thank you Affirm! 
How can I buy Affirm stock?",5,Awesome!,
TracyShore,FALSE,9/12/2019 19:20,Easy to find my balance. I set up auto pay but have been paying ahead of time to lower interest. Not good credit. They are really helping my credit. Definitely recommend them.,5,Easy to use,
Zsolt97,FALSE,5/4/2019 15:15,"Didn’t think I needed a company like this, but makes purchases easy and payments easier. Can get something and break it up into payments! No penalties for paying off the balance and super easy to use app that is streamlined and great looking.",5,"So Easy, So Great",
yayo10987654321,FALSE,6/15/2019 6:45,"Super straight forward friendly user app! Connect to your bank checking or add debit, however you wanna do it it's up to you. Accurate live updates about orders, only missing some sort of live chat or customer service. I love Affirm's concept and the app is great. Would definitely recommend",4,Love Affirm cause it's Firm!,
Watzon97,FALSE,2/23/2019 19:16,"This app is everything that you would expect, you can used the mini loan credit card feature or you can pay/check your bills. Simple and easy to use as always.",5,Full Featured,
FIETSAM,FALSE,2/4/2019 18:14,"I was a bit skeptical but their interest rates are quite low, considering what’s out there and I’m not a big fan of taking out loans but this is definitely worth checking into- it’s cheaper than a regular credit card to be honest",5,Not to Shabby,
hncvasquez99,FALSE,1/25/2019 15:44,"It’s been a month now and I still haven’t received my refund for an item I returned. I’ve been told three times now that I will be refunded on a certain date, which have now come and gone, and I still have not gotten my money.",5,Refund,
Annjealousy,FALSE,1/20/2019 6:40,"Your prequalified amount is immediately available, loan interest and payment dates are always transparent, and I’ve never had any problems! No change in my credit score, and the money is ready immediately. I LOVE this app!",5,So easy,
darock74,FALSE,12/30/2018 21:20,"As long as you have good credit, it easy to get a loan and get it paid off with 3, 6 to 12 months options. I wish there’s a 24 month option for large purchases. At least over 1k.",5,Easy to use,
Nadine Reyna,FALSE,12/22/2018 3:27,"So easy to make payments! I love how they simplified everything. You can see what you owe, how much of that is from interest, what your interest rate is and so much more. I would definitely recommend and will definitely use again.",5,Simply great!,
Dnpearson,FALSE,10/22/2018 23:58,"Let’s face it, we don’t always have the money upfront for new purchases. With affirm, they offer a good experience giving you an opportunity to get what you need, at an affordable price. I will use them again in the future!",5,Easy to use!,
Jillie722,FALSE,10/20/2018 0:50,I have nothing but good things to say about affirm!! Fast approval and you can get a prior approval amount good for 7 days!! Easy peasy!! Oh and they report to all 3 credit bureaus!! And to get a approval is only a soft check so it doesn’t affect yours score!!!!,5,Great option to make a large purchase,
impressed KF,FALSE,10/17/2018 3:49,"Easy to create account, convenient at check out when purchasing - if all companies were like this consumers wouldn’t leave . I’m a busy professional who needs efficient processes to handle important personal stuff.  Great so far!",5,Pleasantly Surprised,
romswife23,FALSE,10/16/2018 16:24,I love how Affirm gives me the opportunity to purchase the things I want now and let me make affordable payments overtime. I love how I can make additional payments whenever I want to pay my balances off quickly. The app I super easy to use and very convenient.,5,Awesome,
SnT314,FALSE,9/21/2018 14:46,"I love Affirm, how it only takes a minute or less to be approved and use the app to buy things I need.  Making payments is also easy, done all on my phone in a few seconds.  The terms and interest rates are reasonable.",5,Super Easy and Fast to Use.,
Miene,FALSE,6/28/2018 16:44,"I love this app, and the ability to access a loan within seconds is great. I love the auto pay feature; and also the fact that each loan, balances; and upcoming payments are easily displayed.",5,Accessing a loan has never been easier,
Bda0012,FALSE,7/9/2018 18:52,"I was approved for about $1500 about 10-11 months ago.  I paid that loan off in time, no problems.  Now interested in another, I open up the app, to be forced into checking if I pre qualify, only to find out that, for some reason, I now don’t qualify for a single cent, and I have to now wait 30 days to check again.
Absolutely useless now, and I will be closing my account and deleting the app.",2,Useless after one loan.,
scdixon,FALSE,6/28/2018 2:28,"A straight forward, incredibly great, low cost finance provider.  I’ve now financed five 3 to 6 month deals using affirm and find this to be one of the best services in today’s financial environment. No hidden fees, no nonsense. Straight up value that’s simple and effective.  I find the cost to finance equally valuable.",5,Affirm financing,
PinkDiamondDonDiva,FALSE,6/3/2018 1:14,"I love Affirm! This is a great service to use and the app is easy to use. Applying for the loan didn’t effect my credit score, secure, and was easy to apply for. Making payments are super easy. This is a service I will definitely recommend to others.",5,Great App! Easy to use.,
Mooser09,FALSE,6/20/2018 19:12,"No frills and no mess. The app works and does its job well. I like Affirm as a company (never had any issues and customer service is outstanding) and the app reflects them well - no hassles. The ONLY reason I'm not giving 5-stars is the app doesn't have the capability to conduct split payments. Other than that, it's perfect.",4,Simple and it works,
Mc21Law,FALSE,5/22/2018 16:51,"My credit wasn't the best initially and got approved for a small amount initially but Affirm helped build my credit and now I have a credit approval of $4k.  I have furnished my home, purchased tickets to sporting events and Disney.  Will continue to use and recommend.",5,Best thing ever,
nychica13,FALSE,5/20/2018 2:23,"When I needed financial help and couldn’t afford to purchase an expensive piece for my car, I discovered Affirm and it truely took a load off my shoulders. Affirm is 100% trustworthy, easy to use, and there’s no sketchy catch. I recommend this to anyone.",5,Greatest thing I’ve discovered,
Maverick Duarte,FALSE,5/18/2018 3:48,"I highly suggest this app if you are financially responsible. Because of this app I was able to purchase a guitar I've always wanted that unexpectedly went on sale. I didn't have the money at the time, but because of this app it saved me about $275. ⭐️⭐️⭐️⭐️⭐️",5,Fast & Easy,
Azalea75,FALSE,5/11/2018 1:10,"I love the convenience of being able to use it in many different sites. Love the fact that I was able to split my balance over 6 months, at a great rate ! Thank you affirm can’t wait to use you again for my next purchase 👍🏻",5,Awesome,
Cards all the Way!,FALSE,5/5/2018 12:12,Very user friendly! Helps a ton when something happens and you really need some help cause you are not able to come up with a larger amount of money in a snap of your fingers! Affirm is there to help!!! I will work with them anytime!,5,Great to work with!,
Thereal50Tyson,FALSE,4/5/2021 15:39,It’s the way that I’ll shop from now on to make those big purchases that I would much rather make payments on. Get your Christmas/Holiday shopping done ahead of time without your wallet kicking you in the seat of your pants.,5,I love it!,
TransDragon,FALSE,3/16/2021 0:10,"I’ve used it to finance big items through Walmart like game consoles and some furniture. Haven’t used it with other sites but I love it. No credit check was actually needed, which I didn’t have a problem with but it helped.",5,Great app!,
Satinsmooth5,FALSE,3/7/2021 0:12,Can’t say enough about Affirm and how they have helped me own what I wanted that I couldn’t immediately afford out of pocket! Customer service was always very helpful also if I had any sort of problem. The BEST! Thank you Affirm!,5,The BEST WAY to finance what you want or need!!,
DPR&B,FALSE,2/6/2021 14:36,"I have been using Afirm for over a year now, and they have been a joy to work with.  Financing with Afirm is so simple and user friendly, that I will continue to use them.
Afirm is far better than a traditional credit card.
Kudos To Afirm and Thank You!!!!",5,Awesome Financing,
Msraeng,FALSE,1/27/2021 19:10,Easy to use! Extremely affordable payment options! This company has made it easy for my wife and myself to rebuild our credit when it seemed impossible before and we are grateful!,5,Godsend of a company,
wyldstang,FALSE,1/17/2021 20:32,I’ve had a couple of great experiences with Affirm. And decided to buy stock in them! The entire process is easy to use and customer service is extremely friendly!,5,So easy to use I bought stock in the company!,
xxxxxBLADExxxx,FALSE,12/23/2020 7:23,"I’ve been using affirm for over a year and a half now, it’s a great credit program and easy to use, easy to shop with online and easy to get qualified. I love it, payments are reasonable and so is the interest.",5,Great app easy credit,
TunnelPath,FALSE,12/5/2020 6:10,Like how I quickly prequalified for Affirm. Was able to buy the items I needed. App runs real smoothly and easy to understand. I can use Affirm on a bunch of merchants online and offline. This is definitely one of my top apps on my phone.,5,I love it!,
Javonyo,FALSE,5/9/2020 5:10,this app is the best way to start purchasing things outside of your current bank account ammount!! you’ll learn how to make on time payments and become a responsible buyer! i highly recommend this app,5,Start making payments!,
TechMahn,FALSE,11/8/2020 0:39,"This app, I don’t know yet, I was told I was approved but then that was cancelled. That’s not right at all, and I know it’s from the app gathering information because background refresh is off but thus thing is killing my battery, I’m so tired of companies farming private data and lying about it and pointing to some fine print bs they say was agreed to.",3,Was told I was approved but wasn’t,
Big k fan ,FALSE,3/30/2020 15:49,Someone who has some band blemishes in the past this helps out a lot. I want young and dumb in college and that hurt my credit score. Now I’m more financial stable and trying to build up my credit. 5 stars all all around!,5,Such a great and easy app,
johnjaviee,FALSE,3/18/2020 15:24,I use this for all my car related purchases. It helps so much when i dont have the money up front to fix my car. Use this app and i can get everything i need and pay later! Thank you Affirm!,5,Great app and company,
Mr.Scarecrow16,FALSE,3/13/2020 15:26,"So I’ve tried many times applying for credit cards, only to get declined every time. Well thanks to affirm I was able to make a big purchase, and pay it back in affordable payments. I highly recommend this app.",5,I love this app!!!,
Joker1725,FALSE,3/11/2020 8:16,So easy and fast to pay back. This app has got me out of a lot of issue. I will recommend this app to everyone. The customer service is great and works very fast. A must have app or service you will always need. Thank you,5,One of the best app ever.,
RedheadEliza,FALSE,2/12/2020 20:45,"I have been using Affirm since 2018. I mainly use it for StockX. Never had a problem with it, I always pay on time or even before my due date. Never got denied. It has help me buy things I want without having to save first. Thank you!!",5,I love Affirm,
Angel-ica,FALSE,1/2/2020 19:57,Affirm has made my life so much easier and better!  I love being able to order what I want and need and pay off in short amount of payments!! It’s the best thing and even better than a credit card!!,5,Affirm,
one5three,FALSE,12/15/2019 18:16,"I’ve used Affirm to buy thousands of dollars worth of items online. Many Merchants offer Affirm as a payment option, for those that don’t, Affirm will give you a 1-time use VISA for the amount you need. Excellent Financial Service!",5,Affirm- Highly Recommend!,
Knico22,FALSE,12/14/2019 15:50,Absolutely love Affirm. So easy and convenient. They are upfront and straight to the point on all fees. You can even save money if you pay off loan sooner. They are affiliated with so many companies in so many different outlets. Glad I found out about this.,5,Must have,
wont load anymore,FALSE,12/12/2019 4:37,"I love this app. Everything is easy to find and operate. No clutter, everything you need to manage your Affirm loans right in one easy to use app! I wish I could manage my auto, home, and personal loan through this app as well!",5,User Friendly,
annahammons,FALSE,10/22/2019 2:02,"This app really is kind of awesome. I can buy what I want, pay a partial payment, and return anything I don’t. I have time to think about it, with out having to be out all of the money, for things I may not want. It’s really easy.",5,What a time to be alive.,
dont bite,FALSE,11/1/2019 12:29,"Con - Never know what your limit is. You can be ready to check out and Affirm doesn’t give you enough to make your purchase so time is wasted...
Pro- . But other than that it’s good to be able to make monthly payments and have your items vs layaway where you can’t get your stuff until the balance is paid.",3,What is your limit?,
Caretaker22,FALSE,9/1/2019 21:13,The app and the method of payment could not be easier. I have bought several items with a firm and have never had a problem. Thank you for such a wonderful program.,5,The Best Way to Pay,
Zwafai,FALSE,7/18/2019 12:40,"This is a great app and am
So glad I stumbled upon it. I can now enjoy shopping and booking trips knowing I have time to pay it off instead of all
At once! I set it in auto pay and let it do the rest! Keep up the good job guys ♥️",5,Very helpful and handy,
bmac204,FALSE,8/26/2019 17:55,Set too high a cushion for the item I intended to purchase while trying to see how the app worked and when I went to purchase said item I wanted the price to be closer to the loan amount so I canceled the first transaction and had to leave the store and waste my time and store associates time because I have to wait for it to process 1-3 days. If I never used it I should be able to cancel and make a new transaction with ease if I’m already approved.,1,Waiting up to 3 days to use app,
Mr. Denali,FALSE,7/6/2019 15:34,"Awesome. With affirm they help u in more ways to get what you need at the time you need it. With there on-line card you can have spending power where you need it most. I have been dealing with them for 2 
years and they have always been there. 
Thank you AFFIRM!!!!!!!!!!",5,Mr. Denali,
Misswarren,FALSE,6/27/2019 9:04,I applied for Affirm and my interest rate was very low the total was given to me upfront it was about $50 more than what was loaned thank you Affirm. I was able to get some furniture for my new little condo.,5,Love it very straightforward low quality interest payment plan,
FreeFlow56,FALSE,6/20/2019 2:17,I had the pleasure of getting financed through Affirm several times. I have never been disappointed or regretted in my choice to use Affirm. I feel that their payment plan is more than fair. I would like to extend my deepest appreciation for business.,5,Awesome,
Choclodite,TRUE,6/7/2019 17:53,I used affirm once before and it was very smooth and convenient but if you change your phone number - it’s a complicated procedure to correct it. I do enjoy the service when it works.,5,Bad customer service,"{'id': 3858086, 'body': ""We're sorry to hear about your recent experience.Please feel free to contact us directly at help@affirm.com"", 'modified': '2018-06-15T17:42:56Z'}"
iPaidOnTime,FALSE,5/13/2019 5:25,"I have several loans from Affirm I always pay on time and/or I finished paying my loans before time, but now my credit is only &480? Why what did I do wrong if I pay always on time? I don’t understand what happens",5,Why they reduced my credit?,
NiaB.,FALSE,5/7/2019 0:38,I was trying to set up an account to pay and Affirm was trying to prequalify me and denied me because I didn’t fill out the right thing. I still can’t figure out how to pay. Difficult and confusing to navigate.,5,Confusing,
dust buckets,FALSE,3/5/2019 5:35,Affirm has been great to me and allowed me to make purchases I wouldn’t have been able to make otherwise. The app is simple and easy to use and makes for viewing balances and making payments quick and effortless.,5,Affirm-ative!,
Maustz,FALSE,2/26/2019 14:21,I’ve been using Affrim for over two years now and I have always gotten just what I need out of them. They have given me great relief purchasing items and paying for them over time! I highly recommend giving them a shot!,5,Great Loan Agency,
Me 72552828!,FALSE,2/19/2019 11:40,"If you’re like me who doesn’t mind taking out a small loan that you can EASILY pay off, then this is the app for you. It helps with the little things in life: flights, beds, etc.",5,Makes it so easy to pay and build credit!,
JohnnyHollywood,FALSE,2/16/2019 20:05,Affirm is solely to blame for my growing guitar and amp collection. They charge about as much as a credit card but the minimum payments are low so it’s easy to pay off your purchase early and then your done.,5,Quick and easy way to finance purchases!,
BeamerboysL6,FALSE,2/11/2019 4:42,Used it for years now. Never had a problem with purchasing anything. I’ve been large and small buys. Always the same great quality. Easy to buy and pay. Highly recommend.,5,Great program!!,
Tofubarbie,FALSE,2/5/2019 2:01,"It is so easy to buy something and you can make payments whenever you want, thus paying off the loan quicker!  No where can you borrow money so easily and making payments is even easier.  Thank you AFFIRM",5,Awesome way to buy things!,
Huckfinnn,FALSE,1/15/2019 11:47,"This app has come in handy, especially when times are a little tough. It allows you to buy something and stretch out the payments a bit and with no finance charges. 
A little breathing room goes a long way these days.",5,Great App,
sphinxman06,FALSE,12/18/2018 17:05,"To borrow an ole school saying, THIS IS THE BOMB!!!  I could go on and on about the goodness of Affirm but you would just have to try it to really see the benefits.  Go ahead, don’t be afraid, it works better than it looks.  Paid off several loans in weeks.  I am just scratching the surface there’s more.",5,Rev. Dr. Jackson,
Pyramiiid,FALSE,11/24/2018 18:43,I gave 5 stars because it is a simple way to get the things you want. For me it makes getting the streetwear I want at affordable rates per month until payed off. Which can happen as fast as you want within their timeframe.,5,Affirm Rating,
Deelo15,FALSE,10/26/2018 13:10,I truly love this app. I have made purchases that I would not have been able to make where it not for Affirm. I was even able to make a trip to Washington D.C. I’ve never had any trouble with it. I would recommend it to anyone!,5,Affirm is life changing,
Deannna A.,FALSE,10/28/2018 23:29,"There needs to be more options for banks, that are only in some states. I would also recommend that affair links up with perfume store I think you’ll really benefit from it. And stop giving people the option to prequalify and then telling them that can’t, like thanks for getting my hopes up and then I can’t even do it. Also have the option for your virtual card and don’t make it so hard to apply for one and where to find it at.",1,My rating,
Jayjay434,FALSE,10/23/2018 3:31,"I have paid off $5,000 in loans with Affirm and was/is never late or missed a payment.  Yet, now that I almost have the current loan paid they won’t even considering another loan for any amount? They say each loan is as if it is your first loan with them, and not at all based on payment history or standing with Affirm. Beware, you will be in good standing with them for a length of time then they will drop you like a bad habit.",2,Affirm not so good,
Anthonybaker0714,FALSE,10/12/2018 0:44,"I absolutely love affirm!!! I’m big into building race cars and without affirm and the option to pay as I go, I wouldn’t be able to get the quality parts I need and pay the small payment every month. Great app and a great service couldn’t be happier",5,Great!!,
AmesFaye,FALSE,10/1/2018 0:56,I’m really grateful for this app as it’s allowed me to make a couple “want” purchases I’d otherwise have not been able to make. But... it’s way too easy to get a line of credit. Only use if you’ve got good self control.,5,Way to easy to use,
Ay-Ray,FALSE,7/12/2018 2:53,"I was hesitant at first because of the information that is asked, but if it was not for this app my credit score would not have gone up as quickly as it did.",5,Got my credit score up,
Alex on Bass,FALSE,6/10/2018 12:54,Like really enjoy using affirm. The terms and conditions are plain and simple. Very transparent as far as fees interest and payments. My only gripe would be that it’s nearly impossible to “speak” with someone over the phone. Other than that it’s great!,5,Great Financing Option,
cosmic nater-tater,FALSE,5/8/2018 23:40,"I’ve used affirm for a few years now since the purchase of my Casper mattress. Since then, I’ve managed to build my credit and enjoy shopping online and in store pickup at some locations. Highly recommend affirm for your purchase, all legit!",5,Great lending app!!,
sealfish,FALSE,6/1/2018 15:42,I purchased a Linux Laptop that was great through Affirm. I was upset that interest was charged on the loan because I was told by the Laptop Vender that it was a 12 month interest free loan as long as it was payed within the 12 months. That wasn't the case at all. Interest was charged. Affirm should offer no interest loans for 6 & 12 month loans. I definitely would use them again.,3,Great App,"{'id': 3775886, 'body': ""We're happy to answer any questions you may have about Affirm or your account. Please feel free to contact us directly at help@affirm.com."", 'modified': '2018-06-08T21:05:07Z'}"
We2care4u,FALSE,3/22/2018 3:23,"Easy approval, flexible payments, low interest rate, good credit builder (not that I need it for that but it helps). Have taken out two loans with them all have been paid. Will definitely do business with them again 😊",5,Easy Approval & Flexible Payments,
Amie_O,FALSE,9/25/2017 4:18,"I love that I can see upfront what the interest options are going to be, what my monthly payments will be. I love how easy it is to make purchases and informed decisions. I love that it is so easy to log in and pay. This app and company is the best 😊",5,Still cannot believe how easy it is,
Lakelife24/7,FALSE,6/8/2021 18:23,"So far this has been a great relationship with us. I love the ease of the mobile app. So easy to shop,schedule payment,browse. To us it’s has been an awesome decision to do business I highly recommend these guys for any of your needs.",5,My thoughts,
jcardio74,FALSE,4/18/2021 18:24,It’s a good app & payments for the things that you like or need. I don’t like the fact you can’t put a credit card for payments. Hope you report my payments to the credit bureau.,5,Credit card,
shuddbdikdbd,FALSE,4/18/2021 21:41,I cancelled my order with Zugo bike three days after it was placed. I’ve contacted Zugo several times and they stated that have let y’all know the order was cancelled. I’m still being asked to pay on this loan that Is for nothing?  There is absolutely no way to contact Affirm at all. I’ve emailed you guys four times with no response. This is getting weird. Zugo basically said they’re not sure what else to do since they’ve told you the order was cancelled.,1,Order was cancelled,
God Family Friends,FALSE,3/11/2020 19:53,The financing options available with Affirm have worked great with my budget!  Their app is easy to navigate and manage!  I will share this with all of my friends and family.  Thank you!,5,Great option for financing trips!,
sambuca bear,FALSE,3/22/2021 0:46,Really has come in handy. Monthly payments are easy. The big negative. It does not show up on credit report. All the payments you make on time don’t matter. Affirm is fantastic if you don’t want credit cards but does not build credit.,4,Little to easy to use,
Vilmaesoro,FALSE,2/20/2021 20:18,"Love the service and everything that’s offered, but something keeps going wrong and half the time I try to log in it keeps saying affirm is not available and the whole thing just won’t load at all, for hours at times!",4,Fix the app,
cpkoslow,FALSE,1/31/2021 20:37,It took me two months to change my phone number and several calls to customer service. 7-10 days after the change was accepted and then another 10-12 business days for the change to go into effect but that is after I waited a week and a half for the email asking me to submit additional information to verify my identity. It was a nightmare!,1,Don’t ever change anything on your profile,
Fotogirl 9286,FALSE,5/28/2020 18:45,"Can’t verify my identity based on 6 questions about my ex-husband from 10yrs ago? Who, by the way, I NEVER shared an account or any debt with. Are you kidding me??? Additionally ‘all decisions are final’ and one day I’m approved for $700 then the next I’m denied credit and told not to reapply for 2 weeks without explanation. I’ve used your app several times, never missed a single payment, and you’d think I had been sent to collections the way you treat me.  I’ll never use this app again!!!!",1,Worst app,
this nic name is already taken,FALSE,5/3/2020 16:28,"Too many times I have been denied for loans. The still cery unhappy Walmart partnership doesn’t work half the time. Takes way too long to resolve any issues or receive refunds. I have been responsible for doing all the leg work in getting things resolved. Been with the company for a few years now and have been capped out at the same amount!! I am a very good customer who pays on time. Once I have payed my remaining loans, I will be cancelling my membership. Very Unhappy!!",1,Unhappy!!!,
shanon3,FALSE,3/5/2020 16:01,Love the app and how easy it is to find exactly what your looking for. Affirm made a dream come true for my husband and me by financing a purple mattress for us. Our old mattress we bought when we got married in 1997. Thanks you for the opportunity to be an Affirm Customer.,5,Rate App,
Jerry Flynn Dale,FALSE,2/1/2020 19:15,"The affirm app still give outdated info from the credit bureaus. Also it is very difficult to personally contact a live person at affirm. 

Other than that I simply love Affirm, best company to get approved right on the spot.",5,Affirm app need an updated portal with information.,
iasteele,FALSE,2/1/2020 1:05,This is the best way to make big purchases. I will never go back to credit cards. The payments are straight forward with no BS and you always know exactly what is going on with your account. Highly recommend.,5,Affirm,
tipcilla,FALSE,1/31/2020 19:43,I have purchased two large ticket items and paid down without interest on both in monthly installments. It has been a great experience and the app is so easy to use. Very happy with this service.,5,Amazing app,
Noel9460,FALSE,12/14/2019 3:37,I have good credit but don’t like to use it because I used to be in so much debt and this helps me control myself. Don’t take my word for it just try it. I saw some bad reviews but didn’t think it was a killer it sounds like easy fixes.,5,I love it!!!,
ⓐⓡⓐⓝⓩⓐ,FALSE,12/4/2019 5:08,Using this app is way faster and more user friendly. I’ve been using affirm for over a year and I love it because you can basically use it anywhere online and they explain everything in your Loan terms.,5,Love affirm,
AMJN02,FALSE,10/24/2019 22:41,I download the Visa card into my IPay wallet and use just what I need. I pay it off within 2 weeks.  Very convenient for me. You ask for only what you need. This works better for me so I do not overspend.,5,Better than traditional credit card,
01tc,FALSE,11/26/2019 22:26,I have used this app twice and have never missed a payment and paid one thing off but it said that I wasn’t approved when I tried to use it again. I would understand if it had denied me in the first place but when my account with them has always been in good standing and I have never been late that should mean something...,2,It let me use it twice and now it says I’m not approved,
Kimberly9401,FALSE,11/14/2019 2:18,This was a five star rating. Loved them and easy to use. However now they are requiring me to log into my checking account to “qualify” me.  Sorry NOT giving you my bank info - that has SCAM city written all over it. You didn’t need it before to qualify me and I’ve paid two loans back and on time payments with the other three. Not sure why it’s required now.,2,Requires Access to Bank Account Now,
TLove1975,FALSE,6/26/2019 12:08,"Affirm has proven very helpful for me. This allows me to splurge a bit and backup for unexpected expenses, especially when it comes to kids. Only gripe is the change to $100 minimum loan, but they credit the unused back after about 10-15 days.",5,Great Idea,
Deni Darlin,FALSE,9/26/2019 1:41,The app takes you in circles as it does not provide consumers the ability to input 2 telephone numbers. This is problematic when trying to make a transaction and the phone you normally use has been lost. So Affirm - why not provide customers the ability to input more than one phone number? You provide customers multiple ways to pay. Consistency. Across. The. Spectrum. Is.A.Thing.,2,Consistency,
DS-UP,FALSE,4/30/2019 0:55,"Only improvement would be to allow the customer the ability to schedule multiple payments per month, scheduled over the life of the loan.",5,Schedule payments,
jamrunnee,FALSE,5/20/2019 0:31,They were a backup but after a month I got a notification about my ability to up my credit and they did tell me that they were going to run my credit. I felt a little deceived and that’s why I gave them a 4 Star.  I would still recommend them.,4,King,
manlyhands,FALSE,3/1/2019 2:46,Affirm was very easy to use I was able to buy a product that I normally couldn’t afford in a one time purchase and spread it over three months payments were very easy over the app.,5,I wish I found it sooner,
Kvera1989,FALSE,2/10/2019 18:13,"Pretty cool app, told me how much I can get a loan for without touching my credit score. Link your debit and/or bank card to pay off every month makes things easy. Also sends reminders when your payment is due. Love affirm",5,Easiest loan app ever,
Tania Peró,FALSE,1/3/2019 1:27,I used this app for a loan to buy appliances at Lowe’s. It worked great and it was so easy to used. Is pretty cool that I was able to use Affirm to make a purchase at one of my favorite stores. Over all I will recommend Affirm to all my family and friends.,5,Easy to use,
Step_92,FALSE,2/10/2019 7:37,The new update fixed ALOT of bug issues...I  would definitely recommend...however the one thing I  will say is customer service could better. It's almost as if they can't see what another agent has responded it was very repetitive but without solution...the chain of response could use some work.,3,Finally Got it Right,
Elizabeth12!,FALSE,12/7/2018 1:14,Hands down the easiest and most honest service I’ve come across. I’ve been using this for nearly a year and never had anything but a seamless experience. Kudos to your company for creating this and doing it right.,5,Easy and Honest,
Supreme_Vasili,FALSE,11/20/2018 21:01,Love how I’m able to pay for many of the things I want and need over time with such a small interest. Also the fact that I can pay more or the smaller fixed amount really helps.,5,Simplicity,
bugbc15,FALSE,11/5/2018 16:18,It makes it so easy to pay on time and pay it off! It’s like a credit card you can use almost anywhere! I’d never get a credit card so this makes it easy to build credit!,5,Love this app!,
Kiwi810613,FALSE,11/16/2018 18:44,The app is really easy to use and the approvals happen quickly.  I love the virtual card feature.  The only reason I’m not rating five stars is because the ability to use the pre-approval to create multiple virtual cards within the days given is very limited.,4,Great and easy to use.,
Beeg Leep,FALSE,11/4/2018 9:47,I have enjoyed using this app for a few years now. This company has really helped me and my family when we are in a pinch. Their easy financing has helped us get the services or products we need right then.,5,Great app! Wonderful company!,
honestMark,FALSE,10/5/2018 23:26,"Thanks to affirm, i will enjoy my product at little to almost no finance charge. Highly recommended! Will continue to use this app. I do not feel the whole amount. Pay lil by lil. Next thing you know it's paid off.
Don't even feel it!!",5,Awesome,
Kim Jel,FALSE,9/16/2018 12:50,"Never miss out on a great purchase with affirm! They make it so easy to get the items you want and affordable with low reasonable monthly payments! Have been using for years and love it, highly recommended using them!",5,Spending made affordable,
NinjaWasHere,FALSE,8/9/2018 19:46,The Affirm App is well designed and so easy to use. They kept the interface simple without being boring. It’s easy to navigate and use. I can view my loan balances and make payments with ease. It’s probably the best financial application I have used thus far!,5,Awesome App!,
Technical Technically,FALSE,8/3/2018 7:59,"This has to be the most intuitive user friendly app of its kind. Everything is easy to understand and navigation through the settings, menu and features is a breeze",5,Awesome,
Sstelth,FALSE,7/15/2018 18:17,Have been using this app and service for six months now absolutely outstanding don’t read any other reviews just try it there is no risk you can cancel if you’re not happy I will be a customer for life,5,Great Experience,
Kevin J. Hong,FALSE,6/22/2018 23:57,"I’ve been using affirm now for almost 3 years and it is so handy! Whenever I’m waiting for a paycheck and can’t wait to get the latest deals, I hop on affirm and see what I qualify for and make my purchase with reasonable financing rates! Would 100% recommend!",5,Love it!,
BMFDFDS,FALSE,5/26/2018 19:33,I applied for financing and i was approved. I have been making all of the scheduled payments. There is a friendly reminder sent 3 days before the payment is due. Couldn’t be any easier. I tell people to use Affirm all the time.,5,A very good company to borrow from.,
RiqueBoii,FALSE,5/17/2018 22:45,I really wanted a drone before my big first vacation out of the country but also wanted to not spend too much cash before the trip. With Affirm I was able to make it happen. Great experience. And great drone shots. 🙌🏾,5,Best way to by expensive things online,
Potatomanman,FALSE,5/24/2021 18:58,"Just bought with Affirm for the second time. Only had to add my number and just like that I was approved and checking out! 

That was very surprising. Thanks for having that as a feature!",5,Easy re-apply,
XzadiusX,FALSE,5/13/2021 19:21,"Honestly a year ago I would’ve told everyone to stay away simply because I wasn’t approved for their credit, However this past month has been awesome when using this service and it’s exactly that a service. Sincerely appreciated guys",5,A-f-f-i-r-m is AWESOME,
R. Dorado,FALSE,3/31/2021 19:48,"I’ve used Affirm to make larger purchases and pay over time. This has allowed me to pay low or no interest for items, and best of all, avoid using my credit cards with high interest!",5,Great Service,
Guitartiz,FALSE,3/10/2021 23:32,Had to make a last minute trip for a family emergency. Used affirm for my hotel room on Priceline. I paid it all after I got paid instead of payments. But the option was nice! Great service!,5,Great option,
Shann7734,FALSE,2/22/2021 6:44,"I didn’t think I would even qualify to use this service, but I did. Excellent communication and very easy to navigate! Payment plans are so reasonable! I’m extremely grateful for this service! Thank you!",5,Very easy and convenient!,
Dahawn,FALSE,2/21/2021 21:20,"I've been with the Affirm financial institution for a couple of years and Really enjoy the various product line selections that they provide under Affirms credit line.
Recommend this service.",5,Excellent service & user friendly,
Bassmaster General 1977,FALSE,2/10/2021 11:37,"Affirm loans me money with competitive interest, a clear and simple pay schedule and a great mobile app which makes managing my loans really easy. They also have a great high interest savings account. 100% happy and satisfied.",5,"Great service, value!",
Bruno A. Ramirez,FALSE,2/1/2021 21:52,I’ve been using affirm for awhile now and I haven’t had one problem with it so far. The amount of loan I qualify for are just great! enough to purchase anything I want and pay it off later.,5,Simple and easy to use!,
MissMJQ,FALSE,12/27/2020 16:19,"8 out of 10 times after you put in your passcode, it locks up. Have to shut down expensive iPhone11 for it to work properly. Once in, nothing spectacular.",5,Would be nice if it opened every time.,
Yaakiera,FALSE,12/22/2020 22:39,".....I can keep going because affirm is really helping me out this Christmas and many more to come (lol) Thank God for affirm 

BTW this is a real review because we all know there be a lot of fishy business going on 

Happy Holidays to affirm and anyone else reading",5,"Affirm is more than great, lit,awesome,amazing",
Z520L,FALSE,10/14/2020 14:29,"From things for my boat to things in my truck, affirm gives me the ability to order, receive and pay simply. Like my affirm and would recommend it highly.",5,Good all around purchasing base,
Post my money,FALSE,12/7/2020 11:57,Will never use this service again. So if you’re event is ever cancelled due to a national pandemic just know Affirm still wants there money.  Not willing to do anything to help its customers. I am still required to pay for NFL tickets that was cancelled. They may not even post this review. Stubhub and Affirm sitting on people’s money....what a rip off under a National Pandemic screw the people. Not to mention they won’t allow you to post a review if your upset about you money,1,One star,
Dougtrex,FALSE,8/1/2020 18:41,They make it so easy for me to make payments purchasing the things that I want and I still have the option of paying it off early and saving a few dollars thank you,5,Payments,
Jason in PA,FALSE,5/4/2020 1:22,I needed tires in an emergency and Affirm helped me get them!!! Thank You so much!! I have had difficulty getting help because of shaky credit and Affirm still approved me! I made sure to pay off way ahead of time to save even more!,5,Wonderful Service,
frugalz,FALSE,2/4/2020 16:29,"I’ve been using affirm for over a year now, we bought our mattress and our flight to Europe using affirm. Keep money in your pocket and make monthly payments at as low as 0% interest genius!",5,Easy to use and convenient,
vestergirl,FALSE,2/3/2020 23:10,"This handy little app makes buying over time so easy! First used it a few years ago and the payments are easy and painless. Had things paid off quickly and easily. 
Highly recommend.",5,LOVE Affirm!,
callowaykevin,FALSE,2/1/2020 1:44,I use this service quite a bit . It allows me to make a large purchase and pay it off in time . Interest rates are better than credit cards at least in my world.,5,Great service!,
1 Marine,FALSE,1/8/2020 20:58,"I’ve had several loans with Affirm and currently have a few loans with Affirm and found them to be pleasant and easy to do business with. I’ve found their website to be user friendly and easy to navigate. Thank you, Dean",5,Affirm Review,
Big Mad05,FALSE,11/5/2019 22:09,I bought something online and did not receive it Affirm is still making pay for it this will be the last one I use them,5,No purchase protection,
Honeybone91,FALSE,12/27/2019 16:26,"This is outdated they tried to tell me I have this certain credit score when that’s not a fact, they said my credit score is 200 points lower than it actually is so they can’t provide me service, then provided further details which I can accept but don’t lie to me about my score. 

It’s ok I’ll stick with the app After Pay, they go based off of income and how much you make, which is more common sense to me. This app is worried about the wrong things.",1,Fico,
DewarsNY,FALSE,11/5/2019 19:35,App makes it really easy to pay and keep an eye on the account. Affirm is fantastic quick response to credit lines without interest. Hope to continue being their customer.,5,Soooo Easy,
NYC Foodie Influencer,FALSE,10/3/2019 17:01,"I am thrilled to have discovered Affirm on one of my favorite e-commerce sites. I could have paid some ridiculous interest rate on my CC and dragged out the payments, but instead, I got a fantastic rate here and will have it paid off so much sooner. Yay!",5,What an excellent service!,
marinamrose,FALSE,9/4/2019 15:10,My first time using this app and company was a breeze. Will be using them again. Set up is so quick and easy. Great payment options as well. Love this app. It’s a must try and has an average of 5 stars for a reason!,5,Great and easy to use,
Pkbully18,FALSE,7/16/2019 15:00,"Ever since the app was upgrade/changed, it doesn’t work the same. Available to use never shows but when I go to specific sites that use affirm it approves the purchase.",5,New isn’t better,
parentleader,FALSE,5/18/2019 14:02,"Affirm is so far the best! I love to be able to shop with ease in store and online, and if I encounter any problems I will call customer service and the patience, respect along with their knowledge things went smooth! I give affirm 5 stars and a big thumbs up👍🏾",5,I love Affirm,
Vertigosgrl,FALSE,5/3/2019 7:31,"This is the best app invented. Easy to get a loan. Easy to put on autopay. Terms of each loan are very clearly described. You usually have a choice of three plans, small vs large monthly payments.
I’ve used this to get emergency plane tickets and a new set of wheels for my truck.

Keep it up Affirm!",5,AMAZING!,
WorkitJ,FALSE,4/18/2019 22:11,"Used Affirm for a class I was taking at Udacity and it really came in handy because I didn’t have the funds upfront. Since then, they have added more companies that have partnered with Affirm and will definitely consider using for those purposes.",5,Great Idea Great App,
Edy Stela,FALSE,3/25/2019 22:27,Easy way for shipping I will recommended to other people never have problem with very easy to use if you need to cancel order easy to get money back . Thank you,5,5 star 100% safe and fast shopping,
rickdaddy100,FALSE,3/20/2019 5:46,Been using this service for a while and it’ll let you purchase those items you’ve always wanted to buy witch monthly payments you’ll barely even notice!,5,Easiest online finance in the game,
CRoyer91,FALSE,2/6/2019 10:56,"If you’re looking to buy anything expensive, a lot of online websites accept Affirm and you can choose up to a year to pay it off! It’s been amazing for me! I cannot recommend this app high enough. I’d give it a 6/5 if I could!",5,Amazing!!,
Jtor1982,FALSE,12/29/2018 2:38,Lending company offers competitive rates with any other cc without the hassle of credit checks. Also upfront interest amounts are shown upon receiving loan with added benefit of early pay off and forgiveness of future interest. Huge plus,5,Great app,
tishjuneau,FALSE,11/18/2018 2:47,"Thank you for the option of paying the full amount of the product I chose or by splitting payments into 3 payments.  Very helpful, especially since I had no clue whether the product would help me or not.",5,Thanks,
chpstick2u,FALSE,10/31/2018 6:32,"This is a safe and responsible way to spend money. It doesn’t affect your credit, you know your payments up front and there a ton of retailers that offer 0% financing! Great option for the holidays!",5,Better Than a Credit Card,
wlf922,FALSE,10/24/2018 1:46,"Affirm has been easy to navigate and the customer service,  or more automated response to a returned purchase went smoothly. After ordering the correct product I needed affirm approved me for the next loan.  Great when you're in a pinch.",5,Positive experience,
DSU ALUM,FALSE,10/10/2018 16:56,"Answer a few questions, get a approved!!! I never knew so many places accepted Affirm and they have made shopping so much easier. All terms and cost are fully disclosed so there aren’t any surprises!! Will use again and again!!",5,Amazing and Easy,
topazjr,FALSE,10/2/2018 12:57,"First. Affirm is awesome, it helped me purchase an awesome family Christmas trip with easy installment options. 

Second.  It lets you know if and how much your approved for instant loans. 

Thank you for being there when needed and NOT raking people over the coals with high interest rates.",5,Great,
Thevein23,FALSE,9/23/2018 5:33,All I can say is that I love the ability to utilize same day credit with the virtual credit card; evens the playing field and really puts traditional credit card companies on notice as this represents a financial product of the future. Well done Affirm,5,Wow,
Bubbles7475,FALSE,9/13/2018 2:52,"I have had to fly him several times to my father who just recently died of pancreatic cancer. Without affirm I would not have been there to see him before he was cremated. I was also able to have one last visit. 

Thank you Affirm",5,Amazing,
Dom Da Don,FALSE,9/12/2018 16:04,"I started using affirm because I didn’t have any credit. This app is really easy to navigate and very fast when it comes to checking how much of a loan I qualify for.

From vacation trips to tools/accessories, affirm comes in handy for all wants and necessities.",5,Great App,
3catmom,FALSE,9/1/2018 15:50,You want something luxurious now and don’t have the cash? No problem. I bought a cute and unique Jimmy Choo bag that I would have never been able to get if I had waited til payday. I’m so happy with my purchase! I’ll be using them again for my next bag!,5,Great app!,
Chester ssn683,FALSE,8/24/2018 14:18,I have been using Affirm for a while now and they are a legitimate lending company and the app makes paying and checking your balance extremely easy. I look at them like the uncle you never had to borrow money from.,5,Affirm is good to go!,
agudlav,FALSE,7/25/2018 22:30,Been shopping with affirm for a while and they have been extremely responsive and reasonable and gave me the best purchasing power when I needed it the most . Will use it product for a long time,5,Amazing service,
Jordi Lange,FALSE,7/19/2018 13:13,Awesome if you don’t quite all all the money you need to purchase things when you want them or need them. I order car parts with it and the payment options are super helpful. Super easy to use and user friendly. Love the app!,5,Dope!,
St!tchy,FALSE,7/17/2018 14:58,"The app is super easy to use, simple and makes payments very easy. I love the company. Yes, it’s never ideal to use loans if you can avoid it but life happens and it’s good to know this is there. It allows you to pay off loans early with reduced interest which is a huge plus.",5,Great App - Great company!,
fredimarie,FALSE,6/21/2018 20:42,"Affirm is honest, up front, has clear terms with multiple payment options, and you borrow only the amount to you need. This is so much better than my traditional credit cards.",5,Purchases made easy,
Stationarysteel,FALSE,6/10/2018 1:58,"When it comes to things you want and couldn’t afford outright this company hooks you up. They have detailed payment plans and outline everything down to the penny! I bought a new headset, keyboard and mouse from Razer using affirm! 100% recommendation from me!",5,Fantastic!,
RNJR84,FALSE,5/21/2018 12:58,Better than a credit card for those must have purchases when you don’t want to spend your cash. After a couple loans I got pretty good interest rate. Better than my personal bank,5,Great loan option,
mamaella12,FALSE,5/19/2018 16:16,So far I love it. It’s very easy to do. Their customer service is very good. You send an email and someone will actually respond to the email. I’ve recommended lots of friends. Getting a loan from them is very easy and their interest is very reasonable.,5,Easy to use,
Giibby1337,FALSE,9/23/2017 0:41,The reason I’m asking for this support is because I currently USE my affirms app in order to make my monthly payments soo it’s a LOT more convenient for me personally. And if it loses its compatibility to the new IOS 11 then it’ll be sort of a bummer.,5,I believe this app should support IOS11,
Regular Moderator,FALSE,5/4/2018 17:41,It’s easy to use and easy to make the payments. I only gave 4 stars cause I wish they sent you a hard card to use cause a lot of people don’t know about affirm so when you show them a credit card number on your phone it turns into a big explanation.,4,Easy,
rustygirl52,FALSE,4/23/2021 7:17,I love affirm.I used Klarna but the payment every week did not fit my my budget when I only get paid every other week but Affirm payments are once a month and you can pay off anytime,5,Shopping therapy,
On Cape Time,FALSE,4/24/2021 14:14,"“Oh yeah, bad credit, no credit accepted....” LIARS! Any one with bad or not so stellar credit, ditch Affirm, GO STRAIGHT to “AfterPay”. They are SO much better, and have the major retailers available that you actually want to shop from. Affirm said “Nope”, but “AfterPay” said sure, here’s $2,000 spending limit. Another is PrePay and Flexshopper, although high interest rates but over a 12 month period which makes it feasible for most, especially during these hard times d/t Covid.",1,I would rather give it “0” stars,
1kfrankl,FALSE,4/17/2021 12:30,There are several payment plan companies but Affirm is one of the Greatest. It’s the only one I know of that offers monthly payments rather than bi-weekly. There is a GREAT variety of companies for almost every need you have. I LOVE this option,5,Great Company,
LadeeLisa526,FALSE,3/31/2021 20:54,It had been a great experience making purchases through Affirm. It had afforded me to buy things I would have to save and wait to get but sometimes the moment or sale is missed!!!😍,5,I enjoy affirm,
Soulcrux,FALSE,4/11/2021 3:55,"My debit card was stolen so I was waiting for a new one, and a payment was due. They kept emailing me every day saying I was late on a payment. I tried paying via ACH bank account but their system says there is an error. I message their customer support discussing the issue and they don’t read the whole message, just copy paste solutions for what to do to “change my payment method” or “add a bank account”.",1,Horrible payment system and customer support,
MONRVICTX,FALSE,2/3/2021 16:52,I like the control and ease of purchasing products and this allows the manage of budget easier knowing when payments are exactly due on the date established.,5,Ease of Purchasing,
Susiecue518,FALSE,1/30/2021 17:14,Great way to increase your credit score while enjoying the use of easy funding for travel and shopping needs. I’ve referred this app and plan to use it over and over again. Very convenient.,5,Funding Source,
my3kelly,FALSE,12/11/2020 13:37,It’s better then using my credit cards. The app is easy to manage and they send me reminders . I use it for some of my bigger items and it’s less in interest . It’s so easy ! I love it !,5,Affirm is wonderful and easy to use ! Saves me money !,
whysoseryos,FALSE,10/31/2020 2:30,"New “mandatory” update crashes I can’t even open the app, it just crashes and I have bills coming up and I will NOT update my phone just to get the app back, so y’all got Real Bug Fixing to do.",5,New update took a step back..,
creeeeeeeeeeeerr,FALSE,9/17/2020 18:31,"I really love the app it’s easy to use and helps when money is tight. I have used affirm a few times with no problems. I would recommend this company 100%, you won’t be disappointed.",5,Thank you,
Doc Miskanis,FALSE,8/24/2020 18:33,"Some apps you need a six weeks class at a nearby Community College!!
This app is so easy to use. Easy to see how much you paid and when, and what you owe. 
Making an additional payment is easy too.",5,VERY easy to use!,
places 60,FALSE,8/8/2020 18:27,"I like the app and the affirm payment system is really makes it easy to make a scheduled payment or additional payments. Also easy to shop with at so many sites! 
Very happy with this service",5,Easy pay,
Beautifulyvonne,FALSE,6/1/2020 4:10,"Shopping is so easy with the Affirm App. I can see what what I’ve been approved for , my payment schedule, amount and balance. Also love being able to shop at all the popular stores. Would recommend this app",5,Great App,
cuv1212,FALSE,7/5/2020 17:32,"I used affirm to purchase plane tickets pre COVID. Despite me saying repeatedly that due to preparing health conditions my family wouldn’t be traveling, they did NOT do anything to have their vendor, alternative airlines file for my refund. I did not take this trip, I received no credit, I received no refund and affirm threatens that I continue to pay this bill each month or they will ruin my credit with a late payment. I will never use them again.",1,Never again,
JQNLIGHTING.COM,FALSE,6/5/2020 14:28,"After using Affirm for quite some time I noticed some adverse effects on my credit report. My report stated that I had too many credit inquiries and loans opened in a short period of time. 

Come to find, Affirm doesn’t check your credit report when telling you how much you have available to spend, but they do check when you actually go to spend and make purchases.

After that, your “loan” from Affirm is reported to the credit report agencies and made to appear as you have maxed out your loan limits.

I’m not a credit expert, but seeing all that in my credit report and having it not benefit my credit score or even hurting my score is big no. Needless to say, I’ll be deleting Affirm from my apps.",1,Affirm kills your credit,
Savannahbmolina,FALSE,3/12/2020 2:40,I actually really enjoy the app. It made my credit line feel very transparent and easy to navigate paying it off early. And it automatically calculated my Interest savings as I made additional payments.,5,Easy to use. Simple.,
chrgrgrl62,FALSE,5/30/2020 14:46,This app does not show account history or it is too difficult to locate. I have been waiting for my account to be credited for an item I didn’t received and I eventually cancelled the order. And now you still want me to continue to pay and when it’s paid in full then I’ll wait even longer to get this money refunded back to me. It does not make sense. Oh did I mentioned there no contacts is feature.,1,Account History,
pharr1,FALSE,5/26/2020 20:21,"Affirm does not actually work. We bought a fridge through affirm (or tried). Everything went through no problem at first and then the day before it was to be delivered, Affirm declined the transaction with no notice and the Fridge was not delivered on time. I have fairly perfect credit and was just interested in trying it out (plus we had just purchased a house and wanted to hold onto cash a bit) and we got completely burned.",1,Do not use,
Stead26,FALSE,2/8/2020 1:40,I’ve been a customer for a while now and I think this app is awesome! I’ve been able too book several vacations and have been able too pay them before I travel!,5,Wonderful company,
Duhveed73,FALSE,2/5/2020 3:39,"Have decent/good credit? Try this out if you’re looking monthly payments instead of paying 100% upfront. Easy to understand, and you have to option to autopay or pay yourself.",5,Simple. Easy. Addictive.,
SanaiTM,FALSE,1/31/2020 22:40,For a random mini vacation this was convenient to use. Not having to worry about paying in full and working it into finance later. Would use again.,5,Most convenient thing ever,
Mattx813,FALSE,1/1/2020 0:19,I have used many times now the first time they offered me 2 or 3 hundred dollars I paid thos than gave me 1500 dollars it’s very helpful to make big purchases but pay small amounts over time. I will continue to use affirm thank you affirm,5,Awesome,
dantheta2man,FALSE,12/17/2019 15:34,I like this app for the simple fact that they tell you exactly what they will charge you in interest before you agree to take out the loan. They make it super simple and easy to use and it’s been a pleasure doing business with affirm.,5,NO BE APP,
J Otego,FALSE,12/6/2019 19:58,"Affirm is an awesome way to purchase items over time. It’s quick, easy, and before you know it what u financed is paid off. I’ve used Affirm now for @ 8 purchases. You can pay the loan off early too!  I highly recommend.",5,Awesome,
Ichabod Wu,FALSE,11/30/2019 3:00,"App will not open. Says there is a problem with my internet. When shopping online where Affirm is offered, says there is a problem completing order. Does not work. I am deleting the app.",5,Does not work,
quatta18,FALSE,11/7/2019 19:35,I love how easy it is to use this. I also like how my payments are pre split up and I know how much to budget for each month. It’s so organized and easy to use! I love using this more than my actual credit card!!,5,Amazing!!,
Krkenenrnrjementrnrnkrekw,FALSE,10/18/2019 22:54,Had to use this app for a gift I got and I was able to pay it off quickly! Barely any interest charged! Easy to apply and it allows you to choose what kind of monthly payments you’d like!,5,Love this app,
toy718,FALSE,10/18/2019 1:58,I never trust app but I can say that I’ve been buying with affirm for several months. No problem always paid on time with the app which make it very easy and convenient. I’m continue to use them. Thank you.,5,Love,
Hydra2019,FALSE,7/29/2019 11:10,"I really love this Online Bank,they always makes it easy to buy and pay anyway you wants it,it’s going to be my favorite way to do any transactions from now on,Thanks so much for the Awesome job and service you are providing.
Karim",5,Awesome  Bank,
brez53,FALSE,10/8/2019 17:36,"Had no problem with affirm made all payments on time paid off several purchases early, tried to use it before Christmas and was declined ???? No more affirm for me. 

Continual decline , I always pay on time you’ve given as much as 2 k in credit here we go again declining me, when my purchase with joma shop is paid I’m done with affirm you don’t want my business that’s fine.",2,Disappointed,
TitoPiris,FALSE,7/6/2019 12:59,"When you don’t want to pay in cash or you can’t this is the best option. Easy approval,soft credit inquiries but your payments still reflects in the 3 mayor credit agencies. Fair finance charges. A Win win situation",5,"Easy money,easy pay",
Mta49,FALSE,7/21/2019 23:07,"About time there are many who have purchase 
Power and other obligations, having an opportunity to pay over time and not be changed interest is unheard of. Bravo thanks for being the first. Other retail businesses should change there policies ang recognize 
A lost opportunity.",4,Mr Gonzalez,
Flimner,FALSE,7/5/2019 22:58,"I enjoy the ability this app offers and the conveneience. However, it never retains my personal settings so I can simply use my touch mode to log in. It always resets after I quit out. Painful. Crappy programming.",5,Not quite there,
>>:((((((((((((((((((((((((((,FALSE,6/23/2019 19:07,"Really easy to use, and makes it way simpler to pay my bill. Even allows you to see how much you may prequalify for if you’re looking to get another loan through Affirm. I love that there is no interest on the loan as well.",5,Simple,
g0li0nz,FALSE,7/5/2019 2:36,"I applied for an affirm loan about 6 months ago and was denied due to my credit score (understandably). However now my credit is 100 points higher, and significantly higher than my fiancées who has no problem getting a loan. In my denial email it’s always the same credit report they pulled months ago, not an updated one. If I do have to wait to reapply it’d be nice if they let me know how long. I’ll be putting it on a credit card instead.",1,Can’t get approved,
amissjoy,FALSE,5/17/2019 9:14,I appreciate this company and it’s huge variety of merchants & payment plan options there able offer as a consumer. From start to finish the process with dealing with company is painless & simple . Will continue to shop with affirm !,5,No Complaints,
chinaa_man,FALSE,2/18/2019 2:54,Love the convenience at your fingertips when wanting to make a larger purchase and money is tight or budgeted. Would recommended to anyone on the fence about buying something but doesn’t have cash in hand.,5,10-Oct,
DODGEMAN0,FALSE,2/21/2019 8:42,I have not had much of an account to give much of a rating. But then again the only borrow what you can repay. A person may be impressed😏with a new thousand dollar iMac but remember. That person may get to be able to use your iMac when needed when you still have to pay the bill💵 not an opinion just a statement,3,U.S. worker,
Audiman11111,FALSE,2/10/2019 2:11,"It was unreal how easy they made things right down to paying your bill along with friendly reminders and easy pay options
Thanks for the app
William",5,Making things smooth,
Ayla Wolf,FALSE,2/7/2019 16:49,"Seriously one of the best creditors out there. Have bought several big ticket items with Affirm, they make it so easy to pay something down because you know exactly what your payments look like.",5,Affirm Rocks,
edwindiaz5,FALSE,1/26/2019 1:39,"I gives you a fast, easy, and simple method to pay for items. The app is pretty straightforward and easy to comprehend. I even used Affirm services to take my family to the Wisconsin Dells. I highly recommend it.",5,Easy and simple to use,
Rudolf man,FALSE,1/8/2019 23:11,"I am on my third loan now with affirm. I have paid each of them off on a monthly basis, and used the autopay every time and it’s so easy! My approval was quick and efficient. No stress or paperwork. I’ll use Affirm whenever it is necessary and I’m able to do so.",5,I love Affirm!,
BLACK KIDS LOVER ,FALSE,12/20/2018 19:43,It is one of the best credit and payment plan apps I have experienced to date. I will definitely continue to use it. I use it almost with every Paycheck across multiple websites to afford the things I want.,5,Great Credit App,
a.blanc0,FALSE,12/16/2018 9:39,I love affirm and it’s convenience. It keeps you updated about loans you have and if you need money on the fly. It also allows you pay ahead of time when ever. Or just monthly. A must application to have in my phone,5,A must have app,
bean!eann,FALSE,12/12/2018 17:02,"I love this app. I always use to go online to pay my bill and now everything is all in the app. Easy to browse for payments and venders. It also shows you what you are pre approved with as well, which helps with spending",5,Great app,
AAranch,FALSE,11/17/2018 16:21,"This company has made their app easy, straightforward and friendly. But their response and support is fast when you contact them. I wish credit card companies could be as good.
Thanks!",5,Simple to use,
Fedgez,FALSE,11/30/2018 4:00,I think this is great for a quick loan if your going to pay it off fast as i have to save interest. But i wouldn’t use this for everyday purchases. Only downside is they pull from experian which is the very least common pulled report which gives it 3 stars. That right there tells you it’s not the best place to get a loan.,3,Very convenient,
Marvalent,FALSE,11/1/2018 23:57,Affirm has made it possible. Since we live in a world of paychecks to paycheck living. Sometimes taking a small vacation is hard on the pocket. Affirm has made it happen. With their simple payment plans. My much needed vacation was fabulous♥️,5,My Favorite,
AlaskaRealtor,FALSE,10/13/2018 15:41,"App gets straight to the point without all the runaround steps or distracting pop-ups and redirects. Quick and easy. I am able to make payments in a matter of seconds, and can toggle between payment sources.",5,Easy to use,
Christmas Guy,FALSE,10/4/2018 21:20,"I have had several loans for trips, new mattress, and other random things. Easy payment plans. Honestly not a single thing bad about this! And if you pay off early you save the remaining interest!!!! 5 Gold stars!!!",5,Simple and easy,
my cat barks,FALSE,8/26/2018 15:43,"This is the quickest and easiest company to order all your dress up needs for your toys!
The best part... 30 second response time and everything you order arrives on time and no hassles!! 
Look forward to my next purchases!!",5,Review,
thewperry1,FALSE,8/11/2018 15:38,"I found Affirm through a furniture site that offered special financing. I've since used Affirm multiple times for relatively large purchases. The app makes it easy to apply for, use, and repay your loan.",5,Big fan of the service and app!,
Queenfreedom69,FALSE,7/13/2018 17:22,"Thank You Affirm for granting my loan to help in repairs for my House from Hurricane Harvey!! 
Simply easy and no guess work to apply!!  Thank you for having so many stores available to choose from!!!  I recommend you to everyone I know!!  You are a lifesaver for me!!! Phenomenally Awesome!!",5,Phenomenally Awesome,
This Guyyy!,FALSE,6/13/2018 20:35,Using Affirm has allowed me to purchase products that I normally wouldn’t buy. I usually pay online instead of using the app but when I do everything goes smoothly. The app is great and easy to use.,5,Great service and a great app,
Straydawg 77,FALSE,5/11/2018 20:57,I’m enjoying the Affirm App as they’ve been very supportive and easy to work with. I’ve used them to purchase items on several occasions and it’s been a painless process each time. I highly recommend Affirm to all!!,5,Simple and Informative,
Sponkey/ATL,FALSE,1/25/2018 13:13,I have used Affirm for going in two years....worry free!  I know ahead how a purchase will fit into my budget. Exactly how you're given a breakdown of the payments is exactly how the monthly payments are deducted from the bank account of your choice. No hidden demons!!!! Affirm is awesome!!!!,5,Affirm = Awesome!!!!,
GFD80,FALSE,2/20/2021 20:46,"Easy to get, helped out with Christmas for the family. Made a few payments then was able to pay off full amount.. Would use again.",5,Easy!!!,
realitychick57,FALSE,4/23/2021 22:10,"When I set up my purchase, I set up auto pay but get reminders to pay each month-so I do which doesn’t feel like autopay to me.
Also I returned part of my order in the first month and never got clear documentation of my return showing the monthly payment would be less. Overall, I would rather have just paid the total cost upfront and not gone through the monthly hassle.",1,What happened to my auto pay?,
Whitedachshund,FALSE,1/4/2021 15:43,Especially if you’re working on a budget and still want to buy nice things. So much better than a credit card and the 0% interest options are the best!,5,Wonderful!,
samolito22,FALSE,1/26/2021 7:26,"It was very nice, when I started. I bought tv, smart watch, and I phone. on the second year, it seems like to hard to get a loan, even if you have paid all your debt. all the merchants notified you to ask them after a month and when you do they add one more month... and more and more. Finally I decided to close my account and that’s what I did.",2,It was good for about a year.,"{'id': 20721413, 'body': 'Hi, we are always looking to improve the experience for our customers, and really appreciate the feedback. If there is anything specific we can look into, please contact us at help@affirm.com.', 'modified': '2021-01-29T02:56:02Z'}"
chicagoshopper4life,FALSE,8/22/2020 17:50,"Love that Affirm allows me to pay over time and never ever charge late fees at so many brands I love and discover like West Elm, Target, adidas, Room & Board, Peloton and thousands more! 
They also have savings now with one of the highest APY!",5,"Easy to use, honest way to pay at so many companies!",
98766564321,FALSE,8/15/2020 1:59,I like this loan app but when I had a problem with something I bought threw them. So far I am hung with not getting what I am paying for. And they don’t want to help me out they just tell me to contact the place I bought it to get my refund we’ll place was a scam and will not respond to me so affirm told me they couldn’t do anything for me.,3,Not much help,
NycTechno,FALSE,8/15/2020 19:48,"I’ve used affirm almost 30 times and repaid every loan on time and many early. Now they are denying me any future loan even though all my loans are paid. I liked paying over time but I’m making much more money now so I don’t need to borrow, but it’s a shame when you do so much business with someone and then they just cut you off.. don’t you realize every loan you’re making money off me?? Whatever I’m happy to not be borrowing anymore✌️✌️",1,Terrible company,
A&J Miranda,FALSE,7/25/2020 20:01,"Affirm is a really easy app to use and it makes it super simple to make your payment. It’s awesome that they offer 0% interest on some items and they don’t charge late fees!

We will definitely use affirm again in the future.",5,Affirm,
Mrredswagg,FALSE,3/12/2020 14:01,"Need it a new phone I didn't know what to do mint mobile offer the affirm payment option, they're very clear about their services love this app is a lifesaver never had any issue. This app just works",5,This app is amazing,
Thatsorana,FALSE,3/10/2020 3:17,I've been a repeat customer because I like your buying model. But you refuse my loan so I'm going to pay you off and go back to PayPal and my credit cards. Thanks for the time we had!,5,They now use the credit bureaus,
kelvin1965,FALSE,3/7/2020 5:55,Thank you for the loun it really came in handy to get my truck running with out your help I still be walking thank you very much. The pamints was at a reasonable every month. I like to get a funt bumper in a mouth and again thanks,5,Got my truck running,
Pook448,FALSE,3/4/2020 23:21,Very user friendly and has well designed  interface. Easy to check your payments and account. Would definitely recommend to a friend.,5,Easy to use!,
bgfhktd,FALSE,3/6/2020 18:43,I’m done using this app. No credit company has any business telling me where I can spend my money. Pushing an anti gun agenda on your customers is an over reach. Because of that over reach I will no longer use Affirm. It’s a shame. Because aside from that you guys have been great.,4,Service,
petie',FALSE,2/22/2020 14:14,I have purchased about 9 LV items through Affirm and I have had the most rewarding experience. Every purchase was Excellent all items were authentic and were in superior shape I give them a 10 star actually.,5,Honesty,
Big Johnson 1991,FALSE,2/3/2020 13:27,There isn’t a better app / credit app out there.  Haven’t found a store that it isn’t compatible with.  Thanks Affirm for making my online shopping experience quick and seamless!!,5,Best online purchase app,
RANDITO,FALSE,2/2/2020 0:19,"Very easy app love it first time using a loan from affirm. I buy a  mavic 2 zoom drone got  approved 2,100 no hurt my credit score love it. buy a drone to star my own business. when I finished paying my loan will take another to buy another one.",5,affirm,
Pand8865:467543;($,FALSE,1/23/2020 10:25,This app is a must have for paying your monthly payment. It also had every online store that accepts Affirm. I am on my 3rd loan with Affirm so that alone should show this is a great company. You can pay off early on this app with no penalties,5,Very easy app,
Bill Belt,FALSE,1/10/2020 3:14,Affordable payments and excellent services. I have paid off 5 different items purchased and have never had the 1st problem. Thanks for making my purchases affordable.,5,Awesome to do business with.,
daltond52,FALSE,12/20/2019 20:48,"Definitely think affirm should get the word out to more people about this app. So easy, literally just scanned a barcode at Walmart and making monthly payments on a new TV. Will certainly be using this more for larger purchases!",5,Great App!,
24$hjkfc55,FALSE,12/12/2019 21:31,Affirm is truly a game changer. I wanted to test it out and see how it did and I was able to easily purchase my AirPods from the apple store. It’s very user friendly and convenient. I’m super excited to keep doing business with this amazing app!!,5,Amazing,
game boyee88,FALSE,12/5/2019 4:50,I just wanted to write a quick review! This App has helped me get the things I wanted that I couldn’t necessarily afford if I had to purchase everything at one time! The real time approval is second to none. I really appreciate Affirm! Thanks guys!,5,Affirm the best!,
Evwatts,FALSE,11/16/2019 16:08,Affirm has allowed me to make large purchases into small monthly payments and positive marks on my credit. I am really grateful. I have a series of credit oops and they were the only one to give me credit without high interest.,5,Grateful,
adboy68,FALSE,11/2/2019 17:33,"Easier than playing Monopoly. Simple interface, quick link to banking information, fingerprint sign-in security, and instant payment submissions. Access to multiple retailers — A+ experience.",5,"Pass ‘GO,’ pay $200",
STARMAN011,FALSE,11/9/2019 23:44,App gives no way to contact company. I tried to book a flight and can’t tell if it happened or not...and I can’t find an email address to contact Affirm. Some of the site advertised don’t have the “pay with affirm” as stated. This app really needs a lot of help. I really like the idea of not using traditional credit and having a hard end to payments.,2,App give no way to contact company,
PSav2020,FALSE,10/25/2019 0:10,"Affirm is an excellent resource for borrowing money. Light credit check and payments that can be divided from 3, 6, and 12 months. Interest rate is  high, but that can be avoided by just paying a little more monthly. Highly reccommend.",5,Easy and fast,
Efbld2f,FALSE,10/18/2019 13:25,"I took out a loan for something I wanted in maybe 5 minutes. The interest is low. Paying on that loan took a few clicks. 

Not sure what else to say. Fast, easy, now back to my coffee.",5,Pretty easy to use,
ClAsSIC Rock junkie 91,FALSE,10/11/2019 20:07,I love this app and Affirm is a great service! I like that I can purchase products for a reasonable loan and the repayment is easy and stress free! I also really like the text reminders and how I can even make a quick payment via text!,5,Easy and affordable!,
D 2002,FALSE,9/14/2019 15:13,I was able too get what I want & make small monthly payments each month never even about forget to make a payment cause it came out automatically I really like that. Thank Affrim,5,This was a very cool way too buy & pay Lata! 👍🏽,
Gear S2 Classic,FALSE,4/7/2019 18:53,On my XS Max the offer section is broken .... or at least when tapping on various offers nothing happens. Update is not user friendly older interface was clean and concise!,5,Offers section broken,
Grizzly3344,FALSE,7/14/2019 2:33,My wife and I have had a hard time adjusting to the mattress! Shipping and set up was very simple. Just the adjustment from our previous mattress to the afirm has been tough! I have adjusted some what but it took a while for my back to adjust. I have had to start physical therapy and take steroid shots! my wife’s hips and back have been killing her. We have chocked it up to adjusting to the different type of mattress. In the long run I have adjusted but my wife has not yet done so!!,1,Adjusting,
beastmode95926,FALSE,2/16/2019 3:11,"I have use this company for the past  14 months. I’ve made a few purchases through Affirm like my Casper mattress. I love it!   

As long as you pay off your loans  on-time, they will continue to work with you. 

Thank you Affirm!!",5,Great buying power.,
mzmorticia,FALSE,12/24/2018 5:08,"My loan has come to an end and in the time I have used the app, I have not once had a problem. I look forward to future business with them. User friendly.",5,Highly Recommend,
1991Jordan,FALSE,12/22/2018 3:01,"I used affirm a few times now. No problems with anything payment alerts, get to pick how long you want to pay for as well. Fast and easy approval.",5,Great option to make big purchases.,
JackyGTR,FALSE,10/12/2018 11:32,Great app and great operation they have going on here. Haven’t had a problem with the app or the company. There very helpful if ur in a jam. I don’t get paid like normal people. I have to wait acouple months on my pay check. So taking a loan for a small interest charge is great.,5,Great app,
brotherkehn,FALSE,9/16/2018 8:20,Most offers from 0% Apr and also get pre-approved or qualified when opening the app after a few weeks of not looking. I'm still paying off one loan after I got myself a bed and it has helped me budget.,5,0% Apr!? This is a Budget helper!,
Robsol22,FALSE,9/10/2018 18:14,Much better than a regular credit card. Affirm allows you to set the amount you pay per month along with the duration. No more minimums designed to keep you laying off your debt for years. Try affirm today!,5,Love this app,
pb092493,FALSE,8/27/2018 20:23,When things become unaffordable Affirm allows you stress-free financing. If you choose to pay the loan off faster than scheduled you don’t have to pay interest. It makes shopping for high priced items a lot easier.,5,Awesome!,
Waden18,FALSE,8/6/2018 15:01,"This is. A fantastic and simple way to get a loan and pay it off quickly 

Everything is easy to read and understand what you are getting in to and it breaks down payments for you 

100% recommendation",5,Great!,
Gas and all,FALSE,7/13/2018 0:13,The ease of buying now pay later is done through this app. A couple clicks and it's yours. The convenience of choosing your payment plans makes it even better.,5,Buy now pay later,
life4ana,FALSE,7/13/2018 2:24,I would of given it 5 stars but the affirm app changed u was able to pick a store then ask for an amount then see if u pre qualified... now it just has a pre qualified button u hit to get denied... other then that this company is great for getting loans for basically anything.. the Monthly payment process is quick and easy,3,Go back,
Troydarryel,FALSE,6/25/2018 21:49,"I purchase a iPhone 6 Plus haven’t had any issues with it, for a year now with no problems at all” came to me well package in like new condition very happy with Affirm had to get my son one. Thanks again Affirm",5,Great sit to build your Credit!,
Sword1959,FALSE,6/17/2018 18:52,"I've used this app to make a couple very nice purchases and it's fast, user friendly and easy to use! Whether making a purchase, or making a payment, I've found this app to work super fast, accurately and seamlessly.",5,Great App! Super Service!!,
Lester Jenkins ,FALSE,5/23/2018 13:55,"I love Affirm! 
It’s quick easy and allows you to make purchases and pay over time. 
I’ve only used it when shopping at cole Hamm but now I see you can use it almost anywhere! Definitely a game changer!",5,Amazing Service,
Willscales,FALSE,5/21/2018 22:01,This app along with the service is perfect. Doesn’t allow you to go overboard but does allow someone new to credit understand basic loans. Also allows larger purchases for someone who has an hourly job,5,Perfect app,
Jizzam93,FALSE,5/16/2018 12:30,"I use this quite often. Very easy to use and is very flexible to pay back. I normally pay it back very quickly, but knowing I can spread out payments is awesome. Great customer service too. Highly recommend.",5,Great app and service,
Anonymous- 5 star review!,FALSE,10/20/2017 4:40,Easy to use app. Fast approval times. Great payment plans. Text reminders for payments. Easy to log in- you get a password texted to you or use touchID. Great use of technology. Excellent company! Relieved to be approved! Thanks for making my purchase possible!,5,Amazing company and app,
bloop6666,FALSE,9/14/2017 18:20,I hate calling to make a payment so this app is life saving for me. It's easy quick and efficient. You can see your past payment and dates along with how much you've paid off and how much is left owing. Which is nice to know.,5,LOOK!,
Royalblooded__,FALSE,9/7/2017 22:56,"So far I've had a very fast response for approval and smooth response on the app navigating thru it , the best thing about the app is that it offers virtual cards for any store you'll like to buy from, that's an automatic 5 stars !!!!",5,Very smooth and quick,
duckie2045,FALSE,4/21/2021 19:40,This is one of the best apps for helping get a person’s credit built up after a divorce or a bankruptcy.  I think it’s the best one out there today !!!!👍 Thanks Again so much for helping me clean up the mess I have made of credit!,5,Scott,
Murderlina Farruggio,FALSE,3/24/2021 7:44,The only reason I was able to own my first pair of Louboutins. The reason I will own more too :D it’s quick and convenient. Haven’t notice any problems yet. Update: March 24th 2021– still no issues at all. Easier than Klarna.,5,Lovvvve,
Jasmine mrm,FALSE,4/8/2021 22:30,"I have not been able to shop because my virtual card number is not available on the app. I tried shopping at merchants sites. Most of them Thad pop ups saying I cannot use affirm at this time and to try again in 90 days. I cannot find any customer service chats, emails via r a phone number. The help feature does not help my situation at all. I cannot find my account and virtual card numbers anywhere",1,Affirm app low rating,
AkuAku,FALSE,3/9/2021 18:55,Affirm has allowed me to buy something (sofa) I otherwise could not have afforded. I am reminded by text of the upcoming payment. It is an easy way for a responsible person to make the occasional necessary purchase.,5,Positive experience,
Onedaysoon1,FALSE,3/22/2021 17:21,Used this for EBay. Payment doesn’t show for at least 3-4 days makes the seller who you purchased from think you’re trying to scam them. Shows that your paid but doesn’t show in their account. Only a digital customer service available no live person to help you. Even my review has problems with the app!,2,Customer Service non existent,
kimde131313,FALSE,2/8/2021 20:39,"It was the easiest, stress-free short application and then purchase. This wasn’t just a purchase. It is mandatory so that I can keep upright and have ability to walk. I cried when I received the equipment! Prayer answered.",5,I broke my back and desperately needed some equipment to rehab,
Abbnrml,FALSE,1/22/2021 14:46,Better than a credit card... you know the payment every month and it’s consistent with an end date... I will continue using them to outfit my Jeep.,5,Great way to purchase items.,
Fitnessonthego58,FALSE,10/29/2020 6:42,"In the process of getting a new house and needed a new bed! I applied for Affirm and bam I was approved and will have my new bed in 2 weeks!! 
I did my “ happy dance.”’ Made my life a lot easier!  Try it you will not be disappointed🥰😇🌻☮️",5,Getting a New Bed Made Easy,
D!Day,FALSE,12/19/2020 21:51,"I was charged more than I am supposed to. It was a cancelled charge, called them two months ago and call center agent told me it will be refunded, apparently they kept charging me which I didn’t notice. The worst part is when I realized that they made a mistake with the charges, I couldn’t talk to any agent anymore. I sent an email, but no confirmation has been made. Now I’m stuck waiting if my money would be returned or forever given to affirm!",1,Charged,
eyebwags5,FALSE,7/10/2020 22:48,So nice to be able to make payments on trips and things that I need.  The app is super easy to use and I love that they send you reminders about payments due even one the day it’s due in case you forgot.,5,Easy and convenient,
turnie p,FALSE,4/16/2020 23:52,"I’m able to get the things I want with a great monthly price. Quick and easy, and don’t worry if you change phone numbers it’s very easy to get back into your account. All around great service.",5,Great app,
MissBHaved,FALSE,3/23/2020 23:26,"What a great site. Affirm helped me with a much needed loan with affordable monthly payments!!! Thank you for working with me, I just paid off my last loan payment, very happy and would definitely use this site again!",5,Happy customer!,
extra $$,FALSE,3/14/2020 12:41,"It was nice to make payments on are vacation, Didn’t have to worry about being paid in full before going, we all know something always come up. It gave us extra spending $$",5,Love it!!!,
90kevin20,FALSE,3/10/2020 20:36,Wonderful company I use it sometimes to grab something a few months ahead of time. Be careful or you could pay a lot in interest. Don’t use this as a loan. Use it to get something on sale etc.,5,Great company,
AliciaMolina,FALSE,2/4/2020 7:17,The interest they charge is reasonable. I couldn’t have afforded a $300 blender or $500+ smart tv otherwise. If I had waited until we had all the cash we probably wouldn’t be enjoying either one right now. Thanks Affirm!,5,Fantastic!,
gtrenpqac,FALSE,2/1/2020 1:29,This company is great they dont kill you on intrest and is a very easy company to work with. Paid off 2 loans so fat and look forward to doing bussiness with em for a long time time to come. Finally a conpany that dont charge fees so bad you'll never get out of debt. A+++++,5,Love it,
Hold*8404*Fast,FALSE,1/31/2020 23:19,Wonderful app. Easy to navigate and apply for purchases. I appreciate the ability to make purchases on the fly as well as manage my payments so easily. Highly recommend!,5,Fast and easy,
Susanslvnlife,FALSE,1/14/2020 15:10,This service  has allowed me to get a much needed higher priced item my daughter so needed  . Love this new way to juggle getting what you need but can’t quite budget  full amount . Will be using and recommending !,5,Pay a little Get a Lot,
Scott Shallenberger,FALSE,12/30/2019 19:59,Very easy to use and convenient considering that I didn’t have the cash. One feature that was particularly good is that they tell you how much you can save by paying off the entire balance. Great service!,5,Scott,
Pudentaine,FALSE,12/25/2019 16:04,"This is the second year
I’ve used affirm for extra Christmas expenses. Great service, opitional payment plans from a few months to a full year. They show the interest you’ll pay upfront and are very fair and above board.",5,Best small loan app,
Markmdrtgm,FALSE,12/21/2019 23:22,"I don’t like Credit cards , but when purchasing a bedroom set this Affirm came up as a payment option , gave it a chance. It sounded to good to be true. My furniture arrived and my bill was exactly what I was told. Love it",5,So easy and fast,
tjayy_killernice,FALSE,12/19/2019 20:31,"I like buying a lot of stuff like daily type, but having affirm i can pay most of the stuff i want off then the others i just pay them monthly and it helps a lot alot!!!",5,Sooooo freaking helpful !,
Brand:O,FALSE,10/16/2019 11:56,"Didn’t know what to expect from this service but it’s better than any of my regular credit cards! Easy to make payments, wish it was as easy to get regular credit line increases.",5,Easy,
So Jazzy J,FALSE,11/14/2019 23:06,This company has horrible service. Called in concerning an issue with my account and they literally didn’t have any answer. I dnt know how the Manager Nick has no solutions. He literally repeated what the rep said over and over again s they have no trouble shooting options or anyway to solve issues. This company is horrible and If you have any issues you are screwed because they dnt knw anything outside of the script they were given.,1,Horrible service,
Kfantes,FALSE,10/8/2019 3:48,I use this system to buy stuff the we are really needs at home. 0% APR and give you the facility to pay in installments. Also the app it is super convenient to follow and check your account. 10 starts,5,Great and helps,
KelliLynne,FALSE,7/17/2019 22:15,I just love affirm I am so glad I gave it a try one day when I needed to buy something online quickly I will continue to use it when it’s available! Great customer service and I love the app!,5,Love Affirm! Easy breezy affordable payments,
anthonyhamilton52,FALSE,7/8/2019 0:19,"Love the site I’m
Never late on payments and I have spent about one thousand dollars on shoes through this website. Glad this site gives me a opportunity to do business with them. I’m a loyal customer and always will be",5,The site,
95OBS,FALSE,6/17/2019 5:09,"See when it’s due, how much and optional full payment to save on interest! Prompt reminders of an upcoming payment and payment confirmation following. Not overwhelming with junk mail either. Thanks",5,Easy and simplistic,
Kamron18,FALSE,6/13/2019 5:32,"Great app, I was first approved for $350 then more than double that once I was almost finished with the first installment. Those payments show up on my credit report which is a big plus too. No complaints",5,No complaints,
CarrieJo9,FALSE,6/10/2019 9:47,"I have bought several things online, using Affirm to make convenient, low monthly payments! I am very happy with the service and it has been great in helping me rebuild a positive credit rating!! Thanks so much!!",5,Love the convenience!!,
Pvivman,FALSE,5/28/2019 7:25,"Finally somebody got it right with an app.  Lending money to use for travel and make purchases along the way without judgement or regard to past credit history. 
What a concept, and the customer service is A1 perfect.    Love this company.",5,Excellent idea,
Naila1207,FALSE,5/11/2019 5:03,This is the greatest app ever. Your able to buy stuff from just about any place you can imagine. From Walmart to plane tickets and more. Very easy to work right from your phone. If I could rate over 5 stars I would.,5,Awesome,
Rock_lefty,FALSE,5/1/2019 21:14,"When u need fast cash and a great rate no one is better than Affirm, quick and Easy! Could give return customers cheaper rates when they have paid a few in full!",5,Fast easy Way to the Cash u Need!,
turbo1073,FALSE,4/26/2019 19:44,Purchased quite a few larger purchase items online 0% interest easy terms . Doesn’t get any better . Will use this in the future for sure!!,5,This is very convenient and useful,
Hugo Boss LBC,FALSE,3/29/2019 8:59,I’ve bought a couple things and I love this app because I can get it and worry about it later on through monthly payments . Interest is fair to be honest...,5,Great way to buy big purchases and pay monthly,
garlow,FALSE,3/28/2019 1:19,"This system is fantastic for dealing with either unexpected large purchases or buying slightly out of your means. With clearly laid out interest plans, scheduled automatic reminders, and auto pay, this app lets you loan with practically zero risk. I love it.",5,"Transparent, simple, affordable.",
Richoner,FALSE,3/25/2019 23:25,"If you’re looking to make a purchase and you want an easy payment plan, look no further. Affirm is easy to use and super easy on your wallet. You won’t be disappointed.",5,It doesn’t get any easier.,
SpuceLord,FALSE,2/20/2019 3:26,This is basically a credit card without driving my utilization. I’m so glad they finally allowed me to use their services. I just make bigger payments to avoid the interest. The interest rates aren’t even that bad. Love this service.,5,GREAT APP.,
Mcupkim [STSI],FALSE,2/14/2019 15:33,I was about to spend $1150 on 2 Apple watches but instead I used Affirm and am paying $100 over 12 months instead of 1 lump sum of cash!!  Have used Affirm before but for smaller purchases. Recommend to all!,5,Great for purchasing anything!,
JimBob517,FALSE,12/26/2018 0:30,"The app is so easy to use. The purchasing process is just as easy as using your own credit card. Of course, it's high interest borrowing, but they're the best lender to use in a quick fix.",5,Easy Interface,
Princeitk,FALSE,11/20/2018 11:49,Using this app. Provides all information first hand on your loan. No hidden fees. Even tells u how much u save on interest  by pay off ur loan early . All your due dates . Setting up automatic payments is easy. Adding and removing cards .,5,User friendly,
xobk,FALSE,11/19/2018 19:39,I have little to no credit but was approved by Affirm through the Casper site. I've since used the app to buy a pair of MLB playoff tickets I couldn't budget at the time and am now paying it off in small increments at a very low apr. Quite happy with Affirm.,5,Great company,
denequa40,FALSE,10/2/2018 4:03,This is an awesome company that help me get items I usually can’t afford. With this easy to use app I can have the power to purchase at any stores and make payments over time. I recommend Affirm to all my family and friends!!,5,Awesome company,
sfsxshingo,FALSE,10/4/2018 6:17,"App told me I pre-qualified for $XXXX. So I tried to get an online card to purchase something and it told me to go to the merchants website and check out using affirm. When I did that the merchant said I only qualified for $2XX. How are you gonna tell me I qualify for XXXX and then when I am ready to check out I qualify for $XXXX amount LESS? I know your site says the actual amount may be different but come on, THAT big of a difference?? I will NEVER suggest Affirm to anyone. EVER.",1,What you pre-qualify for is a LIE. BE CAREFUL.,
smallsoulja,FALSE,9/28/2018 12:54,Affirm has been a life saver for me.. emergency travel; death in family; I wouldn’t have been able to travel out of town at the last minutes if it had not been for Affirm.. i love this app...,5,Better than You imagine,
Teresa love,FALSE,9/14/2018 1:03,I have been dealing with affirm for a few Years now. I can say every time I needed something I was always able to purchase it through Affirm . From cell phones to airline tickets they always came through for me . 😀😀😀😀 Thanks so much.,5,GREAT COMPANY,
dasauto161,FALSE,9/3/2018 12:22,Have used this app/service many times and makes it easier to purchase things when you just don’t have enough to buy it outright recommend to everyone I know,5,Great,
Meenzter,FALSE,8/21/2018 13:09,"Affirm makes it real easy to make purchases.  I know the whole amount, including the interest amount I’ll be paying. Affirm also sends me reminders via text of when my next payment is due.",5,M.A.,
beesmom13,FALSE,8/17/2018 18:13,"I am so glad I found this company.  Getting the loans are easy and convenient.  Only suggestion I have is I would love to have a option to put all the loans into one to make one payment.  Other than that, no complaints",5,Love affirm!!!,
JustAliciaa,FALSE,8/12/2018 3:37,"Seriously so cool that I can pay things off easily and even early if I want to it’s a great option for big ticket items! I got my laptop for school when I didn’t think I could afford it all at once, affirm case to my rescue!",5,Awesome,
Lisa Haley,FALSE,7/22/2018 19:38,The app is so simple to make payments and I appreciate being able to set up reminders via text message. I used affirm to finance a family vacation and I’ll definitely be using it again.,5,Easy to use,
BRONXBUBBA1,FALSE,6/28/2018 0:11,"One of the best and easiest apps I’ve ever used. More convenient than most credit cards too. You just pick the monthly plan you want, Affirm calculates your rate and gives you a payment plan. Can’t get easier than this !!!",5,Affirm Is Great !!!!,
KaycieSuitt,FALSE,6/19/2018 22:24,Very convenient and helpful. I scheduled payments in advance and could change them if I so chose even up to a day before. I also opted for text reminders about my payment due date and that helped me out a lot. Love love love Affirm!!,5,Convenient,
Mr. Furlie,FALSE,6/11/2018 23:14,Been using over a year. Great app purchased many thing and just paid monthly. Just set up auto pay and it comes out automatically. Can use this credit to buy from any online stores. I love it.,5,Great App!!!!,
veenicole,FALSE,5/30/2018 14:18,We were able to make payments that worked for us and we paid off our first mattress in no time! Really easy to use and I’ll definitely use Affirm again for future purchases!!,5,Love it!,
ThatDudeSK,FALSE,5/18/2018 7:58,This app is great in my opinion. It’s easy to use. So many stores to shop at online and if your store doesn’t appear you could still make purchases. I usually don’t review apps but this one deserves it. I sing your praise with “affirm” tone.,5,Great n Easy,
Vidaurec,FALSE,5/10/2018 11:57,I love this app for booking vacations. I really enjoy the app is easy and not complicated at all. Customer service is always friendly and very helpful. Would definitely recommend it to everyone.,5,Super easy and low interest,
letydfcove,FALSE,10/12/2017 17:42,"I had an emergency trip to San Diego (funeral) and did not have enough money to take this trip. The loan process with Affirm was fast and easy. Thanks to Affirm's loan I was able to accompany my family in need. I will absolutely recommend Affirm with family and friends. Thank you Affirm!

-Leticia Medina",5,San Diego Trip,
PackiePoo18,FALSE,9/13/2017 21:50,So many thumbs up! Love this app super easy and fast acceptance on loans that I. Ever thought possible! Very out right and honest about how much you owe so easy to see how much you have paid and what's left to pay! Plus you don't have to enroll in autopay so no need to stress!!,5,👍👍👍,
Evey❤️,FALSE,2/23/2021 14:20,Affirm is God sent! I needed a lab top for school and I was able to get it quickly through Affirm. Their payments plan are reasonable! Since then I have ordered other items and so far no complaints!! Thank you Affirm!,5,Affirm credit!,
atkins2012,FALSE,4/3/2021 18:33,When I booked with VRBO I was able to use my credit card to pay my down payment so that is the card i used to link with my VRBO account to make monthly payments as I pay my credit card balance monthly to keep from paying interest got a message that my payment was late and when I got ready to make a payment it said VRBO did not accept credit card as form of payment 😠 I don’t understand ?!,1,Payment discrepancy,
CarmelGoddess_0420,FALSE,3/4/2021 9:43,If I could rate a negative I would! I've been trying to use this app for months now. Every time I try to log in with my phone number to start an account they say they can't verify my identity and sends me an email! How can you not verify my identity but send me an email!? Mind you I never put my email in! I've never gotten pass the enter phone number page! I'm very upset!!! There should be a way to reach out other than wait for a letter!,1,WILL NOT WORK FOR ME!!,
HIIt junkie,FALSE,10/10/2020 16:25,"I’ve never once written a review for an app but this one deserves it! I’ve used affirm for multiple big purchases and it makes it so easy and affordable. Great deals, easy and manageable. I high recommend this app to everyone!",5,Amazing,
jlynnrn1277,FALSE,2/21/2021 3:42,"I'm not digging this service one bit...I've been using Klarna & Afterpay FOREVER!!! Without a problem, issue or incident!!! BUT AFFIRM...I can't get ""prequalified"" for a freaken $1.00!!! It's utter BULLS**T!!! Imma try 1-2 more times then I'm deactivating/deleting my account!!! There should NOT be an issue with me getting prequalified. Especially when BOTH my CC and Checking Acct numbers are connected to this. And my credit isn't bad!!! I know ppl with AWFUL credit that use this. Smdh. Get it together Affirm!!!",1,Qualification...,
CD May,FALSE,2/18/2021 11:26,"I used Affirm a lot and thought they were convenient until the loans appeared on my Experian credit report. I don’t need a new trade line popping up on my credit report each time I open a new loan with Affirm. For this reason I will stop using Affirm. They were convenient until my credit report became affected.  It is not a good look to have closed accounts on your credit report and for that reason I’m out. (Ha, in my Shark Tank voice)",1,Trade Line On My Credit Report,"{'id': 21173444, 'body': ""We appreciate the feedback and we're always interested to hear what our shoppers are saying about Affirm. You can refer to our Help Center at affirm.com/help to learn more about how Affirm reports to credit bureaus. For immediate assistance please write to our team at (855) 423-3729 to speak with one of our team representatives. Thank you."", 'modified': '2021-02-19T22:28:09Z'}"
Jstauffer256,FALSE,11/5/2020 19:27,"They give u a prequalified amount and u use it but not all of it an get it almost paid off an get ready to buy something else an they take away ur spending limit for no reason. And their interest rate is a lil high. Jus recent I went from a limit bout 2,000 down to $50 so what am supposed to do with that.",3,Qualified amount,
sarabarnett1989,FALSE,2/22/2020 22:28,This app and affirm company saved us when we needed a place to stay they pre approved and financed our hotel stay and I was able to build credit up paying it off each month. It’s legit!!! Love it,5,Life saver,
gdm2u,FALSE,9/8/2020 19:35,Your ap is almost impossible to find information like a phone number in order to talk to someone in order to get my account number or where to mail a payoff check. I hope you do not continue to charge me interest as I have a check to payoff the account in my hand as of today and I want to pay off my account.,2,Ease of using your ap,
AbarahonaH,FALSE,2/16/2020 19:14,"It’s such a cool app, and tool but costumer service fails over and over again on fixing something that other companies would resolved in minutes.",5,Costumer service never gives a good solution,
KgoughCT,FALSE,2/8/2020 17:26,Thank you Affirm for making it possible to purchase the gifts my daughter wanted for her birthday. I really appreciate this app and would highly Recommend anyone considering using this app to go ahead and use it.,5,Thank you Affirm,
King Redfisher,FALSE,2/7/2020 15:38,"Very easy to use app to obtain 0% financing from retailers, very easy to setup auto payments and manage account. Will use again for more large item purchases (used first time to purchase a mattress)",5,Excellent experience,
toyas80,FALSE,2/5/2020 12:18,"Affirm is a very simple, direct and easy process. It allows you to choose between 3-6 monthly payments that you are comfortable with. Best of all Affirm doesn’t have crazy high interest rates. I highly recommend! Thanks Affirm!",5,Fast and simple,
Ldr543271,FALSE,2/3/2020 4:47,Everything is up front.  No hidden BS.  Have used it for 2 purchases instead of dipping into my savings.  Only down side I can think of is I haven’t seen any reporting to my credit reports.,5,Great way to get out of a tight spot,
Criztinem,FALSE,1/31/2020 21:17,This is an easy to use app and organized very well. Affirm is great and helps you stay on a monthly budget by letting you know exactly what your payments are for the entirety of the loan. I also love the “pre approval” option.,5,Great option,
downsouthsweetie,FALSE,1/30/2020 15:52,I tried affirm to see what it was all about...love it! Bought what I wanted applied at checkout made some payments then paid off the loan. They make it simple and easy would definitely recommend!,5,"Easy, breezy!!",
Cros12345,FALSE,1/1/2020 19:07,This is a great way to build credit and I love the reminders usually a few days out then day of so that it is on the list and payed on time! Can not recommend enough this service🥰!!!,5,Convenient,
shortCUT207,FALSE,12/16/2019 10:34,"Started this account to take care of upgrades for my new truck based on future guaranteed income apart from my primary income. Works great. Easy to track payment history, get reminders etc. love it!",5,Quick and easy,
Ave2199,FALSE,10/21/2019 16:08,Used Affirm on three different occasions and I love the service. I would recommend across the board for anyone who wants to purchase that little extra necessity without worrying about breaking your bank account.,5,Fabulous,
Unleadedsupreme10,FALSE,9/18/2019 17:20,I’ve been using affirm for some months now and they never let me down. It’s a great way to build your credit and they have so many store to choose from. It’s all worth it.,5,Great Way To Build Credit,
00119922Qa,FALSE,8/26/2019 18:00,I need help to pull up is this where power by Ola Paul from that Low carb smart they win the fan the payments I would like to we wear power by to you how to say unload cosmetic payment plan cost Maddie car from that big payment,5,Red Power bikedNavigate to a M,
mikey82agu,FALSE,8/16/2019 20:12,A firm makes it easy and simple for when you need a part for your vehicle for that extra something on flexible payment plans which makes it very convenient thank you a firm,5,Simple,
labergino,FALSE,8/10/2019 20:36,"This is the best App, i used it to buy my Samsung TV, they believe in people and gives you the chance to buy what you want in a quick and easy way. I currently using the App to buy more stuff. I highly recommend 👌👌",5,La bergino,
PigBottomAdam,FALSE,7/3/2019 17:55,I’ve used Affirm 4 times now to make large purchases and enjoy knowing exactly how much it will cost me and how long it will take to get my purchase paid off. Excellent pricing and customer service.,5,Always a pleasure,
Only won life,FALSE,6/28/2019 2:03,Thank so much for approving me most people probably think not a big deal to me it is... single mom 2 beautiful children and a cancer survivor 3 times you’ve made it really easy in hard times.... Thank you again😊,5,Loan in general...,
ShoMo116,FALSE,5/20/2019 18:00,I love the ability to order nice items using Affirm. It allows me to pay low monthly payment for a set amount of time that come directly out of my account and allows me to build credit.,5,Awesome Advantage,
AnnieD06,FALSE,5/3/2019 13:57,"I’m a little apprehensive about using Affirm - I wasn’t sure how it would work. But boy was I wrong!! The app makes it easy to initiate a loan, and whatever I don’t use will be adjusted on my account. I love it, thank you very much!",5,Easy to use - great service,
Joel is awesome!,FALSE,4/11/2019 6:26,"Great app, awesome company! So glad i started using affirm. I’ve been able to purchase the things I want without crazy rates. As long as they stay the same I will always be a customer! ( till I become rich and buy out right lol)",5,Love it!,
Maribellah,FALSE,4/8/2019 3:12,"Fast, Easy, No Nonsense.  You know the total amount with the interest on entire balance, you chose how to pay it and you know exactly where you stand.  No hidden charges or agenda.  Awesome way to afford traveling.",5,"Fast, easy and honest",
Laidndixn,FALSE,3/27/2019 20:50,I used Affirm to purchase a few outfits for a trip I  had to take. I had run out of money until my next paycheck. It made it easy for me to set up a payment plan so I could purchase what I needed.,5,Great app and great short-term loan service,
corieann2,FALSE,2/26/2019 14:12,I love how easy is to use the Affirm app! In a matter of a few minutes I was able to enroll and start shopping and the interest rate is very affordable. They variety of stores to shop from is fantastic. I’ll be a customer for life :),5,A+,
SeloSR,FALSE,2/25/2019 19:03,"I couldn’t imagine this was real who would let you borrow $ without having to charge interest, Affirm came along not even my friend by next week he will be asking for he’s money back, thank you Affirm you guys ara awesome*****",5,Best deal ever thank you guys!!,
Ziliswen,FALSE,2/1/2019 13:16,I am so grateful for Affirm and their services.  It has helped my husband and me purchase items we needed in a hurry.  The process is easy and stress free and the interest rates on the loans are much better than most credit card companies!,5,Affirm is fabulous,
cqwilliams89,FALSE,1/31/2019 14:29,"Have been extremely satisfied with everything about this, don’t feel like buying the whole thing at once let this help you with super fair rates.",5,There when you need it.,
satisfied indeed,FALSE,1/29/2019 10:12,You couldn’t ask for a better way to finance items you’ve been dreaming about.  All terms are provided upfront and does not affect your credit.  Go with repayment terms that work best with your budget and BOOM ... your items are shipped.  Thanks Affirm,5,Awesome Upfront Loans,
Luxephotonerd,FALSE,12/27/2018 2:25,This is the real deal I took my first trip out of the country to Rome thanks to the loan I received from affirm. of course everyone should know not to borrow more than they can pay back  but if you budget your payments this is a godsend.,5,Love it,
Jenkaylu,FALSE,12/3/2018 0:42,Very easy to use and understand. Love the way it’s broken down so you know when the payments are coming out. It also sends you texts messages as a reminder of your auto pay. 👍🏼,5,Positive,
SupremeKnightXX,FALSE,11/22/2018 17:40,"I’ve used Affirm for everything from sneakers, to craft items for my wife, to our hotel for vacation. Always easy, and safe, to use without hassle. I’ll always use Affirm if the option is there!",5,Great service,
Shelbyae,FALSE,11/21/2018 8:20,"I chose to use on a purchase I had the money for, but I wanted to test it out and it really worked, my offer was for 0% interest. And I had no problems would recommend.",5,Worked well for me,
4sq_cb3,FALSE,10/23/2018 7:46,It’s been very helpful to have as an app and as a credit program; easy to use and works almost anywhere. Have used it multiple times and no problems.,5,Great App and Program,
levpo,FALSE,10/20/2018 13:54,"So far, this app works perfectly on my phone. It is simple and it delivers, making it much easier to track my loan and payments. Highly recommend this app, which is more than I can say for many apps!",5,"Great, Timesaving App",
tdenj,FALSE,10/7/2018 0:09,I’m rehabbing my home and shopping online is a quick and easy way of furnishings my home. Using online credit and having the ease of paying the Loan back was so easy.,5,Approval process is so fast and easy,
Anthony Lopez 3,FALSE,9/6/2018 5:52,Super easy to use and the way they have your payments set up is super easy to manage. Also they send you an email AND text message a few days before each payment is due as a reminder! Love Affirm and love the app!,5,Awesome!,
namith3678,FALSE,8/15/2018 1:32,Never thought it was possible to have such a great way to shop and pay over time without carrying my Visa card love the payment options and the ease of shopping at all these retailers!,5,Love this option,
BellRoa,FALSE,8/2/2018 16:51,Making payments are so easy to this app it takes a complication of signing in on a computer one push of a button you have your payment made..,5,Easy and simple,
Juliette De Pena,FALSE,8/1/2018 5:54,Affirm is a life saver!  In some occasions I do not have the full amount of money to purchase for things that I personally need.  The flexibility that affirm offers to shop and pay with monthly installment payments it is a blessing.  Very easy to use and consistent.,5,Fantastic!!!!,
Michiaels17,FALSE,7/16/2018 9:55,This app is incredibly easy to use and very well organized. I have recommended it to several people and I look forward to using it again and again in the future.,5,I love it!,
britt~britt<3,FALSE,7/12/2018 23:03,They make it easy to get a loan and give you affordable monthly payments. First used it with wayfair. It’s easy to use easy to manage and easy to make a payment about to pay it off to book a vacation can’t wait,5,Love it,
artimus667,FALSE,7/11/2018 18:32,"Simply put, I’ve found that I can use use this app very easily and I don’t experience any issues as I have with other financially related apps. I can log in, conduct biz, and log out without a hitch and get on with my day. Like a good app should!",5,Hiccup free.,
Zboy007,FALSE,6/18/2018 5:22,Best way to get a loan. Everything is straight forward. It shows the amount of interest you'll pay on a loan and if you pay your loan early you only pay interest for the time you had your loan.,5,Simple way to get a loan,
Happiness to the max,FALSE,6/9/2018 15:29,I cannot express how handy this has become for me.  The app is easy to use and the ability to get things I cannot afford fully on the spot and avoid using a credit card is truly a blessing.  Thank you Affirm,5,Awesome,
My name is Daisy(:,FALSE,5/29/2018 18:45,"This app has helped me so much! It is so easy to apply for loans and make payments. I’ve bought concert tickets, purses and other items that I would not be able to afford all up front but with payments I am!",5,Amazing,
TitanSpore,FALSE,5/22/2018 22:59,"Affirm makes it so easy to finance purchases or bills from companies that make you pay up front. It’s great for small purchases, and the best for larger ones! You know what to expect ahead of time, so there are never any surprises!",5,Simply Amazing!,
Wberface,FALSE,5/15/2018 0:34,My granddaughter was born needing a owlet and I couldn't get one.  Affirm gave me the credit I needed to keep her safe and monitored.  She is a very healthy six month old.  I then needed another loan my washer and dryer quit and was approved again and they are on there way.  Thank you so much affirm,5,Live affirm,"{'id': 3478932, 'body': 'Hi,\nWe really appreciate you sharing your story. We always love to hear how Affirm is helping our customers. We would love to hear your story in more detail. If you feel comfortable please email us at help@affirm.com and please mention sharing your customer story in the email. \nThank you', 'modified': '2018-05-15T22:42:48Z'}"
PMP421,FALSE,5/8/2018 23:21,"Great way to buy things! Easier and better than using your credit card. You know what you’re paying, when you’re paying, and when you’ll be done. Nothing is hidden. Thanks!",5,Love it!!!,
crappyturd34,FALSE,5/9/2018 17:09,"Like the app, makes it easy to pay from your phone with no hoops to jump through. The rates are extremely high and don’t see a way to pay off remaining balance without paying the %age left but other than that would recommend.",4,Good app,
Some1awesome300,FALSE,2/8/2018 16:51,"This company is really the best. I’m an 18 year old high schooler, and I don’t make that, but because of affirm, i was able to buy my gf a Apple Watch series 3. I make monthly payments on the watch all thanks to affirm. I plan sticking with them, you guys are awesome",5,This is my honest opinion,
Blacktide<3,FALSE,3/27/2021 14:13,Affirm is amazing and truly is a helpful thing that allows to get things that may be needed and they are extremely convenient and allows to pay things with ease. One of my favorite apps to use.,5,Affirm is great,
kaymo51,FALSE,5/31/2021 15:33,"I do like affirm however the fact that I can get pre approved and I’m just a few days it gets taken away is ridiculous. I pay all of my bills reliably and have a good credit score. There’s no easy way to get in contact with anyone to get some information as to why this happened. 

The lack of customer service for this app is upsetting.",2,It can be helpful,
Nelly bug,FALSE,5/29/2021 18:33,This is the worst app ever. I have all my payments set on autopay yet every single month somehow the payment can never process. Then I schedule the payment and it still doesn’t process until like the third attempt. I really hope no negative reporting to the credit bureaus is taking place because this is ridiculous. As soon as I’m done paying off my current accounts I won’t be using this app anymore .,1,Worst app ever.,
Rawr4you,FALSE,1/15/2021 14:59,"Affirm really comes in at the best time. When you need some help and no one is there, feels like affirm always has my back. very happy this app exists. Thank you from a 24 year old who needs the money 😎",5,I’m obsessed,
our family 455,FALSE,2/24/2021 15:52,So I was thrilled to find an app that finally offered luxury brands unlike QuadPay and after-pay. I took out two loans. Paid two off with in less then a month but still no increase in available credit. Was better off letting it go month to month they paying off quickly. Other apps make the credit available as you pay off but not this one,1,Not what I thought it would be,
Margie760,FALSE,2/15/2021 18:49,"I have updated my phone over and over and this app keeps telling me that I have not enabled cookies in order to make my purchase! Is there a glitch somewhere because the other 2 apps allow me to make my purchases with no problem and they use cookies. I have checked my settings and everything and do not have anything blocked, so I don’t get it.

This is the worst in customer service contact I have ever seen!",1,Cookies???,
pillardOde,FALSE,12/19/2020 18:13,I’m very satisfied with the service interest is a little high but when you have the “unexpected “like we all have this year 😷affirm was there to “give credit where credit is due”.,5,Thanks,
Silenthearer,FALSE,1/5/2021 12:09,"Don’t use these people. They will basically AFFIRM (pun intended) you a loan for X amount to cover your purchase, but even if you use a lower amount of the loan, contrary to what they say when you sign up; they will bill you for the full amount and blame the retailer you use and then still bill you for the full amount of the loan. Use KLARNA if you can or even SNAP FINANCE. It’s 2021 be mindful of these companies who are just adding to your financial stress in the name of helping.",1,Avoid like Covid,
smilin glenn,FALSE,11/29/2020 2:49,I had a issue with capital one stopping their post dated payments.  And I did not know it.  Problem was fixed so easy with no bog issues.   Great doing business with.  Will continue as long as they let me.   Lol,5,Great service,
vebejjd,FALSE,12/6/2020 20:17,I had no idea Affirm would charge so much interest. I was expecting something more like Quadpay or Afterpay where you make payments that would equal the exact amount that your order came out to! I would not recommend this to anyone I know. Ended up spending 30 more than I would have if I had just bought the items upfront. Never again.,2,Deleting Affirm,
deles7,FALSE,8/11/2020 20:55,"Affirm allows me to pay for a variety of items, services and goods pay over three to twelve months period. It is not a law away plan. Please check out Affirm and you will get more facts about them.",5,Affirm is affordable for all.,
aliiiii9365729,FALSE,9/25/2020 10:11,"I love using Affirm but since I got an iPhone, the app freezes if for whatever reason it doesn’t recognize my face or if I accidentally hit the wrong number in my pin. I have to then delete and download the app again because it never lets me log in again.",3,Love the product but app freezes on iPhone,
Jdjdjdv,FALSE,7/2/2020 22:11,"Affirm is a straight forward loan service and I couldn’t be more happier.    You know exactly what you need to pay and when.  You can set it up to fit your needs. 3, 6, or 12 month payback options.",5,Affirm rocks.,
WhizmoB4,FALSE,3/7/2020 18:13,I tried this app at Christmas time and found it very user friendly. I’ve already paid off my balance and will probably use affirm again in the near future. 👍🏻,5,Easy to use,
Lana del taco,FALSE,4/8/2020 20:10,"No help at all to cancel payment installments regarding flights, especially during the COVID 19. I called them asking to stop payments, and they said I had to call the company I bought the flights from. The flight company sent me a refund application which was nice but it makes no sense if I cancel a flight yet still get charged for a monthly payment? It sounds like they just want your money. Don't pay with them",1,No help at all with travel advisories to COVID 19,
Thatboyoh,FALSE,2/21/2020 0:26,"When you really need a little help. Or just need something AFFIRM is there. Or if you just want something they are their to help spot you the money to get what you want!! 

I love this App and these people",5,When you need a little help,
Saishi of PA,FALSE,2/27/2020 16:10,"I have been using Affirm for over a year to purchase items without problems and no missed payments. Suddenly the app refuses to prequalify any new shopping amount unless I enter the log in information (USER NAME & PASSWORD!) for my bank account!  There is no reason whatsoever to justify needing that information. 

If that doesn’t change, once my current purchases are paid off I will NOT continue using and uninstall.",1,Bank Log In Info?!,
queen city shopper,FALSE,2/20/2020 20:28,"I love affirm! My wife introduced me to this app and I can’t tell you how much I use it! It’s great when you want a cute outfit, but don’t get paid till Friday. It there is an item you want but it’s expensive, just make payments it’s that easy!",5,I love Affirm!,
Marlope64,FALSE,1/31/2020 21:11,"I really like this app, it gives me the liberty to purchase what I need. Personally it allows me to think before I spend. I know up front what my payments would be and I choose how many payments to make. Thanks",5,Love it,
Mr.Gubs,FALSE,2/6/2020 1:53,Great service unless you happen to need to get a refund on a return. Part of the refund was made to the original source of payment a couple weeks after the return was made and the other part came 45 days later in  form of a check. Do not advice using this service for items you might need to return such as shoes!,2,Refunds take 2 months,
Billy 25 from SC,FALSE,1/24/2020 20:58,"Affirm has a very simple and quick application process. I was able to commit, purchase and get back to my normal life within minutes of applying for my purchase. Recommend it, reasonable interest rate too.",5,Affirm to the Rescue,
BrookeM80,FALSE,1/2/2020 13:05,It’s like bringing back layaway with a twist ! Love this app and look forward to seeing even more retailers to shop with . The app itself is smooth and user friendly . This app is here  to stay !,5,Perfect way to make large purchases,
jrlugo3,FALSE,12/31/2019 20:38,"I’ve used AFFIRM for several items I’ve purchased.  I love the ease of using them !  No hassles, no pressure, no problems, just pay and you’re good to go, and they extend credit on many merchants. I highly recommend !!",5,Love the ease of using,
MisterWaters,FALSE,12/29/2019 15:04,"Seems too good to be true, but this service is the real deal. Easy payments with reasonable interest so you can afford those tickets you otherwise would miss out on",5,Excellent service,
Mel121984,FALSE,12/30/2019 23:07,I am confused. I am able to pay my bill but not able to shop? Keeps asking me if I want a virtual card which I do not. Every store I click on. Why list all these stores but ask for more info in order to see merchandise? You didn’t ask me that when I used affirm to make a purchase from Kendra Scott. So why ask now? I am confused and lost my interest in using this app now. Blah,2,Confused,
Daniel People,FALSE,12/7/2019 2:21,"Very easy to navigate, easy approval, many store’s to choose from. Easy & low monthly payments. Affirm allows you to take advantage of 0% interest if the store offers it. I will use this as often as I can. I love it!!!

Thank you Affirm.",5,Affirm,
Tmcavoy486,FALSE,12/1/2019 17:03,"Easy to apply, easy to get approval, easy amount monthly payment, nothing hard or difficult I would definitely recommend Affirm to my family and friends.",5,Easy and reasonable fees.,
Memphis_Cajun,FALSE,10/1/2019 1:58,I don’t really do too many reviews because what’s good and works now may be broken and not work later but this app has help me keep track of my loan and payments. Thanks affirm keep up up the good work👍,5,A must have app!,
faith1nyou,FALSE,9/30/2019 14:56,"I love Affirm! They finance through a wide variety of companies such as Tradesy, The Real Real and Sephora. I just happened to place orders with all three! The payments are teeny tiny and I am beyond appreciative that Affirm is there for my shopping needs. And no, they did not pay me to say this!",5,Adore Affirm!,
Gonadalopolus,FALSE,9/14/2019 14:48,"Finally a company who makes it easy to pay.  No B.S, no fine print.  Open and honest as it should be.  Will definitely use again.",5,"Easy,Quick, all info given up front",
DataOwler841,FALSE,8/31/2019 4:36,"Never been so happy to have loan ! These people are amazing, makes it so simple to buy and pay later and with no interest building and set amounts to pay, make the experience even better ! Affirm is the best !",5,Best Service !,
danettecrump,FALSE,7/17/2019 0:50,I was able to take my grandkids to Cedar point for a week thanks to Affirm and their loan process... we had a great time and made memories to last a lifetime and I am able to pay this vacation off in 12 easy payments!! ❤️❤️,5,Affirm is awesome!,
Lerky99,FALSE,7/15/2019 8:23,"This app is so simple and easy to use. I buy sneakers from StockX and make my payments monthly through affirm so that I can afford them. And I thought it was gonna be a nightmare, but this app and service is amazing and cheap.

Highly recommend",5,Omg so simple,
AdG431,FALSE,5/23/2019 20:47,Affirm is easy to use. They make understanding how much you owe and what is due very easy. There app even changes the payment due when you make extra payments. I will definitely use Affirm again.,5,Affirm payments,
Myckel5,FALSE,5/17/2019 19:36,Affirm has open up so much doors for me. I am able to purchase things that I wouldn’t have able to pay full price. You buy now and pay later.,5,Buy now pay later,
Mike_Deater,FALSE,4/12/2019 12:52,I love this app because it ha allowed me to make purchases for my truck without really killing the wallet. I haven't had any issue in my requests and have been able to pay them of in av timely manner.,5,Been great for car parts,
shawn slattery,FALSE,4/2/2019 5:11,It may not be the best rate around but at least you know exactly what you’re paying and exactly what the payment should be. It helps to stretch things out with my photography business. I’m pleasantly pleased!,5,It’s very straightforward.,
Noblito74,FALSE,2/20/2019 17:03,I have used Affirm to make multiple purchases over the past two years. They make getting a small loan quick and affordable.,5,Convenient and easy to use,
Anlisac,FALSE,2/4/2019 16:03,I buy everything with affirm. It’s so easy to use online and if the store has Apple Pay it works in store. Keeps track for you how much you owe and you even payoff before your terms are done. Very easy to use with app.,5,Love Affirm,
Kringer84,FALSE,1/16/2019 23:30,"Would recommend Affirm to my friends. It’s easy, convenient , instead of having to pay all at once. Just pay a monthly amount & if you can pay more, the sooner it’s paid!",5,PatT62,
Spl179,FALSE,1/6/2019 17:29,I’ve used Affirm a number of times already. They have fair interest rates and payments are easy with the auto pay feature. Plan on using them many more times in the future,5,Very pleased with Affirm,
Hack is,FALSE,10/17/2018 2:43,Every time I use this app to help me get something it comes through everytime flawlessly. Set up auto pay and never think of it again. 100% in my mind,5,Never a problem,
DParson24,FALSE,11/14/2018 17:08,"I’m grateful for what this app has given me the opportunity to do. I’m just really frustrated with how tedious the process is when it comes to changing something like your phone number. It’s sad to see such an easy to use app get ripped apart by something that should be easy to handle. If this can be fixed, this app would be perfect.",3,Great app.,
Basiciphoneuser,FALSE,10/15/2018 15:31,Affirm came in handy when I was down a couple bucks and trying to boost my credit! With affirm I was allowed to build my truck and not borrow money from family. Using the app to pay monthly makes it so convenient and easy!,5,LOVE LOVE LOVE,
kdili,FALSE,9/9/2018 1:54,I love working with Affirm! They make things simple to get what you need on terms! I thank you Affirm for bring this amazing service to us!!!,5,Affirm makes it quick and easy to get the things you want and need and on very reasonable terms!,
telung!!,FALSE,8/28/2018 20:23,"I highly recommend affirm as a whole, the app helps relieve the stress of late payments and constant updates for discounts and deals.

Love it so far and continuing to use on a regular!",5,"Loving this app, user friendly and always up to date",
BrooklynCJL,FALSE,8/10/2018 22:17,"Affirm really helped me travel to a place I never thought I would be able to travel to. With a monthly payment set by you, amount and time, it helped me travel the world. Thank you Affirm!!!",5,I’m doing things I want to do on my time,
robbyrob305,FALSE,8/3/2018 15:09,I use this for everything I need when I just don’t have the cash/funds to get it. I’ve done like 4 loans with them and no issues at all. Now they have lower APR deals with different retailers! Great app..,5,Affirm is a great way to get what you need now!,
SciFlyer247,FALSE,7/26/2018 10:01,App works well. No problems so far! Straight forward and convenient to use. The process of approval and access to funds works well and they don’t hide fees or repayment terms. Everything is up front and hassle free!,5,Convenient! Great app!,
NJAJ555,FALSE,7/25/2018 19:13,"With options of 0% interest and several options to pay back, you can now afford things you need from multiple well named stores.",5,Fast Easy and Financially Wise,
lizabeth987,FALSE,7/10/2018 10:57,"Affirm allow you to make that purchase that you really want with paying it off in a timely fashion.   Affirm is awesome, I just love that I can purchase anything I want from anywhere I want with no limitations.",5,Great option for credit,
666Nickname69,FALSE,6/7/2018 5:09,"My credit was not the best.  I’m thankful for affirm it really came in useful at a time when I hand no other options. Interest rates are high of course, but I always paid my loans off early to save on some of that interest.",5,So Handy,
aix1015,FALSE,6/2/2018 19:44,Love this app. It’s nice that they gave me credit at 0% interest and did not even run my credit. It’s like putting stuff on layaway but better because you get your items up front.,5,Great shopping options,
Allese Mc,FALSE,6/4/2018 5:09,"Paid over 1,000 dollars worth on time never missed a payment . Got over 2,000 approved and paid on time ! But even though I paid on time and was approved for 2300 they won’t approve me anymore because I have to many recent accounts open on my credit report! So what look at what I paid you guys internally!!! They don’t care how good you were with them they still go off a standard credit report!",1,Doesn’t care how you pay internally,"{'id': 3775446, 'body': ""Hi Allese - we take customer loyalty very seriously. As you pay down your existing accounts we hope you consider using Affirm again in the future. We're always happy to answer any questions at help@affirm.com."", 'modified': '2018-06-08T19:43:57Z'}"
TheGreatOne2219,FALSE,4/30/2021 6:09,"I’ve had the app for about 6 months now and I’ve bought some big things, and some small things. Great reminder service. I would high recommend as of right now.",5,So far so good,
The Ponyman,FALSE,6/1/2018 14:23,"This level of credit is great, easy to use an you set your payments. It allows you to get the parts you need an pay over time. It’s better than a credit card, you know what amount an how much Your paying back up front. I Love It.",4,Affirm rating,
shaheocskqfkd,FALSE,5/17/2021 16:15,"I used Affirm through Poshmark and tried to read every single detail in the small writing. Nowhere on the instructions did Affirm mention they were an “installment loan” and would show up on your credit report as so. This is extremely frustrating and disappointing as I have used other “buy now, pay later” services that are simply monthly payments and don’t ruin credit. FYI AFFIRM, PUT A BANNER NEXT TIME PLEASE. I’m irritated.",1,LOWERS CREDIT,
Amarlia,FALSE,3/4/2021 15:10,"Very happy with the service and option to stretch payments out. I purchased laptops, cellphones etc with Affirm with ease and cost of doing a short term loan is way cheaper than putting a purchase on a Credit Card.",5,Love this company,
DisenchantedBabe,FALSE,3/17/2021 10:30,"Used them twice, everything was perfect and paid early and/or on time.

Now, out of nowhere, they cannot verify my identity and will not lend me anything. No one available to escalate this matter to as its all done online. Misinformation often given.

Sad to see since they’re the ones leading this third party payment game in terms of most stores available.",2,Non-transparency with denials.,
Action_j1067,FALSE,2/23/2021 11:55,"It’s really nice to be able to pay from your phone at any time or day. Also the auto payment option is awesome as well!

The Solution",5,Very Convenient,
euphoria one,FALSE,1/30/2021 15:43,Very helpful when thingsBreak down  unexpected Wish they had a easier format for tracking your products but other than that I’m satisfied,5,Easy To process,
RetiredGun,FALSE,1/21/2021 19:10,"Until they restore a business relationship with MyPillow, I refuse to make purchases through Affirm. This “Cancel Culture” crap has to stop now or people like me will be forced to retaliate by taking OUR BUSINESS elsewhere. 
Wise up.",5,Great app. Great service. Terrible People Managing,
Tiffanycan,FALSE,12/31/2020 18:55,"Extremely unhappy with the overall quality of the beds they are not even paid fully only 6 months in and already falling apart. The box came with 200 pieces, terrible instructions and payment system way overpriced. In the end I paid $100 extra on a $300 purchase. If you want to purchase from Wayfair pay it off do not get a loan like we did. 
I don’t blame affirm however what a way to make money 👍",1,Terrible quality,
Cibda Lu,FALSE,7/22/2020 2:27,"Super satisfied with Affirm, I was able to make purchases that I wouldn’t otherwise have been able to make because of Affirm. App is easy to use and I am an extremely satisfied customer! Thanks Affirm!",5,Very happy,
Tonya0801,FALSE,10/23/2020 5:08,"NEVER SHOP AT 1Stop Bedrooms 
I order from them and my order was $1200
I canceled the order 2 days later, it was shipped and had not been verified! They charged me a restocking fee of $700 something dollars that I’m paying so my credit isn’t ruined! I made a complaint with affirm and also asked them not to fund the transaction before it went on my account and I was still charged! I filed a complaint with the FTC& this is robbery!",1,I’m literally paying for nothing!,
Toine po,FALSE,9/14/2020 0:05,I would them 5stars they didn’t mention that it shows up on your credit report which I looked before using. I wouldn’t have used this had I known they report to the major credit bureau until I missed payments. Seeing three consumer loans on my Experian report came a shock two months later. This should be disclosed outright!!!,2,Good app But does not disclose credit reporting,"{'id': 18084057, 'body': ""Hi! We're sorry to hear to your recent experience with Affirm was less than stellar. At the time of applying you will be prompted with our terms and conditions before accepting your purchase using Affirm. We currently report loan and payment activity to Experian on a monthly basis and plan to report to other credit bureaus in the future. To learn more, please email help@affirm.com. "", 'modified': '2020-09-24T21:18:43Z'}"
Cici_loves_yooh,FALSE,8/13/2020 23:54,I’m sure Affirm is great.... if it works. I tried making an account and IMMEDIATELY said that it could not verify my identity...really? I gave all my exact information and my identity can’t be verified? Had to call the company to ask and they basically told me that once that happens it’s a final decision and that i’ll most like NEVER be able to make an account. It’s absolutely ridiculous and i’m sure they lose a lot of customers from this.,1,COULD GIVE ZERO STARS IF POSSIBLE!!!,
cherrybomb821,FALSE,5/19/2020 17:58,Thanks affirm for making it possible to buy the things I want and be able to pay overtime. A lot of regular people can’t go and splurge on items but thanks to you it’s easier.,5,Thanks,
Kiwi1245,FALSE,6/13/2020 18:15,"I use to love this app. For some reason I’m getting denied for everything. No credit score change, no new loans and I’ve always made my payments early on affirm and now I’m being denied. It makes no sense at all. So, I’m disappointed ted because I’ve spent a ton of money within this app. They are loosing out on a great client. It’s pretty sad",3,Use to love this app,
badbusinessbureau,FALSE,6/1/2020 21:48,"I’ve been paying for a loan on auto pay.   After 6 months, Affirm has an issue with my payment.   My bank states there are no issues with my card.   Affirm states that there are only 2 ways to pay.   Debit Card and Banking account.    I researched Affirm on the internet and didn’t see anything of value in regards to Affirm.   Their website is sketchy at best.   I will pay off my loan to it’s entirety as I question it’s authenticity.   Buyers beware",1,Loan payment declined,
Maiya!,FALSE,5/18/2020 1:46,They offer amazing customer service even during the pandemic. I would continue to use them time and time again. Kind and quick responses when needed!,5,Amazing!,
sassyshopping,FALSE,5/7/2020 8:21,"Although I carry a lot of different cards for my regular purchases, when it comes to purchasing more expensive items I use Affirm app. Easy and intuitive.",5,Great app for purchases,
keys1537,FALSE,3/12/2020 23:27,"Experiences with affirm and related products/services are consistently qualitatively excellent...exceeds expectations and the value-added is progressive.  The products/services are exemplary with respect to precision....continually impressed and appreciative for opportunities provided, including the connection established and maintained.  Of the best in 21st Century business.",5,Best!,
Rachel Antrim,FALSE,3/12/2020 23:09,I don’t have great credit at this moment but I do have a good paying job and can afford more than my credit suggests. Affirm allows me to buy in bulk and pay off slowly. I’m in love!,5,Extremely impressed,
Suave Shav,FALSE,1/31/2020 19:10,"I love being able to buy what I need/want and break it up into as many as 12 payments.  The interest is high, but that’s the cost for the convenience. Thanks Affimed!",5,Always there when I need you!,
Rubby22,FALSE,1/31/2020 13:40,"I’ve been able to do so much with this company. Whether it was pay for vacations or pay for some prescription glasses. App is user friendly and gives you every detail. Thanks, Affirm.",5,This app. This company.,
Becca1956,FALSE,1/10/2020 3:00,"Affirm is so Very easy to use,  I have been using their services for about a year, And, WOW!!! They are easy to work with, and even though it’s an online service, they are easy to get to an Actual, Real Person, this is an Awesome Company",5,Awesome!!,
csogao,FALSE,1/3/2020 11:58,I had never heard of this app until I made a purchase for Christmas. It was easy to set up and no catches or surprise fees. It helped me out a lot! Will definitely use again and have recommended to others!,5,Love it!,
Millypants,FALSE,12/30/2019 18:46,"Affirm has been simple to use! Interest is low, you can pick payment plans that work for you. Only wish more retail had this as a choice for larger purchases!",5,Simple to use!,
Brw eyed beauty ,FALSE,12/20/2019 1:37,I love the fact that I can use this to buy certain things that I don’t have the funds for right away. It’s very convenient! Have used this for multiple purchases and I am qualified for 3 grand! That’s fabulous lol,5,Great company,
mb0213,FALSE,11/9/2019 6:45,I have OK Credit but bad marks that do not allow me to get some things I want/need. Affirm helped with that and my Employment search! With there help it makes this easier with little interest as well. Thank you!,5,Thank You,
Srt363,FALSE,10/25/2019 18:25,"So happy I decided to use Affirm and this easy app helps me plenty with my loans. Before affirm I had such a hard  time getting approved for any type of loans-Now I’m a loyal customer and have always had great customer service from them!
-Santiago Torres-Ochoa",5,Awesome!,
MS.Rita,FALSE,11/3/2019 18:23,"While I’m very grateful for the Account, I am disappointed 😔 that I can’t change the payment date to the Date I receive Funds each month! Also my Credit Union information ℹ️ is not compatible with Affirm! So I can’t prequalified other purchases! 😔",4,Affirm,
Melrob 78158,FALSE,9/30/2019 17:33,Horrible customer service. This company charged my account twice in one day and when I tried to contact them for a refund. No one will respond to me.,5,Poor customer service,
My nickname 1,FALSE,10/23/2019 2:45,I finally decided to use the affirm credit card (Apple Pay)  for my in store purchase.  I had to call affirm because the transaction was denied multiple times.  I had to call and was told they are having upgrade issues.  It took an hour before it was finally approved.,3,Server issues,
A. Ing,FALSE,7/2/2019 14:11,I appreciate this company sooooo much. I just came back from my trip to Florida/Disney with my family. Will be using you again. You guys really give people a chance to do things they dream of on a budget. Thanks again Affirm.,5,How awesome is Affirm? Super Awesome!,
scg58,FALSE,6/16/2019 1:05,"We have had our Kingsize Dreamcloud bed since Feb 2019 and we have for the most part loved it.
My concern is that it is developing valleys
On both sides already. I thought this mattress is supposed to bounce back?
Stay firm and level?
I hope",5,Losing shape,
Rjordan198,FALSE,6/29/2019 14:09,"This  app is just what every app should be like, simple yet makes borrowing as easy as reaching in your pocket, allows YOU to set loan terms, and reminds you well in advance before payments are due, while allowing you to pay all or part of the amount due anytime.",4,Best App Out There,
Veiex56,FALSE,5/19/2019 8:44,Literally takes 5 seconds to check the amount you’re approved for and it’s super easy. No crazy Interest amount and the payments are easily manageable. Have used it and so far love it,5,Simple and Easy!,
Thankful 2019,FALSE,5/1/2019 14:29,I needed to buy my trip tickets in a hurry.. I tried to use PayPal and didn’t work.. tried this option and got a resolution in minutes .. the interest charge is worth it .. thanks for the help,5,Great and quick resolution,
Not Madonna,FALSE,4/30/2019 2:14,"I love this idea. Perfect for those times when using a large chunk of your budget doesn’t make sense, but you need (or want) something that will improve your life or business.",5,My own private banker,
Creatively Organizational,FALSE,3/19/2019 22:49,"Affirm has helped me immediate payment on necessary repair services for me home.  I hope to quAlify to accept it as a viable and helpful person payment option for my small business.  I recommend Affirm and it’s clever, easy accessible APP!",5,Excellent!,
bigscrun,FALSE,2/22/2019 19:14,Affirm is a great way to make internet purchases and stay safe. I love being able to make bigger purchases and paying the loan off quickly or pay over time.,5,Great way to pay,
sasha kolosov,FALSE,2/15/2019 1:49,"I came across Affirm by accident when picking out my truck cover, now I use their mobile app it’s like having an extra credit card without the hassle",5,Got me approved in minutes,
pitbull9791,FALSE,2/18/2019 4:08,I have all the means in the world to repay it I’m only trying to improve my credit with a loan. I been battling this for three years after my identity was stolen and I found out I had a credit card and activity on it an I had never even considered a credit card. I just can’t fetch a break but that’s good my business on my website merchant account is drawing about 10K a month and there lose. They loosing a life time of making money with me.,1,Unfair,
Liddomisschichi💋,FALSE,1/4/2019 19:23,No hidden fees no late fees everything is basically black and white. I love affirm I’ve bought countless things I think it amazing how they give you a virtual card for almost about anything you will not regret downloading the app believe me super secure and fast !,5,ABSOLUTELY AMAZING,
Ray M Jr,FALSE,12/18/2018 13:26,App won’t take me straight to my account.  It makes you re enter everything each time.  Also dumb asking you to guess a nickname that isn’t taken with no options so you are blind guessing.,5,Disapproval,
bandhd,FALSE,11/20/2018 11:41,Their app makes getting a loan the easiest I have ever done. Really nice when you need something and don’t want to max out a credit card. I wish I could give it 10 stars.,5,Great app even better loan service,
Norrisjt,FALSE,11/12/2018 22:07,The app makes your loan need simple and easy to deal with. Easy to see where you are in the loan easy to pay whether it’s auto pay for just you pay yourself monthly,5,Works as advertised,
J. Clout,FALSE,11/7/2018 22:41,"With affirm, I was able to get the RC truck I’ve always wanted but never could save enough money all at once for. Because I got that truck, I was able to race it and make myself rich with joy. Thank you affirm",5,Affirm saved my life,
TracyTontheMic,FALSE,9/24/2018 5:14,"Love this app. Easy to see your loan payments, loan balance and make a payment. I wish they were all this good! You don’t need to know where you stand with your payoff or payments as it’s all right there!",5,Easy Interface!,
Clovelacelady,FALSE,9/19/2018 20:53,"I wish more retailers offered this type of service. It was easy to sign up, their policies are very transparent, and paying down my loan was quick and easy. Would use again.",5,Great service,
A.G94,FALSE,9/7/2018 15:37,I love affirm . I can buy my things and pay them back when it’s time . I’ve never been denied . If you keep your word in paying them back they’ll keep theirs in giving you the funds you need at the time,5,AFFIRM,
N3728,FALSE,8/27/2018 15:48,Even with bad credit I qualified. The interest is not very high compared to some places. The payments are affordable and as you make payments your available credit goes up. The app is very easy to use.,5,Affirm is great!!!,
Dcboozer,FALSE,8/24/2018 15:22,"Very easy to use. Pretty easy to set up and get excepted for a loan, and very easy to keep track of your loans and payments. You can pay more than the minimum (which I’m a fan of)
And the app is very quick responding.",5,Very impressed,
Preziuso,FALSE,8/12/2018 0:29,"This app is amazing one of the best they give you a temporary card if that is what you need you can add it to your Apple wallet and use it as Apple Pay , or even use it directly with certain websites would definitely recommend!!!",5,Best Instant Loan App !!,
carnut23,FALSE,8/1/2018 2:05,Love the idea nice when you can’t afford a large item at once and you can buy it for a low monthly payment that is taken from your checking account and not hardly noticed,5,Great company,
Thaperfective,FALSE,7/23/2018 8:39,"Very easy and upfront love it!!!!! I’ve used affirm to purchase my drone, motorcycle gear and high speed tires for my motorcycle! Let my choose the different payment options which allowed me to purchase a higher quality product",5,Nice and simple,
Scrub One,FALSE,6/1/2018 0:57,Easy to navigate and like being able to see balance and payment amounts along with due date. Would rather use this than a credit card.,5,Affirm App,
Veirpiecrs,FALSE,5/24/2018 18:28,"Very fast delivery, variety of tires that I can not find around me. And have I mentioned fast, 2 days max for me.",5,"AWESOME, finally an app that doesn’t have you going from page to page before you can pay your bill.",
Damiang 510,FALSE,5/16/2018 17:08,Affirm is a great app. I’m 18 years old trying to build credit and Affirm has helped by allowing me to finance things that aren’t so expensive but expensive enough to finance instead! App layout is nice and sleek too. Always updates.,5,Great app,
Gabby Juice,FALSE,5/12/2018 19:04,So many merchants you can setup payment plans for electronics and other things! Came in handy for the holidays and I can get the updated items just got my new iPhone and 2 iPads! No complaints,5,Convenient I absolutely love it!,
Levans1966,FALSE,3/14/2018 5:15,We had to replace a cheap won’t mention name pool and didn’t know what we were gonna do! Affirm gave us breathing room! Approved quickly and now our new pool is coming! Whole process was so easy and affordable! A big thank you to affirm!!,5,Peace of mind!,
Kruisin4Christ,FALSE,4/5/2021 8:03,Great service that allows you to get those items you can’t immediately afford with no interest if paid in a year!,5,Great service!,
christydwinstead,FALSE,4/18/2021 12:52,I have tried to add and pay several different ways and it come back every payment is declined. There is money in every account I tried to use with no avail.   I tried to contact customer service and there is zero ways to contact them for this problem. It’s pure ignorance you don’t have a phone number or a general area to submit a concern. This was my first and last time using this program.,1,Ignorance,
Mango0612,FALSE,3/8/2021 21:00,Affirm it’s companies like you that help people like me to get the things they need with affordable payments. It also helps your credit score. I’ve used them twice so far . Thank you affirm,5,Good choice,
pixLuna,FALSE,2/1/2021 17:00,Seems like there’s a lot of companies that are doing with the Affirm is doing. However I really love the quickness of finding out How much I can spend and using the app to track my payments and pay.,5,I love Affirm,
TKabc123,FALSE,5/30/2020 18:21,"I love making payments through this app. I wish all my bills were paid this way, it couldn’t be any easier or more convenient. Love it!",5,Couldn’t be easier,
Seah873,FALSE,7/6/2020 20:44,"This app is very frustrating to deal with. I was directed to sign up for a “virtual card” via the app. When doing a search for doing that, nothing comes up. It only provides results telling you what a card is and how to cancel it. I tried calling the customer service THREE TIMES and was disconnected every time (after wasting my time explaining, and re-explaining, the situation). Very poor customer service and app.",1,Horrible experience,
ABBlessed,FALSE,2/28/2020 0:04,"This account has save me from stress when thing broke unexpectedly. However, Business procedure change. When I first start and paid off early interest was add as l went, so I was able to save on interest. This time when I made my first payment it took all the interest up front.",3,Great for Needs,
Davngr,FALSE,5/13/2020 14:42,"I used affirm for a couple years without any issue; then, I decide I didn’t want an item and returned it. Now the algorithm hates me.

From that point on I was never approved to make another purchase again. When I call in to customer service I get a bunch of useless blah blah; basically, this app is ran by an algorithm and no one is willing/able to adjust for possible glitches in the process.       

In one word, asinine.",1,It works until it doesn’t,
Twholey44,FALSE,3/21/2020 4:08,"This app and company was great at first, I got a new set of wheels and tires for my car with no issues at all. Total was about $1500, paid it off about 6 months before my due date, again no issues. Recently go to try and purchase a new helmet, face shield and Bluetooth headset for the helmet, total of about $500, and they say I cannot be approved because I don’t make enough money!?",2,Confused,
Pro-Traveller,FALSE,3/10/2020 15:39,"Sure they’ll pre-approve you, BUT when you go to utilize the funds all of a sudden you “can’t be approved for this purchase”. I have perfect credit and this is the SECOND time to use Affirm and this is the second time I ran into this issue.  First time I thought it a fluke, I called affirm and got things worked out and received the funding (which has been paid in full).   Now it’s the same story again.... what’s up Affirm?",1,Promises but DOESN’T deliver,
Brosenberg1985,FALSE,1/16/2020 20:40,Have been trying to purchase something. No human to call or ask questions. Hopefully the problem gets fixed,5,?,"{'id': 12982475, 'body': 'Hi there! Thank you for reviewing Affirm on the App Store. We apologize you were unable to connect with our team. For general questions and answers about how Affirm works, please visit the Affirm Help center: https://bit.ly/2JqC2e3. If you’re unable to find the answers you’re looking for, send us an email to help@affirm.com. We look forward to helping you! -The Affirm Care Team', 'modified': '2020-01-17T23:42:35Z'}"
Nick Hanes,FALSE,1/11/2020 2:14,Affirm is the easiest app to use and the best short term loan service that I have found.  Very straight forward and I have never had any issues with billing or overcharging as some other services seem to do.,5,Great experience!,
Seishoffmans,FALSE,1/9/2020 17:05,Rates are no worse than those for average credit. Process is simple and accounts are easy to manage.  Customer service is top notch.  ZERO complaints!,5,"Easy Money, fair terms, simple to manage",
Packers!!,FALSE,11/22/2019 23:29,Love this option and the fact that they break down purchases along with payment due date and amount!!,5,Great way to pay,
shavonned.,FALSE,10/28/2019 12:34,"I recently made a purchase for my son and it has been a wonderful experience, they make the purchasing options effortless and straightforward, I love affirm and the app is so easy to navigate.",5,Just in time for the Holidays,
Mrf104,FALSE,10/27/2019 17:44,Super easy to use. It can create a cc number for you if the merchant doesn’t have them listed as a finance option. Track your loans and pay on the app. Nothing to it!,5,Straight forward,
sirdiver,FALSE,8/23/2019 20:51,How could you ask for anything better I get nothing but great service great customer service and easy bill pay I love it,5,How could you ask for anything better,
Probowler 357,FALSE,10/21/2019 18:59,I have used this app in the past.  It has served me well.  However it bounced back two monthly installments for Sept and Oct with auto pay activated causing an overdue notice to appear in an email.  This also cost me $75 in return fees as well.  Yes the money is still in the account for payment.,3,A great way to make purchases for items wanted.,
Meyandrea,FALSE,8/5/2019 4:59,"I love this app anything I want and can’t afford it all at the said time that it’s needed for, this app had given me the opportunity to concur what need to get done immediately and save!! ESPECIALLY for flights. I will forever recommend",5,SUPER APP is an understatement,
macgyver industries llc,FALSE,7/24/2019 1:41,We were able to order items needed for our small business that we otherwise could not afford.  Thank you Affirm!!,5,Helped greatly,
Ash_grass_cash,FALSE,7/11/2019 16:46,Was able to purchase an emergency ticket with no problem. 3 easy payments. I paid early and saved money on interest. This motivated me to get my credit up and got approved for my banks credit card !!!,5,Life Saver,
revidffum,FALSE,7/10/2019 22:48,"I have had two loans with Hayneedle & loan co. Affirm, they couldn’t be any better, with customer service. I look forward to working with them again soon, I’ve just purchased a new home. I’m so excited to add new furniture, thanks",5,Robert Sasser,
broadwaynap,FALSE,6/16/2019 23:09,Not only does it help my credit it helps me keep tabs on my purchases I paid early every month but it’s nice to know that if I forget the auto pay takes care of it,5,Love it,
BethHJ,FALSE,6/14/2019 17:59,I’m so happy to have found Affirm! SO easy to pay and get approved and the interest is better than my credit card! I will definitely continue to use!,5,Great option to pay!,
AshaleeT,FALSE,6/14/2019 14:06,Affirm makes it incredible easy to pay your bills & breaks down all the information you need to know! Will definitely purchase through them again!🤩,5,Stellar App!,
Mrsmazda3,FALSE,6/1/2019 1:17,Anything you need you can like get it and pay for it and then get the next thing. This is Amazing. You should have more sites for Women clothes and shoes. How do you find all the companies that use Affirm?,5,Outstanding!!,
LawDawg3620,FALSE,5/29/2019 0:12,Great app and awesome loans. Allows you to purchase items and gives you several payment options. The interest is a tad high. Just know it will help you with improving your credit history.,5,Love the App.,
lymmo,FALSE,5/18/2019 16:16,This is my third time using Affirm and love the ease of my online purchases and payment options. I can recommend Affirm to my family and friends because of the no hassle experience!!!,5,Affirm great experience 😊,
mscheuerman,FALSE,3/23/2019 15:33,I love this app. My husband and I both use it. Only advice is dont get carried away with how many times you use it at once. The payments per month add up. But if you use it once then pay it off it works very nice,5,Great great great,
thewatsonizer,FALSE,3/19/2019 14:22,"It’s an excellent user friendly app . Potentially helping to rebuild some people’s credit score, providing payments being made on time . I really enjoy and look forward to even more establishments accepting affirm payments",5,Greatness,
JER-M,FALSE,2/26/2019 15:55,I have really enjoyed using affirm for purchases I need right away and can pay-off little as I go. I would recommend this app to my friends and family.,5,Quick and Easy,
Mrs. K. Anderson,FALSE,2/7/2019 3:54,It is so convenient not to have to go inside to finance or purchase items. I can order and pay of items directly from my phone and the comfort of my home!!,5,Great way to finance items!,
lisasimone90,FALSE,2/5/2019 0:03,I am absolutely digging the Affirm app. My boyfriend has been using it for some time now and swears by it. I recently made my first purchase and everything went smooth. I will definitely be using Affirm again.  ✌️❤️,5,Love it!,
Tito@9801,FALSE,1/19/2019 15:37,"Whatever the product, or occasion may be. You can have it with easy payments through out a whole year. Interest isn’t a problem for how flexible the payment plan is.",5,Best money app ever,
Jdevildog22,FALSE,12/26/2018 22:48,This app is pretty cool it allow me to keep up with my store loan and make payment on time and also allow me to see my limit. Which is pretty help specially when trying to pick out the this you need or want.,5,Pretty cool,
Txzboss,FALSE,12/20/2018 13:24,"It was a big help knowing I could afford to purchase a necessity , and be able to make easy payments with no hassle .I Definitely recommend this app and company to all my family and friends",5,Peace of mind,
Zedsubuu,FALSE,12/20/2018 3:50,"I’m new to the world of credit and credit score, us new generation usually have difficult time getting approved for credit but affirm helped me kick start my score and help me finance with no hidden fees!.",5,Starting out,
Arturphotos,FALSE,11/11/2018 16:28,"I tried several times to access the app using the cellphone connection and never worked.
Works only when its Wifi connected",5,Works only with WiFi,
Mike Nice 29,FALSE,11/9/2018 0:41,"Definitely the best app ever. No matter where you shop they have a card for you!

I love this app and it’s so convenient how it works. 

You see something, you get approved and within seconds you’re good to go!",5,Worth it!,
LizJ92106,FALSE,10/26/2018 16:41,The whole purchase was smooth and I was able to pay off the balance sooner than I anticipated!  I’d definitely use this app again!,5,Start to finish a smooth transaction!,
Shawnd1992,FALSE,10/24/2018 11:03,Awesome app and company. Works when I need it. Only suggestion would be able to edit your minimum payment amount. I like paying more than the minimum so that would be convenient.,5,Affirm,
chuychucho1212,FALSE,10/17/2018 7:53,The best app for quick credit I had a little problem with FedEx call customer service about it and you guys was able to take care of it I really like this credit company,5,Review,
mayditnoy,FALSE,10/9/2018 2:01,"Great App! Must be careful how you use the app though! It is very tempting to finance everything must make sure you can make all the payments. Other than that, there are no hidden fees just interest, not the lowest, but that’s the price to finance.",5,Great App for financing,
Faucet,FALSE,10/4/2018 1:11,"It’s an amazing app, that allows you to buy things, pay them off quickly, without much interest.  I am in love with it, use it all the time, and will continue too.  It’s so fast and easy, I just love it.",5,Fabulous,
KikiG91,FALSE,9/17/2018 13:20,Love the app! Easy to use and it really does boost your credit score! I always pay back early but it’s easy and fast and have actually help decrease my other debt because I haven’t used my credit cards at all!,5,Easy Peasy,
ichigo_pow,FALSE,9/4/2018 12:15,I discovered Affirm after the MacBook I use for school crashed and I had to purchase a new one ASAP. It was super simple to sign up and I got the exact model I wanted. The app makes everything else just as simple and easy.,5,Wow! What a lifesaver,
dbf5488,FALSE,8/28/2018 1:22,Best way to get things quickly and turn around pay off the balance very little interest paid in and your all set to redo your next loan needs whenever they come about!,5,Best ever,
Slot ruler,FALSE,8/12/2018 17:04,I pay my payment through the app every month. So easy to use. I can always check to see if I qualify for another loan through the app at anytime. Highly recommend.,5,Simple to use,
Addisonplaceone,FALSE,8/4/2018 22:37,"I jut wish we can use it to do transfer to bank account  , it will be amazing 
But so far i been using this app for 3 years and i love it 
The fact that it doesnt appears in you credit score , is amazing",5,This is the best !!,
mongo monger,FALSE,7/20/2018 14:48,"A convenient service for quick credit, but the App itself is poorly designed.   Login info dropped, keeps treating me like a new user until fully logged in.  Lots of advertising just to check a balance.  “Enter” button during data login is unintuitive tiny arrow back at the top of screen....",3,Nice service bad app,
belikeike,FALSE,7/17/2018 18:39,"Honestly, it’s just a great product/service.
• Uncomplicated 
• I don’t feel judged or restricted as I do with other lines of credit.
• The generosity of the their approvals and easy interface of the App/Site make want to pay on time!",5,Clutch,
Stop2Shop,FALSE,6/14/2018 6:41,"Awesome and convenient! Saves me so much time when i want to pay or view my loan details! Plus you are able to see instant pre-approval
Amount!",5,Easy to use! Added security! Able to see loan info and details!,
Mskikish,FALSE,6/14/2018 6:24,I have used them twice so far and it has not disappointed. I believe everyone’s experience will be different based on payoff and amounts. I saw it reported to my Experian credit report as a positive so that helps. Love it!!,5,Positive experience,
Michael17xxawesome92,FALSE,6/2/2018 21:25,It's really hassle free and I love how up front it is. I also like that you can choose a loan term for as short as three months or up to a whole year while it clearly spells out just how much it's going to cost you. Worth it to me!,5,Perfect in a pinch!,
"Cj Buffalo, Ny",FALSE,5/5/2018 22:35,"Awesome app, easy to pay online and payments are deducted immediately using a debit card but a couple days using your checking. Affirm is just out right awesome in all aspects...  Thanks Affirm for financing me when no one else would!",5,Great!,
katiehatt,FALSE,9/27/2017 18:38,Makes my life so much easier. Everything is very well outlined and secure. I don't mind paying interest to a company that provides such a great service! Can't wait to make some more purchases.,5,So glad I found Affirm,
Cristycreme,FALSE,9/22/2017 14:02,I couldn't believe I could pay my Family Trip to Canada for Christmas!! I paid it off early and now thinking of a new trip with my family to go on. This is so convenient and easy to use!,5,Trip to Canada!!,
esclaba Isaura,FALSE,5/25/2021 17:24,I love that they give you the chance to pay with small installments or pay a little more or a little less whenever is convenient to you.,5,Flexible,
spwalls,FALSE,5/14/2021 0:16,On my fourth product through affirm and I love it!  I’m not great at saving money and I like some items that I wouldn’t be able to get with your saving for years.  Love the convenient system and app!  Thank you affirm!!!,5,Love affirm,
tbravo35,FALSE,4/30/2021 15:12,Made payment easy the app is very easy to use and you save on your purchases on hotel stay I used to book a hotel and I saved it is great,5,Make payment and save on purchase,
thooterville,FALSE,3/22/2021 20:10,"In comparison to the other Buy Now, Pay Later apps, Affirm is straight forward and easy to work with. Additionally, there’s a larger variety of stores to choose from!",5,Easy Access!,
Lulu_Encarnacion,FALSE,3/23/2021 18:38,"I do not like the fact that you can’t talk to anyone for customer service! It takes them forever to resolve $ issues.
I made a purchase and the downpayment was almost the entire purchase. The most expensive item was not available and the retailer canceled the purchase. They notified affirm on 3/13 and today 3/23 I have not received refund.
Unacceptable!",1,Shopping is easy! Trying to talk to someone or a refund is impossible!,
Dhdfjt,FALSE,3/17/2021 11:58,This app is fantastic. Not only is it a blessing to be able to buy things and make payments on them later but it’s sooooo easy to use and you get approved so quick. I love it!!,5,Ease of Access,
Ryan Barrel,FALSE,2/19/2021 4:25,Since I’m letting my credit build so I can buy a house at the end of the year I’m not using any of my credit cards. Affirm is a great substitute to that allowing me to buy things I want without it popping up on my credit!,5,AWESOME SUBSTITUTE FOR CREDIT CARDS,
21~~¥,FALSE,3/15/2021 0:20,They approved me for 300 after I submitted my social so well I tried out small and well it was denied. So me being who I am I went big and they still denied sending an email stating my credit wasn’t good enough I understand it’s a Little rocky but I’m building it it’s no where close to what it has been so why approve of something just to turn around and shut it down smh 🤦🏻‍♂️ if only if only the woodchucker chucked wood,1,Approved then not approved,
lulabro18,FALSE,2/18/2021 16:08,Easy and affordable terms. Did not have to use my credit cards and take up my available credit balances as to not hurt or impact my credit score.,5,Easy affordable Terms,
GusGusGarcia,FALSE,2/13/2021 13:46,I’ve been using affirm for quite a while. Love this app. Helps makes purchases easier and for a big family paying over time makes sense.,5,Love this service,
backwoodzligitdonttakenoshit,FALSE,1/17/2021 18:35,"There is no question ever at the relationship these guys build for people supplying people with a line of credit to allow people like me to achieve and attain the things people need or want
Thank you Affirm",5,Great group of professionals,
Richardlaplant,FALSE,12/31/2020 12:56,"Very easy to use the app. Set up auto-pay, add extra money to pay off faster, or pay off in full and save on interest charges. If a dummy like me can use the app anyone can use it.",5,Very easy,
a_j_9_6,FALSE,12/15/2020 18:44,"My first time using the app it took maybe 1 minute to get through the entire process from an email reminder to pay, to the payment made.",5,Fast!,
TMaryP,FALSE,9/1/2020 14:53,This is convenient and definitely helps out in an emergency or when you do not want to add to your current credit card balances. Thanks!,5,Love this option!,
youlnowexactlywhothisis,FALSE,10/15/2020 13:36,I ordered a product from Walmart and only ordered one and I got one notification from affirm and payed it off and then I get another notification that another one was ordered and tried to contact Walmart and they said we have no idea where is this purchase came from and contacted affirm and they basically said they can’t help so I’m paying double for something I didn’t have control of. Thanks Affirm!,1,Screwed up with finances,
J dddif. H,FALSE,5/16/2020 0:15,Love the ease of getting approved and love the payment system. The text reminders are very helpful. Allowed me to get a very expensive Christmas item and splurge for myself and pay it off without interest!  Love that.,5,Great convenience,
Jim1093,FALSE,5/17/2020 1:43,I’ve been using Affirm for a few years for buying mustang parts. I just tried to add $500 to my existing account and was denied. I pay everything on time and generally early pay offs. Myself current credit rating is 783 and I make 6 figured in income. Embarrassing to be told I don’t make enough $ to add $500 to an existing affirm balance of $367. I just gave PayPal the business and paid off affirm. I will be closing the affirm account. Ridiculous!!!!,1,Bad decision,
Zuplonzinioski,FALSE,5/6/2020 1:28,"Software is super easy to use.  No issues with loading payment information, etc..  I will continue to use this program.",5,Too Easy.,
MsDannid23,FALSE,4/22/2020 20:50,I love Affim. Very easy and convenient. The app just makes making extra payments easier. I also love how there’s no penalty for paying the loan off early. I would and have highly recommended.,5,Great app Great service,
Clover082015,FALSE,4/19/2020 16:30,"I started using Affirm in August of 2019. I saw it as an option on a website I frequented. I tried it on something small and I was pleased with the outcome. I have used the app for everything from clothing, to travel! I love it!!!!",5,Love this App,
Kelly B3,FALSE,2/25/2020 17:53,Affirm has made it so easy to purchase items with multiple options for paying them off. It’s very easy to use and even easier to make payments!,5,I love this app,
Golfanyobe,FALSE,2/7/2020 18:18,"I love affirm. I have been able to utilize this system to purchase big/small home furnishing. It’s easy to set up your account, easy to purchase, and easy pay system. I love it and highly recommend.",5,Love!Love!Love!,
selibucaz,FALSE,2/1/2020 5:48,You know exactally how much intrest you’re going to pay on this and it forces you to payoff your debt in 1 year max.,5,"Better than a credit card, especially when using auto deduction",
stephfenelon,FALSE,1/31/2020 21:56,It definitely helps you build credit but give you the opportunity to buy what you want and pay it off in a short time period,5,Love this company!,
Feench,FALSE,1/16/2020 12:24,"Affirm has made making online purchases a breeze, but even more important to me is that it is safe and secure. The management sets the bar very high and I am always confident that i am dealing with the best in this creative niche. Thank you.",5,What a FANTASTIC company!,
Flycharisse,FALSE,1/21/2020 3:55,After making my online purchases and being approved for the Affirm credit line I decided to return my two big ticket items. Both were returned within the allotted time frame and I have yet to receive a credit for either. This took place on December 14th. Between Walmart and Affirm I’m not satisfied with any of the reasons for the credit not being applied to my account. I need answers and actions...ASAP,1,Where’s my refund?,"{'id': 13048062, 'body': ""Hi there, \n\nThank you for taking the time to review Affirm on the App Store. We're sorry for any inconvenience caused by your refund with Walmart. Our team will gladly look into the matter and follow up with a status of your refund amount. Connect with us at help@affirm.com or speak to our representatives at (855) 423-3729. Thank you!"", 'modified': '2020-01-21T22:29:06Z'}"
chefgaet,FALSE,1/2/2020 20:17,Very convenient . I was in a dentist office and the Dr. was very persistent to do the treatment and didn’t let me go . So  I tried using affirm to pay for my dentist and it approved so fast . I was very happy and will definitely recommend to anyone.,5,Very easy and fast approval,
Zetagirl388,FALSE,12/23/2019 18:29,"When I used this app it appeared as if I could only use a certain airlines~Spirit! Well I wish I could have went with a different airlines. 

In addition, when a increase is offered why is it for 7days?",5,Zetagirl388,
Burkawitz4997,FALSE,12/4/2019 20:22,Awesome app for buying stuff when you don’t have the up front money.  I’ve used it for big and small purchases and never been disappointed yet. Easy to use and set up. 👍,5,Affirm,
Mikev530,FALSE,11/24/2019 22:06,The Affirm App is easy to navigate and laid out perfectly!! This is hands down the best option if you need to break a big purchase into smaller payments. I’ll recommend Affirm to my friends and family!!,5,Awesome App,
Wooworld,FALSE,11/6/2019 10:49,I love that I can make small payments over time with very little interest. Without my credit taking a hit but it is reporting positively since I paid on time🥰,5,Love the easy payment options😍,
ElizabethFerguson,FALSE,11/3/2019 4:31,"Affirm is easy to use, thoughtful, simple, and so helpful! It has helped to finance several purchases that I couldn’t have made without the option to make small, monthly affordable payments.",5,A godsend!,
boydmama3,FALSE,10/9/2019 12:43,"Having a 3rd baby, I was struggling to get some last minute things. Affirm helped me by allowing me to pay over time. With flexible payment plans and low to no interest, I was saved. Thanks Affirm.",5,Convenient,
R. Bayouth,FALSE,9/26/2019 15:02,Love this payment option!! I have used affirm to buy my husband an armchair and then again to get him a ring for our anniversary!! Thank you Affirm!! We’re going to use you to buy our airplane tickets for vaca next spring!!👍,5,Love Affirm!!,
Holisticdestiny,FALSE,10/7/2019 2:15,"I’ve used this app to finance purchases on six occasions thus far. It can’t be used for things like utility bills or in-store purchases (although the app claims you can), but it’s convenient for shopping at online retailers. Recently, though, when I clicked the “get your estimate” button, I was instructed to choose my banking institution and input my account login credentials, which I’m not at all comfortable with. It was nice while it lasted.",1,Loved it until recently,
spothogg,FALSE,9/24/2019 13:43,Was fine but now it makes up some random note on why they can’t offer any more credit with no explanation??Theres other options..,5,Unreliable,
Qwentadrka,FALSE,8/12/2019 15:06,Love that you can easily make your payments. You can also check your status of payments and how much you will save if you were to pay the loan off early. I love it very much.,5,Amazing App. Amazing program,
bwphotodiva,FALSE,7/30/2019 13:34,Made it possible for me to get a camera I wanted that would have been out of my reach had I had to pay outright. Excellent reminder system when payments are due also.,5,Love Affirm!,
CH-Celina,FALSE,6/29/2019 2:59,I been using affirm for a a while and always is a good experience easy payments i don’t have a Nordstrom card or similar but I don’t need it I can buy anything I want with affirm thanks guys;),5,I’m very happy with my purchases,
hendoVg,FALSE,5/25/2019 18:16,Flexible payment options... No game no hassle. Bought my phone and iPad via this program.. Would do it again.. Good customer service. Great way to purchase without the extra baggage.,5,Real life changer,
Sasha_delavegaX,FALSE,6/24/2019 21:24,App wasn’t working correctly on my phone. I tried numerous of times even on a different phone. Wasn’t able to make an account. When I called they just said my info was declined didn’t say why just that they couldn’t verify my information but the app wasn’t letting me put in my information. Can’t say how good the app is just that my frustration and experience with it is  stressful.,1,Not sure who else went threw this,
Veronica60652,FALSE,5/24/2019 14:09,I keep using Affirm because the repayment terms are up front and clear. The app is user friendly and extremely simple to use. Making a payment is a breeze.,5,Repeat customer,
Assmanpounder,FALSE,5/22/2019 17:24,"This has been an awesome experience. It’s hard to have enough money up front to do some things. Affirm has made using their app a painless, easy and beneficial experience.",5,Making life easier,
Groovabe,FALSE,5/13/2019 3:08,Very easy way of paying for something with short term no interest payments.  You have the option to make smaller monthly payments with interest.,5,No interest short term payment plan,
Daddy828,FALSE,5/3/2019 14:19,Perfect site/app when you’re needing/wanting to purchase and don’t have the ALL the money instantly. Allows you to finance on your terms and no penalty for early payoffs. It’s really helped out in a jam.,5,Discovered this at the perfect time,
Devin Remillard,FALSE,4/21/2019 1:48,Didn't have good credit trying to get back on the horse and Affirm approved me. Then just recently got another one from Affirm. Will defiantly recommend if someones trying to get there credit back on track.,5,*****,
curec07,FALSE,4/17/2019 2:36,I got in accident and  my suspension got damage and i found this add that let me borrow the money to buy my suspension and pay every month or before and now I’m using this add every time I need car parts,5,It save my life,
Jimmy 587,FALSE,4/15/2019 18:07,Most of the time this is a better option than using a credit card. Flat monthly payments with great rates.,5,Better than a credit card!,
Joeburroughs,FALSE,4/5/2019 13:28,I have used this multiple times and must say it is easy and effective. Select your store and then request card for purchase and voilà. DONE,5,Great knowing this is always available,
...by Rich,FALSE,3/29/2019 3:23,I have made two purchases with Affirm and have enjoyed the process both times. It is easy to manage especially with the app.,5,My new credit card,
Sthefanie C.,FALSE,3/20/2019 11:37,"I am beyond happy with Affirm! This is a legitimate company that has helped me when I needed a loan for my business. Everything is easy to use, and no hidden fees. I will continue to use Affirm and recommend them to everyone!",5,Best loan service !,
Wamjratl,FALSE,3/14/2019 13:46,Affirm helps me make my family’s dreams come true!!  This is the  third time I’ve used them to book travel and they make it so easy to pay off quickly.  So we can all relax and enjoy our vacations!!,5,Suz,
mark k carpenter,FALSE,3/10/2019 12:32,"I like this loan very much ,it has helped me meany times in the past ,I own a business and have a hard time getting a loan because of my write offs ,just wish they had plans for larger purchases",5,Great help,
l8zer,FALSE,3/5/2019 12:39,Every time I have used Affirm their response has been very quick! I just wish more websites would accept them! Affirm does a fantastic job when quick credit is needed!,5,Affirm is fantastic!,
brian kautz,FALSE,2/26/2019 9:20,"Pleased don’t use affirm until there processing center is more efficient. Plus the customer service department run you in circles. 

Please stay away as for now:",5,Affirm could do a lot better. They are claiming that I own over $900,
Dowie Akreno,FALSE,2/10/2019 22:02,"This is a great alternative to shopping online. I really enjoy the app and how easy it is to use. Ask for your amount, wait a few secs, and pick your pay back options. That simple. Absolutely love this app!!!!",5,Great!!!,
CsrTRD,FALSE,2/9/2019 13:20,Such an easy process to purchase items you want and pay them off over time. Best part is the low interest and access to the app. Awesome 👍🏻,5,Best way to shop and freedom to pay over time,
TMD1115,FALSE,1/21/2019 17:13,First time using affirm and absolutely love the fact that they give you a chance to actually purchase something without a hassle will be using it again...... And again,5,Great exchange,
@dazzelme,FALSE,1/4/2019 2:14,This is one of the easiest and best ways to pay for so many things! I’m glad I found you and thankful that you approved me!! I will for sure use your credit for a long time to come!,5,Great Service,
JaneSnelle,FALSE,12/5/2018 23:47,I have been using Affirm for a little over two years now and I still love it. Really helps me with my big purchases that maybe I don’t want to spend all upfront,5,Makes life easier,
petermac,FALSE,11/24/2018 23:29,"When the full amount might catch you a little short, breaking it down to 3 equal payments makes it so much easier. Highly recommend!",5,Easy to use & no surprises!,
Rizzie Tubahs,FALSE,11/16/2018 8:55,This app allows you to purchase big items and and pay through monthly payments with 0% interest within a year. Great for wanting to buy a present around the holidays.,5,Get app!,
absolutely true,FALSE,10/20/2018 13:19,"Of all my many many apps this is by far the easiest most informative with interactive accessible data that allows me to pay and spend with simple touch of the finger.
My absolute most favorite app!",5,Best of best,
Linseyv,FALSE,9/20/2018 13:43,"Affirm enables me to travel, go to festivals and buy expensive essentials all with easy low monthly payments, without effecting my credit score. This is the most extraordinary alternative to credit cards. I couldn’t be happier!",5,Affirm is amazing!,
tribal counsel,FALSE,9/19/2018 23:53,"Great and great easy app to use, I like to searching for card or info works great when they don’t have an Apple Pay and just hit the button accept on your terms and purchase or not.....love using it",5,Affirmed this app !!!!,
Syringo81,FALSE,8/18/2018 10:59,I’ve used Affrim to buy a couple things and it works great! And even gives you a time line of when you’ll finish your pmts. Making a pmt is super easy and qualifying is super easy and quick.,5,Great app and company!,
Effcancer,FALSE,8/18/2018 5:26,"I love using affirm ! Better than credit cards , easy  up front loan details , easy to pay , love having the ability to use a virtual  card !",5,Better than credit cards,
Tx1240,FALSE,8/13/2018 19:29,Been buying items with this app for a while now. No problems at all. Loans are easy to pay up and are better than any other card out there.  Would recommend.,5,Great loan App!,
Kp12345670,FALSE,7/17/2018 15:42,"This app is very convenient and easy to use. The UI is simple and gets you just where you need to go with no added steps; whether its payments, new loans, etc. definitely recommend.",5,Super convenient!,
leavinareview,FALSE,6/25/2018 13:23,"Great app. I have done several loans through them, it’s fast easy and affordable monthly payments. Have recommended to family and friends and will continue to do so.",5,Affirm is a great alternative to credit cards,
ORLANDORIVERAJR,FALSE,6/17/2018 1:53,Super easy to use and make payments! And the fact that you can check if you qualify for a loan right there and get the virtual card all in one instance is outstanding! Extremely satisfied!,5,Easy use!,
Mandyhannan,FALSE,6/15/2018 3:19,"I have had NO troubles with this app or with Affirm. I am very pleased with the simplicity of use, the options within the app, the ability to pay things off promptly, and the communication with Affirm.",5,Great Payment Option and App!,
1 Vacation Lover,FALSE,6/14/2018 2:40,I use the service to book flights and accommodations. I like the new feature of knowing your available credit before applying.,5,User friendly,
lmwoodward28,FALSE,5/28/2018 17:49,They have allowed me purchases that would have otherwise been hard to budget. It is reliable and dependable and very straight forward. I will continue to use it! Thank you!,5,So grateful...,
Farmeremail,FALSE,5/24/2018 12:40,If you in a pinch and need something with easy payments this is for you can pay off early to. I have used several times.  I use again and again,5,Works good,
AlmaH91,FALSE,6/9/2021 8:24,I am happy this app exists! Love this app so much because it gives me the chance to split my payment in four and pay little by little without using my credit cards.,5,This app is so good!,
MsDeniseLuv,FALSE,4/26/2021 16:44,"Title says it all! Very easy to use.  Auto pay or remember yourself to pay. Interest or no interest, I just love it!! Looking forward to our future business together. 🤝🙌🎉",5,Wow I just love the payments options!!,
Maugie1,FALSE,4/11/2021 11:47,"If you need a few weeks to get your finances ready for a purchase, this is the way to go!!! I have used this multiple times, and Affirm has never let me down!",5,The Best!,
no happy mom,FALSE,3/18/2021 15:21,"I’ve been able to purchase things that’s I’ve wanted to with the help of affirm with their easy monthly payment plan, I will keep using it and highly recommend it 🙏🏼",5,So Grateful,
Bamabone52,FALSE,3/5/2021 16:46,I found affirm is the best way to purchase items you would like to have. It only takes one click. Thank you so much Affirm you are the best.,5,Outstanding service,
amilyana16677644677,FALSE,1/28/2021 16:10,I can’t seem to find a contact person. Phone or messaging.  Virtual is not working on an order and the Money was withdrawn from my bank. How do I even get a refund,5,Virtual card not working,
sjg452,FALSE,1/19/2021 18:51,I truly appreciate Affirm for allowing me to pay for my husband’s Lull mattress as much as how great the Lull mattress is.  I’m going to look at a “Purple” mattress for me now and finance with affirm also.  (We have a split king setup). Hope it’s as comfy as the Lull.  Thanks again!😁,5,Paying Lull Mattress with Affirm,
dvwhdheveb,FALSE,12/24/2020 10:53,I had pretty lousy credit when I first used affirm. I use it for stuff that I want that I just never seen to have the extra cash to buy! I would recommend this to anyone!,5,Looovveee,
Abbossy,FALSE,4/23/2020 12:30,"I used Affirm when moving apartments, and it was super easy to get approved for furniture I needed that I didn’t have sufficient cash for. I couldn’t recommend it enough!",5,Great when you don’t have the cash on hand,
windjznensn,FALSE,10/28/2020 16:05,"Every time affirm tells me I have a certain credit limit or a special offer on a low APR I always am always turned down or the special offer only applies if I finance something for 3 months... it’s always a let down and I wish they would be more up front about their services. Affirm is not a good option for financing anything, get a real loan from a real bank and you won’t end up with 30% APR.",1,Deceptive practices,
Durkeeturkey21,FALSE,10/19/2020 16:39,I’m trying to buy something from stockx and the payments are like $15 a month. The item isn’t to expensive but I’m trying to save a little bit of money right now. I have good credit yet they deny me for literally everything no matter what I try to get. It’s infuriating and I’m sick of trying to use affirm. After pay and other apps are so much better than affirm. I do not recommend using them,1,Denies me with good credit?,
NormanB25,FALSE,3/21/2020 1:59,"So far so good I’ve got so much using affirm I love how you pre qualify and get qualified so quickly, interest rate don’t seem bad to me and love the low monthly payments. Downside is I wish they had a refer a friend program to get referral benefits.",5,Loving it,
Neno-sobe,FALSE,1/19/2020 5:23,"I could achieve a little dream of purchasing a very good watch a Tag Heuer and I'm very happy that I could pay over time and I now own the watch, thanks Affirm and many others to come..... Thanks again",5,I’m just in love with AFFIRM,
Cheatingassgame,FALSE,12/31/2019 15:21,"Love having Affirm , for so many reasons. Paying over time is a great option for me and gives me a piece of mind knowing I don’t have to worry about paying a bill right at that moment.",5,Help so much,
Gary5419,TRUE,1/14/2020 10:54,"It’s convenient for making payments but no matter how many times I set up a passcode or use Touch to sign on, I have to set my passcode and Touch up each and every time I sign on. Every time!! I’m sure I’m setting it up correctly but it just won’t stay set up. I can live with that problem but it would be nice to use Touch for the convenience.",2,Changing my opinion,"{'id': 12894775, 'body': 'Hi there! Thank you for taking the time to review Affirm on the App Store. We apologize for any inconvenience this has created. Connect with our team for immediate assistance by writing to help@affirm.com or call us directly at (855) 423-3729. We look forward to assisting you! -The Affirm Care Team', 'modified': '2020-01-14T00:21:13Z'}"
myaffirm,FALSE,12/26/2019 1:43,Outstanding service. Easy transactions and the application is easy to use. I just hope many other business accept the form of payment with Affirm. Thank you affirm!,5,Comment,
MS MGT,FALSE,12/20/2019 18:20,Yes the process was easy and convenient! It allowed me to get what I wanted when the price was right! Making payment was fast and easy! Thank you!,5,Get it now fast and easy payment plan.,
Teamnandez,FALSE,12/18/2019 22:31,"This has been quite an easy way to finance my computer. The app is great and my interest was reasonable.
I also added a big screen tv and they gave me the money immediately! I love this!",5,Simple and feasible,
Old Shot Maker,FALSE,11/10/2019 4:44,First time user and most easy way to purchase products. Qualify online and take product home. Set up payments monthly with auto pay. Great way to buy!,5,Greatest way to pay!!,
Ima tycoon69,FALSE,11/4/2019 20:41,It made making monthly payment very easy and convenient.   They remind you a payment is approaching and you can pay it with a few clicks on your phone.,5,Affirm payment app,
kittykatt1031,FALSE,10/7/2019 4:15,Love the convenience of having anything accessible and being able to make payments on it and not having to worry about paying it all at once!,5,Love It!,
reddsofly,FALSE,10/29/2019 19:50,"It take up to 45 days to get a refund after u returned the merchandise due to severe damaging, but yet they still expect you to make payments for something you don’t have and of course for every payment you make while waiting on your first 45day refund it’s going to take additional 45 days for the refunds of those payments. Really ridiculous considering it don’t take 45days for affirm to take your money at time of purchase.",1,Thief’s,
Indiababe2NJ,FALSE,9/7/2019 7:28,"Some apps you just have to sit for few minutes or hours to learn your way around them but this one, THE BEST! Extremely easy and quick to manage.",5,Easy convenient app,
debthedirty❤️,FALSE,8/29/2019 9:29,Very easy to use shop now pay later and the interest fees is so much lower than your credit card . I definitely recommend everyone to check out Affirm app,5,Great app,
spoil357,FALSE,7/17/2019 22:51,Affirm makes it easy to get the parts you need and simply set up autopay and there’s no worries. As soon as I get my loan payed down I’ll be using it again for sure. Makes it easy for the working man to have an expensive hobby. Lol!! Thanks Affirm.,5,Awsome!!,
eat in bend,FALSE,7/25/2019 19:17,Purchased a couple of pieces of equipment for my health and they were kind enough to loan me the money which is the only way I can get by because everybody knows the cost of living is gone through the roof anyway great company definitely recommend it,4,Smooth sailing,
Kifemusic,FALSE,7/16/2019 12:14,"Especially like the “history” feature, which allows me to track past payments",5,User friendly,
Yaw26,FALSE,7/1/2019 23:28,Best commercial venture I’ve seen in a decade. Wow God bless the founders and originators of this idea and concept. It’s a blessing to young people like me who trying to travel the world and still save money! Will share with my family and friends.,5,Best thing i seen in a decade,
WallyWorldfan,FALSE,6/30/2019 22:50,"Just starting out with the app and have found it to be very user friendly. Makes suggestions, different options, etc. so easy to use!",5,Awesome and easy to use!,
Lisandra1,FALSE,4/11/2019 17:41,U guys R the best I’ve had taken vacation bought things with no high interest and paid it monthly thank u guys for giving me the option to get the things I need and vacation for with my family with no hassle I give u guys AAAA+++++,5,Rating,
sunshynesmile,FALSE,4/11/2019 14:52,"As in any payment app, there will always be a flaw in that people don’t always get paid on a certain date. But sometimes you get paid randomly on a weekly or monthly basis.",5,Affirm App,
jmvnoz,FALSE,4/5/2019 6:25,"I can now buy anything I want without paying for the whole thing at once, everything works smoothly and they don’t hide fees or anything. Highly recommend it.",5,Love it,
Wildmole,FALSE,3/26/2019 1:17,Affirm gave me credit to buy what I wanted when no place else would! It’s nice to know I have credit even when my credit report is less then perfect.  Thank you affirm!!!,5,Great opportunity,
Kandiibabe88,FALSE,3/23/2019 14:57,"This company is really awesome! Needed a furnace, and was able to pay it off in a year of time! They don’t even charge much interest. Definitely 5 stars",5,Would definitely recommend,
ssb8185,FALSE,3/2/2019 3:42,Quick easy. You can get temp cards to use anywhere! Payment are easy and they even send you a reminder so you’ll never forget when it’s time to pay!!,5,Love it,
JuanChainz,FALSE,2/15/2019 15:45,"Affirm cake in clutch as I had to get a new mattress when I was moving towns. I didn’t have a lot of money as a fresh college grad, but with affirm I was able to get the mattress I wanted and have the peace of mind about my finances.",5,Fast and transparent way to make loans.,
Plumber4Skinz,FALSE,2/2/2019 14:10,Ive been having issues with credit card debt but I will be a forever partner with affirm for all my needs and I hope that they will continue to work with me going forward 🙏,5,Affirm is amazing,
Gar13gar13,FALSE,1/28/2019 4:51,I had to buy some wheels and used affirm to pay them off at a more convenient time. Helped my credit too. Also getting approved was simple and easy.,5,Affirm easy payments,
Kym347,FALSE,1/21/2019 14:03,"Great app, easy to use, convenient, and if you happen to need to email them for any reason they will respond within a timely manner. If you haven’t tried Affirm what are you waiting on, go for it!!!",5,Awesome!!,
PurpleHaze209,FALSE,1/21/2019 13:32,This is the best ever it’s quick and easy to use plus has easy payback with auto pay number one app I go to for quick cash and easy handling for all my online and in store purchases,5,Best ever,
colorcreations0,FALSE,1/15/2019 20:45,If you don’t use account after a few months they will close your account. So it’s a notch on your credit inquiry for nothing,5,Closed account after payments,
84AnT48BiG!,FALSE,1/4/2019 8:21,Bought a new bed online and I’m able to make payments for the year without interest!!! What could be better? Love the app it’s easy to use and accurate with my bank.,5,Great Service!,
clow1014,FALSE,12/23/2018 7:19,Best thing you can use when you don’t have the full amount for a purchase available. Gives you a great way to buy things and pay in payments,5,Life saver,
Guesser man,FALSE,12/12/2018 19:17,Great app easy to use and understand one feature they might like to add is a pay-off button through a credit card as well as a debit card.,5,Easy to use great app!,
Greentea603,FALSE,12/2/2018 0:35,I love this loan program! I’ve been able to finance some things I’ve needed without breaking the bank every month. Affirm makes everything accessible on a budget.,5,Love this program!,
Packer76,FALSE,11/28/2018 22:54,By far the easiest financing app I’ve ever use. I was approved in 10 seconds and the rest is history. I would highly recommend it to anyone looking for good online buying experience with financing.,5,So simple!!,
Lisa-shopper,FALSE,11/26/2018 22:12,Simple and Easy to use. Keep up with your loan in an easy payment plan where you can check your payments history and see your loan balance directly from the Affirm App on your phone.,5,Lisa,
ChantelaTubby,FALSE,11/22/2018 9:54,"This app is great. Easy to use. Easy to make my payment or purchases. I have not used in a physical store, but haven’t had any issues shopping online. Would definitely recommend!",5,Love this app!!,
marcecontr,FALSE,11/20/2018 9:24,I love this app I like how your able to buy things you want without having to wait or pay for them right there and then. I recommend affirm to everyone you won’t be upset!,5,Awesome!!!!,
MovieStar F,FALSE,9/30/2018 4:03,LOVE LOVE LOVE this company! Such a great concept for Luxury Lovers to get what they want today and pay for it later! The app is easy to use and they remind you about your upcoming payments via email and text which is such a GREAT help with our busy lives!!,5,A Shopaholics Dream ⭐️,
Markman10,FALSE,9/15/2018 21:18,"Affirm is a great company. I have used them again and again. There is no company on the market that is better. it is simple, convenient and makes making purchases easy.",5,the best financial app!,
lovetoshop2018,FALSE,8/30/2018 17:11,Great way to be able to get those higher end items you have been wanting and able to make payments on them.,5,Love this service,
JayPalma,FALSE,8/25/2018 13:34,It brought an ease of mind to be able to for pay for a large bill item with this app as an option.,5,Convenient,
Jsmoov3,FALSE,6/4/2018 13:46,"Best app I have ever used, like the fact that it gives you the option to choose how many payments you would like to make instead of just telling you.",5,Awesome to use,
mvillafane,FALSE,5/31/2018 19:09,"Affirm makes it possible to make purchases and pay for them over the course of time.

Their app is easy to navigate through.  Making your payments and obtaining account status is a breeze.

Love, Love, Love!",5,Affirm is Awesome!,
Fitmoblove,FALSE,5/19/2018 6:05,Honestly it's so easy to use. A couple clicks and I have a card ready to go. So excited they have an app!  I'm really surprised by the other reviews I haven't had any issues with the app working on my I phone 6.,5,This is great!!!!,
Clacruz,FALSE,5/8/2018 18:48,"I love the payment remainder 3 days ahead,  how fast it is to get your airline tickets financed and the customer service for any reason you need to talk to them they are always available!!! Thank you Afirm!! This app is so easy to use.",5,Best app ever!!,
santhony7979,FALSE,5/7/2018 20:25,"I have used Affirm for several online purchases now, prequalify process is simple, virtual card and purchasing process is simple and more importantly, making payments are simple.",5,Affirm makes it simple!!!,
Drelle4,FALSE,5/7/2018 13:07,I use this app to buy from a lot of different stores. Payment on merchandise isn’t bad . The interest rates are reasonable. I pay everything down so I won’t have have to pay so much at the end.,5,Great,
juninkattie,FALSE,4/20/2021 5:20,Without affirm I could not have bought the jewelry I had been wishing for! Navigating the App is simple and is a convenient way to keep track of your payments! I will continue to use affirm!,5,HopeisReal,
_littleelaamb_,FALSE,5/19/2021 14:35,"Ive used affirm for quite some time now & getting approved for anything , is almost NEXT to impossible. They always say its not based on credit , ive had 100% on time payments / pay off waaaay early . 

They always tell me I cant be approved because they cant verify my identity, like whats the point of giving you my money for the rest of my “loans” if you can’t confirm its me or not lol",1,"Get concept, bad experience",
gregtaylor123,FALSE,3/8/2021 10:35,I’ve financed several items with Affirm. Never had any problems. Love the low monthly payment on the items my family needs. I highly recommend!,5,Love the Convenience,
MsWeb1,FALSE,3/5/2021 15:09,"I’ve been using this app since last summer. So thankful that someone created an app for us to shop in the middle of a pandemic, with limited funds! So easy to use, very fast to apply at checkout.",5,Love this!,
Chillyphyl,FALSE,1/9/2021 16:21,Hi I couldn’t have discovered this service at a better time for myself financially they have made things absolutely simple with no pressure and it about anything I’m glad I found them,5,Chillyphy,
Debzor808,FALSE,2/20/2021 23:03,I enjoyed affirm until they made it very clear they no longer wanted my business. I am paying off the loan I have with them from my pillow. It appears that they have decided to take a political stand that insults at least half of the American public. Companies like Affirm are what is dividing The American people. I no longer feel welcomed ... I’ll take my money where I as a customer will be appreciated and not discriminated against.,1,Rejected,
Danny2191741,FALSE,9/9/2020 5:06,"If is wasn’t for Affirm we never would have been able to see our daughter and son in law in Texas , what a great idea , fly now, pay later. Thank you Affirm for making this possible😀👍🏼😍",5,Texas trip,
Blake67,FALSE,11/16/2020 22:10,"Went to make a purchase at Walmart and the associate talked me through the process. He said it was pretty simple and I got to the last step. He said it usually printed a barcode that he could scan to complete the purchase, but then it just came up with a virtual card. Walmart doesn’t have ApplePay and and they can’t manually enter a card number, so the approval was worthless to me. I wish it could have worked.",1,Walmart barcode,
Nizmo12,FALSE,11/12/2020 19:01,"I purchased a gaming computer for my son using Affirm and had a great experience. Then used Affirm to make two more purchases with zero problems. I’ve paid every loan off and even early. Now I’m trying to use Affirm again and I’m getting a denial because I don’t have enough payment history, doesn’t make sense. Will not use anymore.",2,One confused customer,
ssjrpj,FALSE,6/11/2020 19:15,"Thank you, this has helped make our daughters dream come true. I have not been working do you COVID. I really appreciate you for giving us away to buy a crib and make the monthly payments.",5,Thank you,
Shame on u,FALSE,7/24/2020 3:10,Between the flawed prequalification process and the app that can’t keep u logged in idk how it’s possibly a 4.9 unless the reviews are 99% fake. Probably use the same facilities as FL for COVID testing to get such trustworthy reviews. Don’t even get me started on the customer service.  I’m never using affirm again for anything. One day I’m good to go. The next I can’t buy anything with them. I’ll stick to cash/debit from now on anyways.,1,4.9 out of 5? How?,
Hallums1,FALSE,6/23/2020 21:22,"I’ve had over 20 loans with Affirm. I’ve never missed a payment. Recently I paid off a few Affirm loans early, prior to paying off the loans, I was given a pre-approval amount every time I logged in. After paying off the loans they can no longer prequalify me due to payment history, so because I pay on time and early, I don’t rank high enough in their scoring system to be prequalified any longer.",1,Affirm Penalized Me For Paying Early,
unadikka,FALSE,6/9/2020 17:17,Love the app! The payment method works for me and the friendly reminders are so helpful. I will recommend this for anyone who would like to purchase something with reasonable payments!,5,Payment method works for me!,
iwelutoo,FALSE,5/17/2020 5:03,"I can't always get what I want. However since I found affirm I
Get easy payments, so that I can afford the little things that matter. Thank you for being so helpful.",5,Great way to shop,
JTallentE,FALSE,4/23/2020 20:47,Affirm has enabled me to afford air travel and was professional and helpful in my experience with them. I recommend their company and will use their services again. Thank you Jenny,5,Air travel,
Blakbot,FALSE,2/20/2020 22:55,Affirm helped me get a tv when  didn’t quite have the full amount to buy it outright and I’ve used it for a few other things but it has always been amazing,5,I love affirm,
ThomasTebo,FALSE,3/22/2020 0:27,The app works well. I’ve never had a bug or a problem. My only real gripe is that this company generally nags you at every turn to turn on auto pay. One time is sufficient. I don’t need to be asked after every single payment. Especially if I have multiple loans going on.,3,The app works well.,
KimmehK,FALSE,2/12/2020 18:53,"I love the app as it lets me review my various balances at a glance, and make extra payments when I can. It’s easy to log on, easy to navigate. I wish more apps were this user friendly",5,A Great Tool to use!,
Zmass122,FALSE,1/31/2020 19:15,I have bought so many things with this app and I will continue to do so it helps out a lot when your on a budget my first purchase was a gaming pc best decision I’ve made in my life,5,This app is amazing,
ecofriendlymoney,FALSE,1/19/2020 5:19,"Absolutely the best and most convenient app on the market. Super fast results and great reminders as to when your bill is due.
I will use them over and over again. The best ! AAA+",5,Eco friendly money,
CumSluts,FALSE,1/15/2020 13:53,"Have used a few times now, when they offer 0%. Easy to use, even sends you reminders so you never miss a payment. Definitely recommend.",5,This App is the best,
Not Happy with stuff,FALSE,1/3/2020 1:52,I thought the process to pay would be a big headache and take forever. Within a minute it was done and I made my first payment.,5,Easy to use,
fulltimebroke,FALSE,12/1/2019 23:08,Affirm is helping so much for the big ticket items I didn’t want to put the $ out for but the pay over time makes it so much easier to get the stuff I need,5,Helpful,
DrewBisk,FALSE,12/14/2019 4:35,"I was late on a payment because their app crashed so much I couldn’t pay it after trying several times. 

Now when I try to use this they deny me, saying I don’t have sufficient credit. Lol my credit score is high 700s. 

They charge interest when their competitors don’t. I likely will not be using affirm again, but I’ll tell you that if you do, just use auto pay cuz their app is buggy.",1,"Ehh, klarna is better","{'id': 12453882, 'body': ""Hi there! We're sorry to hear your recent experience with us was less than stellar. We appreciate your feedback and see this as a learning opportunity here for our team to explore and continue to improve. Each loan is uniquely underwritten and and outcomes aren't solely dependent on customers' credit scores. Payment history, the amount of available credit used, the length of your credit history, and the number of accounts you have recently opened are some factors that can play a part in a customer's eligibility of scoring a loan. To learn more about how Affirm works check out our Help Center at affirm.com/help or contact us at help@affirm.com for immediate assistance !  - The Affirm Care Team"", 'modified': '2019-12-17T23:13:16Z'}"
Sweden/CA,FALSE,12/3/2019 18:57,"This company signed me up for credit with them during a TopResume payment process, then limiting me to one credit line, within the payment process, while I still needed to pay more for the TopResume services in the checkout process.
Poor design architecture and interface with a ridiculous “alternative” to simple available forms of credit types. Why bother...",1,What a ridiculous and poorly designed app!,
Odkcisowb,FALSE,11/13/2019 14:27,This is the easiest thing ever!! I’ve been using this app for over a year and it is so simple to get something at a cheap rate and not have to open new credit cards each time. I love this!!!,5,Amazing,
How knew,FALSE,11/19/2019 16:39,So far I’ve made 2 purchases! This is great since I am a college student. I can’t afford to purchase things upfront and have little credit so a firm has made it possible to purchase almost anything with little interest and ease of use,4,So far so good!,
wky_chony,FALSE,11/11/2019 23:24,"Loves this app . 
I always use it to buy the things I really want but don’t need so I can pay for it over a time. Make me feel better about the purchase",5,Hassle free and when you need .,
Tab S.,FALSE,10/20/2019 1:21,"This company has been a lifesaver for me, I was in trouble, lol. Had wayyyyy too many bills hit all at once and wore out tires that I couldn’t replace. They approved me very quickly and I had new tires 2 days later. Thank you so much!",5,Needed help!,
Yse Pblte,FALSE,10/11/2019 12:46,i don’t know what’s the use of using the face ID on this apps even it’s enable u still have to put in your phone and pin . Face ID when use it should be automatically logging in guys so fix your apps,5,Face ID,
7Royal7,FALSE,10/1/2019 9:15,"It has been one of the most reliable and user friendly app I have ever used .. Furthermore, Affirm has been my greatest form of credit to date ... Nothing compares to this company and their app software!!! ⭐️⭐️⭐️⭐️⭐️",5,The greatest app,
LStakz,FALSE,8/27/2019 4:46,I love affirm. They made getting items so easy instead of having to fork out an arm and a leg for a product. The simple loan works great for me to get things I deserve or even need at times. Thank you Affirm!,5,So easy and simple!,
Britt1234456,FALSE,8/5/2019 1:55,I have used Affirm multiple times now and it is easy and quick for approval. They do not charge a ton on interest like other places. I’ll def continue to use them,5,Great way to borrow,
CrappyDrawers,FALSE,7/6/2019 17:02,"Using them since last year and can’t say enough about how fair they are with their interest! Hope they stick around for a very, very long time",5,Best all around finance company,
tracetrace19,FALSE,6/18/2019 17:56,Quick approval was able to buy car parts quickly when I could not afford them at the moment!!! Great company/app. !,5,Affirm has saved me many times!!!,
ddietsch,FALSE,5/20/2019 9:49,"User friendly, good & patient company. Ran into hard times half way through my payment system. Let’s see if they are willing to forgive and advance me again. Excellent company, thanks.",5,Excellent Company,
Cris666Alo,FALSE,3/18/2019 17:22,Keeping track of when my payments are due and how much I still have to pay is so easy! It is all very simple and doesn’t over complicate anything!,5,Easy to Use,
hgmiv4,FALSE,2/16/2019 11:53,Thanks to your generous lending I have had the best sleep of my life thanks to the new dream cloud bed I was able to purchase.  Thanks for making it possible and the app makes it easy to keep up with also 🤙🏼,5,Thanks affirm,
Embullient,FALSE,2/2/2019 8:29,Received the offer at checkout not knowing that I could use my available cash for another planned purchase. I was excited since it was a gift giving time.,5,Pleasant Surprise,
BREEZIN31,FALSE,1/19/2019 23:28,My experience with this app has been amazing. It’s a one stop shop for all your current loan needs at a very affordable price with great choices of payment. Would highly recommend this app.,5,Love this app,
Oppee2,FALSE,11/16/2018 21:17,Very happy for this program/ company wish it was around way sooner Ike ten years ago. Wish there were more options for travel though and maybe vacation packages.,5,Very useful very appreciated awesome !!!!,
servingupsteps,FALSE,1/15/2019 14:28,Was a loyal customer for years never late always pay off my loans sometimes early just out of nowhere right before Christmas I was going to use this service denied me continually I will never use them again,4,Stopped approving suddenly,
Goafjdch,FALSE,10/11/2018 6:54,It improved my credit score and I don’t have to worry about using my credit cards or gaining high interest rates. It is super simple to use and make payments! I love it!,5,Best way to boost your credit score!,
Sccoopr,FALSE,10/7/2018 14:17,Love having affirm as an option for purchases! I’m a full time college student so I am all about budgeting. Sometimes I have to make big purchases and this gives me the flexibility I need.,5,Easy to use,
Pilotmaster1432,FALSE,9/21/2018 12:27,Everything is so straight forward when you use Affirm for your purchases. Love it... doesn’t have rewards but still love the credit options it give you :D,5,"Awesome App, Super Convenient Service",
nigerianqu,FALSE,9/13/2018 14:43,"I love affirm! This is my 3rd approved loan through them. The fees are accurate with no other hidden fees. What they tell you to pay is exactly what you pay! 

I appreciate them for helping me continuously book trips 😊

Thank you",5,Loans,
Snooki90210,FALSE,9/7/2018 23:20,"I love how easy it is to use the app!  It’s so simple to get a pre-approval, make payments or just check on the loans. I love it and highly recommend. This company & app has been a life saver time and time again!",5,Incredibly company and app,
TovenusANDback,FALSE,8/23/2018 17:47,"I’ve used Affirm to buy plane tickets on several occasions. So helpful! The only thing is, even though I’ve paid my loans off, and am in good standing with Affirm, I seem to only be able to do one loan at a time.",5,So helpful,
LoganS85,FALSE,7/23/2018 14:01,"It’s got a very simple and easy interface yet it’s very well designed. The app is very easy to use, the support team is great. And I have had no issues with the app or the business in any way! Highly recommend this app!",5,LOVE THIS APP,
Southcue,FALSE,7/21/2018 18:32,This company is fantastic for making items achievable through manageable payments or helping with a last minute expense. Costs are cheaper than a credit card!,5,Great Alternative,
macaws former,FALSE,7/17/2018 22:56,This app is easy to use. I just paid my bill wit it. It was a lot faster than using my laptop or desktop computer. I’ll be using it to make payments or shop with Affirm from now on.,5,Great App,
abat69,FALSE,7/12/2018 22:45,And not have a credit card. It makes you think twice. App interface is so easy and user friendly.,5,What a great way to buy on credit,
Chasewalters,FALSE,6/8/2018 11:12,It actually functions amazingly and helps a lot when paying by keeping it simple. Most other stores don’t even have apps available.,5,Works Great!,
Whynot1208,FALSE,7/9/2018 1:37,"The only thing missing is the total credit that is available to me. And my available credit balance. That would be very helpful when planning purchases,",4,The app is very user friendly,
Gmoney74,FALSE,6/4/2018 16:16,"i'm currently on my 2nd loan with Affirm my 1st purchase went super smooth and i had no problems at all so now i am on my 2nd loan and already planning my 3rd, i would recommend Affirm to anyone looking to make a purchase",5,happy Affirm user,
angeeeeeeee90,FALSE,5/12/2018 18:06,I’ve been using this app for 3 years and it hasn’t done me wrong. I recommend this app to anyone! It’s literally like a virtual credit card. I just wish PayPal accepted this too! I’m surprised it doesn’t. Have fun and spend responsibly x,5,So good!,
mikdar4,FALSE,5/27/2018 17:05,"The virtual credit card would not work yesterday when I was making a purchase. However, to be fair, it could have been a technical issue between Apple Pay or The Dump (store).  Major Kudos to the Affirm representative in her efforts and patience to assist.",4,Did Not Work,"{'id': 3688737, 'body': 'We are glad we could help you with this issue. If you have any other questions please reach out to help@affirm.com.', 'modified': '2018-06-01T20:39:01Z'}"
Jazzytf44,FALSE,5/11/2018 15:26,I love this app and Affirm.  They give u the opportunity to make purchases at ease with low monthly payments.  It’s simple and easy to use.   I haven’t had any issues with this company!  Kudos for making purchases affordable,5,Amazing,
Rock02013,FALSE,5/9/2018 4:00,Taking out a one time short term loan has never been so easy! I love this program. Can be used anywhere you want because of the virtual CC process. Low interest and quick easy approval. Thank you Affirm!!,5,Love it!,
kanye_all_the_way,FALSE,10/27/2017 16:52,"Affirm is incredible! I love the simplicity of the interface and how easy the product is to use. I never have to worry about late fees or forgetting to make my payments. 

Take that, Bank! No more fees to you!",5,The future is amazing,
Jwest2013,FALSE,5/19/2021 13:50,"I like this app because it’s easy to use and manage your account, you can shop and find out if you’ve been approved immediately.",5,Very easy to use,
Lbauerns,FALSE,5/20/2021 8:35,"I want to be able to log in with my email, not my phone number. When I’m over seas I have to pay for texts and sometimes don’t even get them. They also make it very difficult and confusing to over pay or set up automatic payments higher than the minimum and when I’ve contacted them about this I got back an incredibly useless reply.",1,Annoying user experience,
Shanta@838,FALSE,5/8/2021 21:08,I’m glad you can pay off the balance earlier than the payment date. When paid early they even take a percentage off,5,Early,
Peck II,FALSE,5/3/2021 16:59,"The interest rate are a little high but, for people with not so good credit it helps to have a place to turn for money when needed. Hot water heater out? Work Truck down? Need Tires! Need Rims because of a tire blow out? It is pretty nice!",5,Interest,
Holden 268,FALSE,1/25/2021 23:53,Needed things but did not have money so bought thru affirm and they let me make payments I can afford. Thank you for being there for me in this pandemic. Hope to shop soon.,5,A god send,
jeremy b$,FALSE,4/5/2021 20:08,Hard to get a big amount to start with but after paying off a low amount own time they give you more and more. It really helps out just wished it helped your credit to.,4,Loan,
Done dinensjrkdbrhtb,FALSE,3/31/2021 16:10,"Trying to get chat or email help is impossible. There are no published emails, or phone numbers to contact. The “contact us” link puts you into a loop of questions- most of which don’t help. The chat it automated and cannot address specific question because human help is NA. The link they provide for additional help in the chat - does not work and kicks you back to the beginning of the process.",1,Zero support,
dustyme1,FALSE,1/25/2021 22:24,I have had the pleasure to use the firm as a payment plan for a couple of my grand children’s gifts and it has come in quite handy. The firm has been efficient and safe to use. Thank you so much,5,Affirm,
Latter-Day Saint & Soldier,FALSE,1/8/2021 6:03,"One feature I think would really come in handy is the ability to like/favorite stores, so those stores show up in place of the “popular” feed. Just a suggestion.",5,GREAT APP!,
:3:&,FALSE,1/15/2021 22:22,"This will work if you have no other option, but they will not help you if you get cheated or scammed by their “trusted” companies on their website. If you don’t get the product or service you used affirm to pay for then you’re still on the hook and won’t be able to get help mediating with the merchant. Better to just use a credit card where you can actually dispute the charge.",1,DO NOT USE,"{'id': 20486751, 'body': ""We’re sorry to hear that you’re having trouble with a purchase. Give our team a call at (855) 423-3729. We'll be able to take a closer look into your dispute.  "", 'modified': '2021-01-18T23:38:03Z'}"
amlivhere,FALSE,12/31/2020 17:12,"Used this app to make a payment and was very convenient. Be advise, they don’t take credit cards only debit cards! They should take both, but debit guarantees they will get their money.",5,Convenience On A Touch,
Gtriderjoseph,FALSE,7/16/2020 21:58,"Honestly was skeptical but used it for my new exhaust and so far had zero issues. Checking balances, making payments, reminders are all super easy and convenient.",5,Love it,
jlardawg,FALSE,12/2/2020 2:38,"I bought a tv from Walmart for $900. Walmart messed up the order, refunded me, and I purchased a different tv for $1200(with sound bar). 
  It's been three months and affirm still has not removed the $900.
  Affirm is a great service if you don't mind paying more to use credit without it affecting your score. I like that. I rate it one star because along with gouging you on interest, they will steal cash from you at any opportunity.",1,Stole $900,
emorgan60,FALSE,5/18/2020 22:59,Needed the next fight out and was able to sign up and put my reservations thru on monthly payments with little trouble or interest.  Thanks really appreciated this option,5,Emergency,
Sinsaenum,FALSE,7/11/2020 20:41,"You turned me down three times for no reason. I’ve always paid my accounts on time and have paid them off on time. If you were burned by people over this covid nonsense, well that’s not my fault. Don’t punish the loyal customers as I’ve read that you have done over and over again. As I’ve said before, I hope you people fail over this political virus nonsense.",1,Turn your back on loyal customers,
Mommy bear of 7,FALSE,4/26/2020 0:33,I get paid on the last day of the month but they want my payment on the 29th each month wish they would work with me on this,5,Affirm,
kitty kat kell,FALSE,3/24/2020 17:27,Due to the rough times the world is experiencing due to the Coronavirus I wasn’t able to make my payment at that time it was due. But luckily they have a grace period and was very patience with me until then.,5,Rough times,
kimkat34,FALSE,2/28/2020 1:27,It really help when you have to pick up quick gifts for loves ones last minute between pay days😀 love the opportunity for the payment plans!! Thank You 😊,5,Awesome,
Mikeee409,FALSE,2/26/2020 19:10,I love this app ! It comes in handy when ever I need to purchase something either ahead of time or at the last minute it’s ver convenient the pays set up are so wonderful you chose witch ever is best for you they,5,Love this app!,
NeeSwan,FALSE,2/26/2020 11:47,I love that I can keep up with my balance and make payments very easily! It also sends me a reminder notification several days before my payment is do.,5,Easy To Pay!!!,
Karimquick,FALSE,1/14/2020 23:30,I was able to purchase a piece of equipment for my business and paid for it in affordable installments. I will definitely this service use again.,5,So very Convenient,
Ivey Hughes,FALSE,1/7/2020 12:14,I love this app. I’ve made three large purchases and had no problems at all. The charges are very reasonable for the service that you get. It’ll be great if everybody that borrows money pays it back so this can keep going.,5,"Great idea, great app, great rates",
IronLoveHeart,FALSE,1/6/2020 23:35,I applied for Affirm and found out I qualified within a couple of days. I’m so pleased with this service and would recommend it to anyone. So many businesses use Affirm so happy shopping.,5,Great program,
Isaiah.66,FALSE,12/4/2019 2:37,If you’re trying to budget money but still want all the upgrades for your car or anything you wanna buy this all is really helpful 100% recommend,5,Best app,
Gabriolis,FALSE,1/3/2020 8:59,Affirm has not been too bad making it affordable for me to get items without dropping slot of money however the interest rates are horrific and on top of that every time I go to sign on to make a payment they run my credit causing another inquiry and I know so because when I purchased a new car a month ago I saw my credit report and there were tons of inquiries from affirm,1,Credit check,
I Corps,FALSE,11/26/2019 18:48,I have used this hassle free way to pay for two major purchases and each time it has worked flawlessly.  Highly recommended!,5,Affirm is really handy,
Kiara S.A.,FALSE,9/12/2019 20:49,"I love affirm, it’s so quick, easy, and accessible that I’ve never had a problem. I would 100% recommend this to anyone needing to make a medium sized purchase with financing.",5,The most convenient thing ever,
Vernon of Newman CA,FALSE,4/25/2019 3:28,"This App is utterly AMAZING!!!! Affirm has morphed retail shopping to a quick, easy, and most importantly - effective and efficient process that is NOT financially hostile to everyday people like me. 

Yes! Yes! YES!!! Affirm will now be known as the Abraham Lincoln of the Financing Industry - freeing ALL OF US from the parasitical plague of those evil Finance Charges!!! 

Long Live Affirm!!!!!!!!!!!!",5,Vernon H/Newman CA,
Friendly Neighborhood Stick,FALSE,4/19/2019 23:56,Gives me information and control over my loans. The shopping section with Affirm customers is awesome. When I think it can't get any better they always improve it.,5,Love it.,
RauloDieppa,FALSE,4/4/2019 22:58,I have use Affirm several times and is the best financial app I have use..!!! They have special offers of 0%APR and is perfect because you don’t have to pay interest on the items you buy.,5,Simply the best app!!!,
blueeyed Vinnie,FALSE,3/19/2019 21:00,Been trying for two days to update a checking account and each time the system crashes!,5,Useless app,"{'id': 7828239, 'body': ""Hello! We are sorry you are facing this issue. Please reach out to us at help@affirm.com and include the steps you are taking which are triggering the cash. We'll do our best to help you."", 'modified': '2019-03-21T00:37:30Z'}"
Princessesx3,FALSE,4/4/2019 1:33,"Love the app and Affirm...multitude of ways to pay for things. The only problem is when using in store as there are still stores that don’t use Apple Pay. If a store doesn’t take Apple Pay, then you can’t use Affirm there.",4,Easy to use,
HawkUs2,FALSE,3/9/2019 1:02,"This is convenient, easy and super affordable payments. We will be using them more often. Most have ZERO % interest. So much better than using our credit cards.",5,HawkUs2,
Mosie CoLA,FALSE,2/6/2019 2:04,"Straight forward! No hidden fees! Can easily navigate payment due date, loans, etc. Also, you can have notifications sent about payment reminders and even set-up autopay.",5,Awesome!!!,
Arowannnaaaaa,FALSE,1/18/2019 2:15,When no one will approve you this is a awesome platform to get credit. Have 2 credit lines now with a BK on my credit report.,5,Great platform when having bad credit,
Wgg1234,FALSE,1/20/2019 23:45,"Not bad at all. It was very easy to make payments and to view account, just simple. 4 stars I just didn’t like that A prompt would always open up to get prequalified for another loan.  I was NOT about to have another bill.",4,Affirm easy to use,
cbeatsemup,FALSE,1/4/2019 2:10,"Only reason not 5 starts is that they only report to one credit bureau.

Other than that, it’s a great option for many items online.",5,Easy to use.,
Rick2109,FALSE,12/30/2018 22:21,"Easy Payment plans on the App, link your bank account and setup easy-hassle free auto-pay on the date of purchase! Have been really enjoying my purchase thanks to Affirm.",5,Flexibility,
Tmission,FALSE,12/26/2018 12:39,Quick way to check payments and balances. I like being able to check my accounts with the click of a button.,5,Love app,
Prdude,FALSE,12/6/2018 16:20,I have been using the Affirm app for quite a while now and I think is the greatest way to get what you want at a very convenient way to pay for it. I am very happy with it!,5,Great and convenient service,
ktg2213,FALSE,12/3/2018 22:48,Affirm is such a great way to make bigger purchases and pay barely any interest. I’ve used it several times now and I would highly recommend it to anyone!,5,Love this app!,
Dblarch ,FALSE,10/16/2018 5:03,"This is a great service! What else could you ask for in an app? Getting a loan to buy a musical instrument or equipment for a musician can be pretty tough. This service does just that, easily too! You’ve got to try it!",5,Affirm is Affirmative!,
likenoother1,FALSE,9/27/2018 20:59,I am in the process of purchasing a home. I have open clear credit cards I could use but I don’t want to affect my debt to income. Affirm allows me the freedom to purchase the items I want. I love this app.,5,Great Option,
Derringer489,FALSE,9/24/2018 12:15,I have never had any problems with the app. It makes it incredibly easy to get credit for purchases and easy to keep track to pay it off.,5,Great app!,
Royal sponge,FALSE,8/29/2018 23:50,I’ve used it for awhile and it’s worked perfectly. It’s also easy to understand and navigate through everything.,5,"Fast and convenient, really a great app.",
Aunty Tia,FALSE,8/24/2018 3:31,"Affirm made it possible to pay for our dream trip with easy monthly installments. The process was so quick and efficient, I’m using them again for the third time",5,Ease and easy,
rondeli61,FALSE,8/21/2018 18:07,Quicker and easier than my bank // the banks are always a hassle // god bless affirm // awesome so easy to use what else can I say everyone should use affirm I’ve said what I have to say // I’ll always go back to affirm //,5,Always use affirm,
mberritto1,FALSE,8/13/2018 16:40,"Affirm is a great service and this easy to use app really makes life easy, all your information is readily available and you can pay your loan quickly and easily",5,Fast and Easy,
FrankieJoseph,FALSE,8/13/2018 14:49,Very easy to use and set up auto payments. Great option for purchases when you don’t want you used credit on your credit report to increase.,5,Great company,
Mmiles22,FALSE,7/31/2018 12:51,Love using this app. Makes reminders when my payments are due plus makes the payment process quick and easy.,5,Quick and easy!,
Honda1ACC,FALSE,7/26/2018 2:45,Great opportunity if your building your credit! Gives you a chance to buy something and promise to pay to help build your history with your credit. I love it! Thanks!!!,5,Best thing ever!,
Jc7658,FALSE,7/19/2018 15:28,Very straightforward app. Everything is clear and concise. I love being able to have credit available to me at the push of a button.,5,Amazing and to the point.,
ccparker,FALSE,7/18/2018 17:31,"Why? It gives me the ability to purchase things I want with easy payments out of my checking account. I have purchased from several stores like weather tech, Wayfair, Macy,s and Ticketmaster!!!!",5,Love Affirm,
Constantly refilling,FALSE,7/1/2018 20:16,I purchased an iPad mini & paid it in no time; I liked the ease of paying an extra amount and the fact that it would not affect my credit score.,5,Ease of use,
steezhippyflow,FALSE,6/9/2018 20:16,I love this app. I am a sneaker head and love the ease of loans and the friendly reminders to make payments on time. Great app and developers! Truly a fair system based on your personal payment history for prequalified loans. Perfection.,5,Not a single complaint!,
Rosey💙💋🍀,FALSE,6/4/2018 6:48,"If it wasn’t for affirm I would not be able to buy the most breathtaking gift for birthdays, anniversaries and Christmas. I absolutely love this app I am yet to try it out to travel but am look forward to it.",5,Unbelievable 💙,
Sandi Gastonia NC,FALSE,6/1/2018 15:12,Affirm’s app makes it super easy to review and pay on your account!  Affirm is an awesome way to get the things you want now!  You pick the terms!  There are no hidden fees. I love Affirm!  It makes getting the things you want super easy!,5,I love Affirm!,
onuwa84,FALSE,5/31/2018 16:15,"Affirm is the way to go, very honest in dealings, no late payment fees just gt payment across as soon as possible and from the start what you get is constant, no changing stories..i love the friendly reminders",5,Great way to finance,
Chunky Princess,FALSE,5/28/2018 17:44,I love this program. Absolutely no FinePrint or hidden charges. Just a great financial resource to help you get the things that you’d like and make payments that you can afford. And best yet every loan has to be paid in a year maximum. Love It!,5,A great financial resource,