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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 [email protected]. 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 [email protected] !"", '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 [email protected] 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 [email protected] 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 [email protected] 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 [email protected] 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 [email protected]"", '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 [email protected] 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 [email protected].', '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 [email protected] 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 [email protected]. 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 [email protected] 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 [email protected]"", '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 [email protected]! -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 [email protected]"", '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 [email protected]"", '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!,