Affirm: Shop and pay over time Reviews

Affirm: Shop and pay over time Reviews

Published by on 2021-06-07

With the Affirm app, you can shop stress-free at any store and pay over
time—with no late fees, penalties, or hidden costs of any kind. How does
Affirm work? It’s simple:  • Find your favorite store, fill your cart, and
choose the payment option you like best. • Complete your purchase...



Table of Contents:
1. Reviews
2. Is it Safe?
3. Is it Legit?
4. App not working?
5. Report Issue


Affirm: Shop and pay over time Reviews


  • By

    Affirmative on Affirm App!

    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.





  • By

    Awesome Service & App!

    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!


  • By

    Very good financing

    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.


  • By

    Affirm opened up a whole new chapter in my life.

    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.


  • By

    Quick and efficient

    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).


  • By

    5 stars all around!

    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!


  • By

    Decent but qualifiers need improving

    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.





  • By

    Great functionality - hard to manage personal account

    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.


  • By

    Wanna shop and pay later? No prob👌🏻

    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 !!


  • By

    Quick and easy

    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.


  • By

    Great loan program but has its risks

    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.


  • By

    If you just can’t wIt....Affirm!

    I just happened onto Affirm and have been with them ever since...... if you want something now and you don’t have the lump sum for the purchase then try Affirm.... they have great rates and no penalty for early payoff, plus their customer service is very responsive... try it! I know you won’t be disappointed..... most companies accept Affirm and if it’s not listed as an option when you go to pay for something then before you do pay go into Affirm and see if you can get a gift card for that company and the amount you need and if they do business with that company and your approved you will get the virtual gift card immediately or not but you will know right away, no waiting. If you wind up not having to use the whole amount of the gift card they will credit that back before your first payment.... I can’t say enough good things about Affirm!! Thanks Affirm!


  • By

    High APR but worth it.

    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!!


  • By

    Such a wonderful company!

    I’m sure we’ve all wanted to buy numerous things, yet are hesitant about shelling out the entire amount upfront. I’m also someone who never writes reviews, yet I had to share this time around. With Affirm, not only do they allow you to pay monthly at a rate you’re comfortable with, they also enable you to shop at hundreds of retailers! Keep in mind that you probably need at least somewhere in the low to mid 600 credit score range to potentially qualify. The interest rates they offer are very affordable. I’ve purchased a big screen tv, booked a reasonable flight for Christmas, and practically upgraded my entire life with Affirms help! Paying off early doesn’t accrue any fees, and regularly paying monthly in general also helps build credit, once the credit bureaus receive notice of such. Give Affirm a shot! I’m sure you’ll be very pleased :)


  • By

    Easy perfect

    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.



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Is Affirm: Shop and pay over time Safe?

Yes. Affirm: Shop and pay over time is quiet safe to use but use with caution. This is based on our NLP (Natural language processing) analysis of over 638,101 User Reviews sourced from the Appstore and the appstore cumulative rating of 4.9/5 . Justuseapp Safety Score for Affirm: Shop and pay over time Is 28.9/100.


Is Affirm: Shop and pay over time Legit?

Yes. Affirm: Shop and pay over time is legit, but not 100% legit to us. This conclusion was arrived at by running over 638,101 Affirm: Shop and pay over time User Reviews through our NLP machine learning process to determine if users believe the app is legitimate or not. Based on this, Justuseapp Legitimacy Score for Affirm: Shop and pay over time Is 28.9/100.


Is Affirm: Shop and pay over time not working?

Affirm: Shop and pay over time works most of the time. If it is not working for you, we recommend you excersise some patience and retry later or Contact Support.




Have a Problem with Affirm: Shop and pay over time? Report Issue

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Why should I report an Issue with Affirm: Shop and pay over time?

  1. Pulling issues faced by users like you is a good way to draw attention of Affirm: Shop and pay over time to your problem using the strength of crowds.
  2. We have developed a system that will try to get in touch with a company once an issue is reported and with lots of issues reported, companies will definitely listen.
  3. Importantly, customers can learn from other customers in case the issue is a common problem that has been solved before.
  4. If you are a Affirm: Shop and pay over time customer and are running into a problem, Justuseapp might not be the fastest and most effective way for you to solve the problem but at least you can warn others off using Affirm: Shop and pay over time.


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