Affirm: Buy now, pay over time Reviews

I’m a Youtuber Jay Moore Reviews and I review movies, tv shows and products. I have been using this app 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 this app 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 Affirm 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 Affirm 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 💯

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 this app 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. Affirm 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 this app 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.

I have been trying for weeks to get ahold of someone at this app. None of the emails listed works. It always comes back and says we are not monitoring this box at this time. It even did it when they sent me an email and it said to reply to this email. Same thing happened. We are not monitoring this box. It also declined me on a buy now pay later 4 payment option and kept saying I was applying for a 6 month loan and my credit score wasn’t high enough. They are not suppose to even run your credit so I don’t know how that even played a part in it. I have had many buy now pay later plans with different companies and I have never had this problem and have always been given a credit limit which this app does not do. I was on a site for hours then got turned down for credit I didn’t even apply for. It never even gave me the option it just went straight to the monthly payment plan and yes this site did accept this app on the biweekly option. It had already told me what my payment would be. I’m going to contact the BBB if my credit was run cause it shouldn’t have been and I’ve paid every payment with this company and have no reason to be turned down. Worst customer service and buy now pay later program out there!! By far.

Have had the WORST experience with this app. Tried to make a payment multiple times and there was an error. Checked with my bank more than once to assure no issue on my debit card/account. Called this app and they opened a case for me and said they would reply in 3-5 business days. A month later, no response at all and now receiving late payment notices saying this will affect my credit score. I call this app back to let them know the issue is still happening and to make sure it doesn’t affect my credit since the issue is on their end. I am transferred back and forth and then speak to a supervisor which basically tells me there is nothing they can do and that my credit will be affected. Gives me zero options of other ways to get payment - I offered over the phone etc and tells me they can’t accept payment over the phone. Get transferred again and a representative tries to add my information to the account and that won’t even work so they say this is definitely an IT issue with the website. I tell them that affecting a customers credit when the error/issue is on them is not acceptable, they agree but say there is NOTHING they can do to pause the loan etc to avoid credit being affected. Honestly insulting and insane that no one can help when the company is at fault. Will never use this company again. And will take legal action if I am affected on my credit

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

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 this app 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 this app 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.

Affirm 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 this app. 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!! Affirm 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.

I had canceled an order because this app 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 this app. This is where the fun begins lol. Target had “already processed my purchase and therefore this app 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 this app to let them know my order was canceled and that I was given a refund. this app 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 this app decides to process my refund, which we are now on day 28. Target even cautioned me that this app could take the full 45 days for them to give me the refund, which is ridiculous. this app tried deflecting the blame on target but it stated in their policy that even though you have been give a refund for a purchase, this app 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.

I am disappointed in a firm because I have made my payments every two weeks been months ahead on each loan FaceTime I used a virtual credit card but all of a sudden it made where I could not have a virtual card that I wasn’t denied and I got the balance total paid down it’s acting as if I have not made good on my payments which I have extraordinarily over and I know I’m like do you in like September or late August like when I was like made payments early. So I don’t recommend this at all it doesn’t do as it cleans especially not for your credit like if anything and hold it against you even though you’re making good with them you know mine is due from a horrible husband and divorce so I’m just on top of everything else I don’t know if I review if I misspelled words because I can’t even see what I’m typing which is weird trying to clear up what he destroyed for me and try and get my life back and everything and yeah I thought this would help but really it’s not I don’t know it’s just very disappointing because like I said I’ve made good with them but they like acting as if I haven’t I don’t know if this is Affirm or the actual company but yeah I don’t know I don’t recommend it

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 this app 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 Affirm 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!

Affirm 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 this app 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

I used this app for the first time the week before Christmas because it was advertised at checkout. I filled out everything requested, selected my payment plan, was charged $478 and then this app never completed my order with Neiman Marcus. My items are still sitting in my cart. Finding their customer service information was challenging because I wanted to send a screen shot of the error message I got from their site when I submitted my payment. There is no email or online messaging option so I had to call. I hate calling 800 numbers. Glad I did. The customer service associates were pleasant and helpful. I was mostly nervous because their website said it would take 7-10 days to refund my money but luckily, with the help of a manager, that wasn’t the case. She gave me a one tome card to use to complete my purchase over the phone. All is well! Christmas is not ruined. Nice work with customer resolution training. Seems like you all really value our business.

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 Affirm 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 this app 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 this app account It didn’t start the payment dates until i received my items. Will be using this app from now on over any financing program for a long time currently.

So I started using this app 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, Affirm 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 this app 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 this app, 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 @%$^?

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 Affirm 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

For a young person who is mostly responsible with their money, this app is a gift from above. this app 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 this app payments. Overall if you are responsible with your money and have good experience with paying monthly bills ON TIME... this app is a great way to allow those expensive, in my case recreational, purchases into your budget.

Affirm 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 Affirm , 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 this app, 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).

this app is a good financial tool for people with not so good credit who may want to establish that lender/consumer trust again. Start small and work your way up. The more you show your ability to repay, the better chances of getting approved and earning higher spending limits. Interests rates can be pretty high so it would benefit more to choose the shortest repayment term, but overall this app has been exactly what I needed it to be. I have recently gotten the savings account they offer with a 0.65 APR. I work at a financial institution and that rate can’t be beat! I highly recommend this app for people who are in the 600 range credit score. I’m not sure if their interest rates are better for people with better credit or how it would benefit someone who has good credit and wouldn’t otherwise have an issue obtaining credit anywhere. The only reason I give 4 stars is because they don’t report to credit bureaus. I’ve had 5 loans with this app and none have been reported. That could have greatly benefited me in helping to improve my credit score.

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 this app 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. this app 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 this app 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.

After speaking with more than a few service representatives as too why misleading information is given I’ve come to the conclusion that this service is just terrible. Pre approved for a limit of $900USD however if any transaction is attempted even in an amount of less than $10 it will be denied when pressed as to this conundrum they simply parrot the email will explain the email will explain etc something about FICO score however any credit reporting site (credit karma, etc) not only shows an increase in overall score mid 600’s but they continually act as though you’ve never used their platform before (which I had for more than a few purchases easily equaling into the xxxx’s) but multiple other platform with access to the same exact information are more than willing to take the very same loans even from places such as PayPal which is notorious for being picky. So what I’m saying this is a service aimed for the upper lower class and middle classes that actually won’t work with any of said people if they have something like a loss of income from a world wide pandemic and are forced to miss 1-2 payments on a car note because housing is more important. Yeah fk this company.

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 this app 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 Affirm 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!

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 this app 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 this app. 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!

I do like purchasing things with this app from time to time if I just do not want to shell out the money immediately. I have made a few purchases with this app 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 this app 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 this app 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 this app 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.

Affirm is super easy to use and has gotten me in a lot of trouble as it relates to shopping! I love the convenience of this app! 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 this app and find the concept to be appreciable as well as convenient for daily transactions.

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 Affirm 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 this app !!

I hate having to dish out $300 upfront for a part for my car. Using Affirm 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 Affirm it’s very easy and simple to use. 100% would recommend to a friend.

They are very persuasive and will harass you hundred calls a day and threaten you verbally. Affirm 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.

I just happened onto this app 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 this app.... 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 this app and if it’s not listed as an option when you go to pay for something then before you do pay go into this app 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 this app!! Thanks this app!

My credit was in poor status, this app 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. this app 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 this app, 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 Affirm makes keeping up with payments seamless. Thank you this app!!

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 this app, 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 this app a shot! I’m sure you’ll be very pleased :)

I got Affirm 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 this app 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.