Affirm: Buy now, pay over time App Positive ReviewsAffirm, Inc.

Affirm: Buy Now, Pay Over Time Positive Reviews

4.87091 star

Total 42 Positive Reviews

Affirm: Buy now, pay over time App User Positive Comments 2023

Affirm: Buy now, pay over time app received 42 positive comments and reviews by users. Can you share your positive thoughts about affirm: buy now, pay over time?

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Affirm: Buy now, pay over time for Positive User Reviews

NonAffirmingI’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..Version: 3.113.3

Affirm AppI 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.Version: 3.94.1

LoanEasy to access and I love that my account is my phone number easy to remember no password just a security code to my phone and I’m good to go. Great service but high interest. I don’t mind the interest because I have dealt with other services where the interest is higher and you have to jump thru so many hoops just for them to tell you NO! Love affirm!!!!.Version: 3.176.0

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..Version: 3.43.1

Great appOne of the best apps out there in the fintech world.Version: 3.180.0

Self employedEasy and fast to use with no penalties for early payout of the loan. Thank you Sincerely Chris.Version: 3.172.0

Are you kidding meSo 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..Version: 3.101

Great ExperienceAffirm has provided a great experience hiding some of my Amazon purchases from my wife!.Version: 3.178.0

Best credit builder!I just want to say that, when I found out I could use programs like affirm. Shopping and spending have never been so much easier and convenient for me and my family!! Saved me at certain events when I need a last minute gift and I didn’t quite have enough to pay now. Use affirm and you get you item and a small loan amounts to pay off. Just love it!!.Version: 3.173.0

Scary situation turned around by AffirmI used affirm 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 Affirm 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..Version: 3.139.2

Easy and efficient appI am so happy that Amazon have this app connected, i have easy payments. It shows how much you owe by date, and how much left. The app hasnt crashed yet, so very happy. totally recommend AFFIRM!.Version: 3.187.0

Overall good but...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..Version: 3.109.1

Quick and efficientThis 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)..Version: 3.35.1

Muy malos pa procesar los cobrosEstán bien gueyes pa cobrar. Póngase pilas bola de putod.Version: 3.165.2

Love itVery easy to use, makes paying a bill easy.Version: 3.186.0

So Thankful For This App!Being a single mother on a limited budget, having an app like this is a godsend! Last October of 2021, my water heater in my house burst! After a good friend tried welding back together the corrosive broken water pipe on the tank, praying on a miracle since I didn’t have an extra 1k to spare at the time, I was stuck in bad place. As you might have guessed, there is no fixing a broken water pipe. Having no hot water for a week, I priced every water tank from multiple companies and tried moving money around to afford a new one. I found a pretty affordable one online and seen it was giving me the option to pay through affirm. So I downloaded the app and filled out the info to see if I qualified. Shockingly, they approved me for the $650 water tank and I only had to put $100 down! I think I had exactly $115 in my bank account at the time. What a miracle! 🙏🏼 With $50 a month payments, I was able to pay it off early too. I just used it for a 2nd time and finished paying off another expensive item. Thanks affirm for helping out us poor people afford things that we really need!.Version: 3.154.2

Helpful to have😊I discovered AFFIRM on Amazon just before Christmas last year. I find it’s a great way to get what I want, when I want in terms of gifts and such. I love that it’s open, so that I can make payments and/or pay it off entirely without fees or anything. They are also great at reminding me when payments are due. This is a great app to have!!.Version: 3.186.0

At first it was a painOriginally I couldn’t even access my account and it was driving me crazy, I was not even able to find the right support but with a little bit of effort we figured it out and I couldn’t be happier.Version: 3.182.0

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..Version: 3.29.0

I appreciate this service.This company allows people to buy big ticket items and pay over time. I like this service because I don’t have a lot of money monthly so I’ve been able to make some large purchases but pay it off as I can. You can choose a cheap option to pay over a longer time or do a 4 month plan which is more money monthly. You’re able to put as much money towards your affirm expenses and pay it off sooner or just pay monthly. Much better than putting it on credit card because we pay the cost of the items not just interest and a tiny bit of the bill! I will be using this a lot going forward. It just changed names it used to be pay bright which I used a couple years ago to buy a bed ! I’m so thankful for this service and I hope they don’t raise their prices. You do pay some interest but you can chose how much depending on how quickly you want to pay it off. The quicker you pay it off the less interest they will tack on to your total. I think affirm is really great..Version: 3.187.0

Affirm best for large purchasesI had a great experience with Affirm, the app is so easy to use, I got my tv through Affirm and it was a great shopping experience. They only do a soft pool so your credit won’t take a hit either. The approval process is fast and you get 3 choices 6 months 12 months and 18 months. They charge a small fee for the loan but it fair and acceptable. There are no hidden fees, you see exactly what you will paying in total and there is no pre payment penalty either. It was a wonderful experience. I been using them ever since and they also have a savings that they offer 0.65 APY most then any Banks out there . The app itself has a lot of features, you can see in detail all your purchases, due dates , available funds for purchase, your savings, all stores and shops in the Affirm App. I recommended Affirm to friends and family and all had the same positive experience..Version: 3.143.1

Convenient PaymentsLove Affirm! Nice to way to get something you want and don’t have all the money at once. Thank You!.Version: 3.171.0

Great app , and great and quick loan service.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 !.Version: 3.115.0

Affirm is the best!Out of all of the loan companies, Affirm is definitely the best. There is no crazy interest, no fees, no ‘90 days same as cash or you pay double what it’s worth’. Everything is clear cut and simple, the way a loan company should be. I’ve used a few others and at times I was fighting to make sure that I paid everything off within 90 days so that I wouldn’t be paying a ridiculous amount of money for a full year. Using Affirm has allowed me to have things that I normally would have to save for a long time to own. I always pay my loans off early and am able to get other things when I want or need it. I had my first experience at a Giants game thanks to Affirm. I will continue to use this company as long as they keep the same business model. Also, I love the fact that I don’t have to call them to change or remove a payment method, which I had to do with other companies. The app is super user friendly and I appreciate having this as an option to treat myself or my family every once in a while..Version: 3.164.0

Change the way you allow folks to qualify for creditCurrently 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.Version: 3.28.1

2 things1. Only use 0% interest rate / APR 2. Only buy things you NEED.Version: 3.186.0

AwesomeInterest is a little high, but other than that fast response to your application.Version: 3.182.0

ExperienceI have great experience to use affirm services They are reliable and convenient to take payments. I will consider their services in future too..Version: 3.176.0

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!.Version: 3.15.0

Love this AppAffirm is the best way to finance larger items or items you can’t afford without a little help and affirm charges or sometimes it’s interest free too but it’s a one time low interest fee that’s all and they schedule payments throughout the amount of what your financing. If your late with payment they don’t charge late fees which can be so much money with a regular credit card that totally is uncalled for when your only an hour of a day late with your payment and I think regular credit cards rake us completely with their interest charges too and over the credit limit fees., whereas affirm doesn’t do that at all ! No hidden fees at all and it makes it so much more affordable.. I love affirm and the app is user friendly as well which makes it all so much easier to purchase an item that you want but otherwise couldn’t get because it’s not in your budget., try it out it’s excellent !.Version: 3.127.0

Satisfied customerAffirm has been a big help for a struggling mom just like me. I thank you so much.Version: 3.175.1

Good Financial ToolAffirm 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 Affirm 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 Affirm 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 Affirm and none have been reported. That could have greatly benefited me in helping to improve my credit score..Version: 3.125.0

Simple5 étoiles.Version: 3.185.0

Easier & SaferSo, you use your credit card on line, right? Typing it in at lots of sites you think it’s ok to trust - humm. Affirm is the tuff guy that holds your credit behind a wall of security, it is like your Bank. You no longer type your personal credit information anywhere (that accepts Affirm). Affirm securely holds your personal info for you. You will never type your Affirm account # any where. Your data can not be stolen if you never type anywhere. When you buy something you click the Affirm choice, Affirm pays for your purchase in-full immediately. Now you pay Affirm monthly payments. Or, take your 30 days of free money and pay it all off on the first payment = no interest. Yaa Safe, Secure, Easy - you can schedule payments for any date or pay on your due date. You can pay more then the due amount. You can also set up auto pay. BUT, I like getting my Phone notification (about 8 days in advance) then I decide how I’m doing that month and schedule a payment right then. Usually, 30, 50 or 100% of the bill. I really hate interest but that’s the, Affirm’s, & P.Pal business. Their product is money - we’re buying their money (they pay for the purchase for us) for that Service they get paid a fee / that’s interest. If you pay it all on 1st payment the Service of using their money and securing my personal data, and my credit information is all free. Nice! 5 Stars.Version: 3.166.1

Excellent Way 2 Pay!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 💯.Version: 3.117.1

Very good financingI 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..Version: 3.61.2

SolverI like the way they care about others I do appreciate Affirm.Version: 3.175.1

Where is your customer service??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..Version: 3.111.0

Affirm AppThis app is awesome, easy to use and fast too.Version: 3.171.0

A+++What a big help.Version: 3.166.1

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!.Version: 3.21.0

Saved Christmas!I wasn’t sure if I’d be approved because I have poor/no recent credit, but I thought I’d give it a chance since it said it would not affect my credit score. To my great relief, my proposed purchase was approved, and I was able to get my daughter many of the things on her Christmas list. Without Affirm it would have been a very meager holiday since I hadn’t received my child support payments recently. The application was very quick and easy, and I appreciate that I was able to select the term and monthly payment amount for my new loan. I was leery of high interest rates, fees or other catches, but I found my rate quite reasonable and there were no additional fees. The terms are laid out clearly in plain English. It was also very easy to make my first monthly payment on the app, and I like that auto-pay is available but not required because some months I will make larger payments, pay early and/or use an alternate account for payment. I really appreciate this flexibility. So far, it’s been a very positive experience. Only slight nuisance is the deluge of financial offers I’ve been getting in my email since taking out my Affirm loan. But that’s a small thing considering it saved Christmas..Version: 3.168.0

😕 Affirm: Buy now, pay over time Negative Reviews
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