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

Affirm: Buy Now, Pay Over Time Positive Reviews

4.8
4.87062 star

Total 39 Positive Reviews

Affirm: Buy now, pay over time App User Positive Comments 2024

Affirm: Buy now, pay over time app received 39 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

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 When you start using the app, you just give your account number you will have money withdrawn from, and either go on every month and pay......really takes less than a minute to do, or set up auto pay.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

Great appEasy to follow love it.Version: 3.217.0

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

Simple but effective.I like the app. It’s simple. And it connected my account immediately this time. I just can’t find what the initial balance was. But I’m very bad with simple apps. I have no complaints. I’d recommend it to keep track of your affirm balance and due dates..Version: 3.223.0

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

User friendlyI have had absolutely zero issues with the use of this application. Encourage people to go for it!!.Version: 3.212.1

Awesome service! Very easy to use and pay back early without penalty.I would 100% use again!.Version: 3.211.0

ConvinceApp is easy to manage.Version: 3.213.0

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

Worked great until it didn’tI’ve been using affirm for almost 2 yrs. Worked awesome. The app is no longer working great. I have never missed a payment and never was late. I can no longer use the app because it says it can’t verify my identity. Everything was working fine the day before it said I had 1500$ spending power now it says it can’t verify identity. When I saw this I immediately reached out to affirm. It’s been almost 3 weeks and have gotten nowhere. I tried all kinds of stuff like using shop and deleting the app and reinstalling all to keep getting the same problem. This has been extremely frustrating especially with school coming up for my kids. I am beyond annoyed and frustrated…. I have been loyal and I have made no mistakes. I would love if they had a way to resolve this stuff but Instead they just tell you your screwed and throw their hands up and say they did everything they could. Pathetic and disappointing…. Update: seems they have fixed the issue. Reversed my rating accordingly. When this app works it’s awesome..Version: 3.202.1

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

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

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

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

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

For those who can almost afford to pay up frontI’ve used this twice now; once for a computer and once for a sauna blanket. I couldn’t have done it without Affirm. I’m grateful that this exists. Thank you!.Version: 3.218.0

AffirmAffirm is very interactive but I find it complicated to set up.Version: 3.214.0

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

Awesome appThank you afirm.Version: 3.222.1

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

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

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

Easy to useThe whole process is easy from the application to the payments. There a lot of communication..Version: 3.218.0

Great so farThe app is very easy to use, clear and straightforward..Version: 3.227.1

PaymentsVery easy to use.Version: 3.222.1

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

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

Totally RecommendQuick and easy to apply for loan. Affirm app tracks your payments and makes it quick and easy to make payments..Version: 3.218.0

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

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

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 C.cards, 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

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

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

Very easyNice.Version: 3.225.0

AppleThey give you a lot of information and they are very nice.Version: 3.214.0

Live in the Now !!Great app to get what you need today and not worry about paying ridiculous fees. Easy payment Schedule with automatic payments. Highly recommended!!!.Version: 3.210.0

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

Good companyIt’s easy to understand your transaction with them using their app. Thank you. Kudos!.Version: 3.222.0

AffrimFaciliter a faire payment et le tous est bien détaillé Merci Affrim pour m’aider dans ma situation financière.Version: 3.225.0


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