Affirm

I really enjoy having Affirm as a payment option, especially on large-ticket items ($300+). The only downfall is that your line of credit may decrease based on your credit score, regardless of your history with Affirm. I don't have perfect credit, but I do have an excellent payment history with this company, and they have lowered my limit to $500. I did have around $1,000 at one point. I've paid off several loans, and made my payments on time, but they still decreased my limit.

Absolutely willing to update if changed, but the new version is pretty awful. Previously there was a screen that showed how much was owed in a month and could be refreshed so you could ensure you were paying your bills in order. Now the only screen you get is one that lists your loans out of order with no monthly totals. This switch was a pretty massive downgrade from what used to be an incredibly user friendly app.

Love the app. Affirm has helped me out in so many ways! And for that I've never let them down. I've paid early, on time. Never had any late payments. I'm really grateful for affirm. Started off with a $500 spending limit, I'm now at 5k. I rather use Affirm then my credit cards. Only thing I really wish that affirm can provide, is a built in calendar in the affirm app. That way it can show you your upcoming payments in order. Because when I go to the manage tab their not in order by date.

I initially used affirm to help build my credit and help with big ticket purchases. However, they only reported my very first purchase. I've had multiple, more expensive and longer payment plan, purchases since and they have yet to be reported to the credit bureaus. Other than that, I love everything about affirm, especially the no penalty early payoff.

This app is easy to use but needs work. When using the app and shopping on certain sites the app doesn't render the page correctly. For example when on Kohl's site it's set to desktop and there's no way to switch to mobile. Images are stretched out so can't make out what anything is. And there are a lot more sites with this problem! Also app is a little buggy and choppy when navigating through the app.

Update - so I have to originally change my review of this app/company. I've been dealing with this company for some time now and I don't know what happened but I've had nothing but a positive experience from it. Started off with an initial credit of 500. Was able to make a purchase this time and have made my payments on time. One on time payment and my limit went up. I've had no issues with the payment system or the items. I would recommend this now even after my horrible first experience.

Update I love the ability to purchase items needed and paying over time rather than using up credit card balances. The app allows you to prove your credit worthiness by paying your bills on time by giving you higher buying power like a credit card but faster. By paying your bill on time or before Affirm may give you more buying power. Better than most credit cards which may take 6 months to a year to raise your credit card limit. I'm a hard sell but Affirm made me believer.

Wow! This app is wonderful. It has changed my life for the better. I can't say enough good about it. The app works flawlessly and after 3 purchases and 1 return, my experience has been impressive. I received merchandise quickly, on time. Returns are not a nightmare if you can believe it. I even had my money back within 3 days that I had paid for the return my merch. Good credit, bad credit, this is for everyone. Totally Recommend!

It certainly makes things easier when you can spread out a purchase over for payments! It helps the poor man out! I would highly recommend! I had a pre-approved spending amount of $500 originally and I bought one part from them and paid it in for payments but I paid it off in like a month and a half and the next thing you know my limit was $1,950! It's just after one purchase from them and paying it off ahead of time! Would highly recommend to anyone! You can shop from any store in the world!

Have been with them a year. Easy to use, easy to get approved, low easy payments. I changed my star ranking. I have always paid on time no late payments ever. My credit dipped for 1 month and they took my whole account away. We didn't need affirm anyway. Just was easier than using cash or a credit card. What a same to lose a customer because of this.

Very easy. Makes payments easy to deal with. They were also helpful during pandemic and were willing to be flexible. I didn't end up needing the assistance but it was there. Nice touch!! Also You can pay your minimum early and not get hit again Till next scheduled payment. Pretty easy to work with considering the alternatives. Way better than a CC because you have to finish it within a year.

All I can say is Affirm saved this past Christmas. I didn't know how I was going to do anything and then I saw the ad for it. I checked it out did a little homework on it and decided to go ahead and apply. Was approved with in minutes. As soon as I charged somethings, it let me know my total amount, my monthly payment, how much interest and the dates due. Plus you can pay it off early with no penalty and less interest. Best part was the payments are reasonable and worked in my budget.

I been using Affirm for Almost a year and it's been phenomenal. I pay everything in 3 months and it's been great. Great Customer Service online and by phone. The Customer Service is what keeps me coming back because they are always willing to serve you. The service with Affirm is very easy to use and helps with your credit score when you pay on-time. I hardly use my Credit cards and one of the best things is that they are partners with a lot of stores.

This app is great i now used it many time to purchase whatever i wanted. Hey you can even take a trip if they give you enough credit, many airline choices plus 0% APR is the best. As long as you just agree to their very easy terms and make payments on time. Which isnt hard because they tell you what your monthly payment will be, plus you have a choice of how many moths you want to pay off your account. But if you need to chat you get to next in line and get disconnected 3x same issue thats why

App needs to be easier to use. Its too confusing and I'm pretty tech savy. Also, I have found that shopping instore with a virtual card is worthless. Many nationwide stores, i.e. Lowe's, Home Depot, etc do not accept contactless payment. I experienced that over the weekend after an hour of shopping and with a cart full of home improvement items and flowers for outside planting. No go for contactless pay with Google pay. Very disappointed 😞

I have thought it was great. I paid a TV off early and everything. Now they don't want to do business with me any more. Oh well, I got a credit card with a big enough limit from the store I was at to cove the purchase 3 times over. I would definitely not recommend affirm to anyone.

Worst experience almost ever. Customer service AI message system is trash. Tried to do a virtual card to make a purchase at best buy didn't work out to well. Best Buy says the number is a pin transaction and there isn't a pin for the virtual card. Customer service agent kept saying try to create a new card like he didn't understand the problem. The app is saying I owe a payment even though I haven't been successful in making purchase. Customer service help is horrible and overall bad experience.

The app works but Affirm is the problem. I returned the two items I purchased so I would not have to deal with them. The stores did the refund and my balances are zero but I still cannot get a refund for the down payment on one of my purchases. Contacting Affirm is almost impossible! TERRIBLE CUSTOMER SERVICE!!!!

Helps me get the things I want and is part of my building better money habits strategy. Makes things possible. In-app browser and in-app links need performance improvements. Will not move the correct selection to shopping cart at times. Make sure to review before you submit the purchase because of this issue. There is a work around if you build your cart outside the app first in your normal phone browser and then reopen in-app shopping carts.

I attempted to purchase an item on Amazon and Affirm issue me a low ball virtual Visa card that caused the entire transaction to be canceled because they did not cover the entire purchase amount after taxes. I am very disappointed in this program. No stars if I could.. 05/17/22 App screwed up again at Home Depot. I pay my bills on time the least I can expect is a good app.

I've only had really good experiences with Affirm. The app is user friendly, once you learn how to navigate it as is most all app. The only disadvantage is the interest rate is extremely high. When I don't want to put a purchase on my credit card, I use affirm. Again, the interest rate is terrible but all else works really well.

I haven't had a problems with the app overall.It's been a pretty good experience, the payment plans are flexible and I have opportunities for credit increase.The only thing I find annoying is trying to online shop through the store all the sites seem to lag in response time.I'll have to refresh the page which sometimes helps but then it lags again or it will empty my shopping cart so then I have to start all over again.

Have used this app for years. Have enjoyed purchasing things we wanted to fix our home with and watching it get paid down quickly. Transunion and Equifax locked my account because of their issues with a break in their system. So both of those accounts are locked. Which made my score go down 12 points. I pay my bills and this is affecting my even buying a graduation present for my granddaughter. Not happy 😒!!!!

Affirm is a scam. They can change your contract after you approve it for a certain amount and add more. They refunded me 1 payment and said they did 3 times. They expected me to provide proof of the amount refunded. My contract was paid in full but since they can't provide proof of what they paid me and still expect me to pay, this is bull. Use at your own risk. There contracts are only binding to there needs.

The app is experiencing a serious issue that I've brought to affirms attention more than once & either they are to lazy to check into it or are completely unaware and that would be even more embarrassing. I can't make a payment on the app at all. Under the "manage" tab I go to, to make a payment, I click on the payment I would like to make and it takes me to a page with a T-Rex trying to pick up a dollar bill and it says in bold letters "Please Refresh this page" refreshing the page doesn't work

I use it for purchases over a certain amount. It is very easy to maneuver, the options for payoff is great, and you can pay off sooner should you choose. This is the best thing for anyone, particularly those who fall in the mid-low income range, plus it can help boost your credit. And too, many major vendors use Affirm.

Like the app, but the BIGGEST issue is if you you mistakenly type the wrong amount to pay. The app or desktop doesn't allow you to cancel the payment. Even though on their question& answer info tells you how to cancel a payment doesn't work at all. And if you can get a customer rep on the line, they tell you that nothing they can do for at least 3 to 5 days after payment received. Needs to ask for confirmation like other apps if correct amount before processing instead of just going through.