Reviews for Affirm: Buy now, pay over time

I have used this method to purchase item's, about 4 times, it is so easy and allows for lot's of Christmas. Plus most purchases don't require any extra money ! ! Think it's a great way to shop. Ty, Carla 9/22/25: I've used this method to purchase items, no interest, no long payments, reasonable prices and payments are low. This is a good program.

I love Affirm! I would give them a 10 star rating if I could! So convenient, quick, easy to use, available pay option at so many Businesses, Stores, etc. They are excellent for credit limit raises when you keep your account in good standing order. I also love the option of choice in how you want to pay over time. They calculate and include the interest depending on what payment plan you choose. They are upfront, transparent, and trustworthy. I highly recommend!

Always been a great financial option. Flexible, friendly, and even easier to use with the card option. Affirm has approved so many different purchases over the years. Affirm has approved car parts, home goods, Christmas time shopping, clothes, and jewelry. You name it, they have covered just about anything you could want to purchase over time. Cannot say or express enough positive feedback for how great Affirm is. As always, thanks for the great service. You have a customer for life.

The application is great! I've found it very convenient when I have a hankering for something a bit pricey and need to split the payments. However, I find myself accidentally backing out a lot as the little arrow and swiping left don't do the same thing while in the app. Doesn't reflect what I think of Affirm as a whole but the app could be tweaked juuuuuuust a little. Instant Edit: Wow, I'm silly. I had an update I needed to download for the app and, lo and behold, they fixed my issue! 👍🏻

I absolutely love this app! I've never had issues with Affirm and they are my go-to anytime I have an emergency and I need to pay something right away. They have super low fees or no fees at all, depending on what payment option you choose. They give you multiple options as well. I would ABSOLUTELY recommend this company. I would also give them a million stars if I could! Their customer service is SUPER FAST! I asked them question about my loan concerning a refund, they fixed it in 2 mins.

I'm a fan of the service in general as it has been very helpful and straightforward. The app is overall very easy to use. I don't like the changes made to the Manage section. Previously I could see the amount and date of the next payment due with just one look. Now I have to click each payment separately just to find those details. I hope it reverts back to the previous format because this new one is rather annoying.

Horrible account design. Your account is attached to a phone number, so if someone else has the number before you and had made an account, they will show up when you use that number to log in. Even though they can adjust it, it still doesn't work on other sites because it thinks it still belongs to the other person. This is a bad design when phone numbers change.

I really enjoy both types of affirm. The one you can shop online with and the one that can be used in stores. I love the options you have to pay it back. You can pay it off early with no penalties. I think what I love the most about affirm is you can set up a savings account which you forget about and wham-bam you have paid off another purchase. Ty affirm I have been able to buy important items that I would not be to with other ordinary cards.

Absolutely love this app. I have been able to work my way up to an amazing credit level by paying my credit early or on time. This is an excellent way to get what I need and to build my credit. Thank you Affirm! EDIT 3/3/25: After being with Affirm for close to 1½ years, I depend on their consistency, promises, and a large variety of places to shop, keeping me on top of my credit balance. I never have to worry when I shop with them. With steady & current payments my credit score has increased!

Member for three years. I gave it previously five stars!! I have two loans with two payments from Amazon, that will end in two months. With a perfect payment record, I applied for a new item at Amazon, for about $190.00. I had to do a pre-approval by Affirm. I was refused, with the available purchasing power of $2,980.00. That makes no sense. I might remove and close this application after the final payments are completed!!!!!!!

Great option to pay over time at MANY retailers & other locations. Caution - interest rates can vary to very high (33%+) if you don't have the best credit. However, if you can pay off early, you CAN save a good amount of that interest. My only concern is whatever Affirm's arrangement is with ShopPay, there seems to be a HUGE disconnect. I am pre-approved for thousands of dollars on Affirm (not currently being used) yet ShopPay keeps saying they can't validate me with the same info?!?

Surprisingly straightforward — both the app & the Affirm "program" itself. The interest that they will charge for each purchase is clearly shown, up front, with options to pay smaller amounts over a longer period (more interest in the long run) or larger amounts over a shorter time (less interest overall). Over the past year & half, I've used it for 8 orders, two of which I've paid off, with no surprise fees. And the interest rates they charge are scarecly much higher than most credit cards!

When it works, Affirm is a very fair, very reasonable way to pay for big purchases -- when it works. The problem is that you have to jump through so many damned hoops to get it to work or to verify your existing account that it is a genuine hassle to use. Purchases can be lost by random time-outs, the app refusing to access your device's camera (which it has permission to), or any other assortment of random things. Definitely a mixed bag.

it took a bit of understanding to make purchases without having to pull out my wallet, like this one time I could not find my wallet anywhere and needed to book a flight and within minutes I received a credit card number, expiration date and code to put in the registration. It was that Easy! I then tried to figure out how much interest I would have to pay, let me tell you it was 0.00 for the 4 broken down payments, afirm way to go.

Love this way of payment. It's my own way to go back to layaway plans, convenient little payments, easy-going, friendly app. The app is fabulous. Keep you updated all the time about your balances and payments, plus you received a reminder every time you're going to have a debit payment on them so you can be aware of your upcoming payment and keep your budget on mind. I love it too much! Have been using it for more than two years and never had a problem with anything. Thank you. Awesome idea!

Quick approval. Approved for a limit more than I asked for. Convenient because once approved you can use it online or in a store. EDIT. each purchas is counted as a seperate account. so every time you pay off a purchase it shows as a closed account on your credit report and lowers your credit score. I I am no longer using and will be deleting as soon as the last one is paid off.

It is nice to have an option to pay over time if you didn't expect to make a purchase any given moment. Affirm has been very helpful in this way. Use of there phone app makes it very convenient to see your offered lending availability, details of a purchase, when payments are due etc.... You can shop within the app or online at any merchants site and take a look if merchant provides Affirm as an option. Only negative would be high interest rate but it seems every bank/lender has high rates.

it's weird how I get a $700 credit, use it, then pay it off and then try and get another credit only to be told I don't qualify because not enough time with credit history. I had less of a credit history when they approved me the first time. I've realized One Pay and After Pay will give you another credit as long as you pay off each credit you get!! It Seems like Affirm doesn't look at your payments made with them or that you pay it off but at the spread sheets with the #'s to make theidecisions

Affirm was wonderful when my wife and I started using it. We made several purchases through affirm and paid the $1200 balance off in a few months, if that. The second time we used it, we had all payments set to autopay, only to find out when we opened the app we had missed payments due to Affirms error. We still have purchasing power at many places, but when we aren't able to use any of it due to this.

Affirm has been an absolute blessing for me and my family because it makes purchasing expensive items so much easier. As long as you have a job/steady income and a bank account, you're able to pay over time (usually around 3-18 months, it gives different options). I've been able to use it for both planned and unexpected purchases. Making on-time payments and successfully completing purchases improves your credit score too. Highly recommend!