Affirm

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

1. [R4] 5/5 · US Comes in Handy: I enjoy using the app and like that it lets you choose your payment plan options. One thing that could make the app better is being able to select multiple orders to pay off together.
2. [R7] 5/5 · US Buena opcion: Funciona tanto para ahorrar el dinero accesible de tu cuenta bancaria como para darle poder de crecimiento de credito .Siempre me ha funcionado , Affirm me ha dejado viajar varias veces y nunca me ha fallado en mis compras de viajes, escolares y/o personales. Ademas que con un pago minimo incrementa el poder de compra $$$. En mi casa amamos Affirm!
3. [R26] 5/5 · US Happy person: Affirm has given me an opportunity to get what I need when I need it and just pay off as I set myself up and commit to the payment. I try to pay off before any interest kicks in. Generally, that gives me several weeks or so to do so. This has been a godsend when I had a tough time in the past so I could continue to use it if it’s not a business expense
4. [R75] 5/5 · US Flexibility: I love Affirm with its many shopping options and flexible payment plans.
5. [R61] 5/5 · US I’m grateful for this App: It is a fact that we all experience hard times. I am delighted to have discovered this App, which has been instrumental in helping me navigate those difficult periods. I have been using Affirm for years and would like to express my deepest gratitude for their help in getting me through those tough times. Not only has Affirm helped me through those challenging times, but
6. [R71] 5/5 · US Great loan: Easy to apply and quick response good to build your credit .
7. [R139] 5/5 · US Fantastic Way To Pay: I am between a rock and a rock and no money. This is the best way I have found to help pay for purchases that I need. It has helped me build up my credit up. Also when I do have extra funds, I go here first. And making payments or paying off one of my loans.
8. [R22] 5/5 · US Absolutely love Affirm: I love that I can purchase items freely without the fear of being denied credit. Yes, I love Affirm.
9. [R56] 5/5 · US Thank you: Thank you for helping people like me make dreams come true.
10. [R1] 1/5 · US Non existent customer service: I’ve had a minor technical issue that should be easy to resolve yet their service is a maze of AI bots and human chat agents that close the conversation before it’s ever started
11. [R6] 1/5 · US Got declined at checkout after approved: I picked a plan and everything. Approved for the purchase. Added the card to apple wallet. Got decline at checkout. Support really don’t give af. They be trolling you. Don’t do business with them .
12. [R8] 1/5 · US Not customer friendly: I have been using this company for years and in the beginning they were good I didn’t have any problems. In the last year or so things have changed. I don’t get approved for anything anymore, even though I always pay everything off in a quick manner. When I ask, what’s going on they tell me pretty much a automated answer, even if I’m talking to a human anything is going on.
13. [R15] 1/5 · US Customer: I am extremely dissatisfied with Affirm's customer service. I had to repeat my issue many times and received inconsistent and incorrect information from multiple representatives. There was no way to identify or track the representatives I spoke with, resulting in a lack of accountability. After nearly 50 calls over more than two months, my issue was still not properly resolved despite ca
14. [R5] 1/5 · US Bs purchasing power: Says “YOU HAVE $700 SPENDING POWER” but yet it can’t give me any plans for a $200 order? AI assistant says the $700 is an “estimate” which would still make no sense not being able to do anything with a $200 order not even letting me pay half up front. App is pointless and misleading
15. [R9] 1/5 · US Spending power is a lie: Needed to use Affirm in an emergency and was relieved to see my spending power is $2680, except it was all a lie. The reasons they give don't match their own terms. If they'd have been honest upfront I could have figured out another payment method in time, but I'm missing vacation with my family because of deadlines hit while hearing false information from support.
16. [R12] 1/5 · US Sucks: Waste of time. Can’t delete account support is a waste of time. Got approved for a lot in purchasing power can’t use it. This app and company is ridiculous delete my account. You’re violating my rights as an American citizen.
17. [R16] 1/5 · US Predatory: I kept a perfect history with affirm at one point I had more than 2k out and showed available a balance of a few hundred so I paid all of my debt off expecting to use a portion of what the app said I could only to be denied any credit. My score was lower than it had been but my credit with affirm was perfect I guess that didn’t matter funny I would have had better credit if I didn’t mak
18. [R13] 2/5 · US Help: I can’t log in to my account I need to log in there to switch my account card the one I have is the credit one and every time I try the app says you can create an account at this time but hey I already have a stupid account which by the way has a payment which I need to update am trying to login but the app says you can’t create an account at this time which by the way is wrong I do already
19. [R24] 1/5 · US Can’t be used.: Every time I open the app I get a message saying I have to update. I update and the App Store says that there are no new updates. Then I try to open the app and it says I have to update. I can take a hint. I deleted the app.
20. [R44] 3/5 · US APP is not great: The cool thing about this app was that you could enter your passcode and begin shopping. Now you ask for a text verification and then have the audacity to also ask for an email verification as well. It’s too much! Idk why you had to change it.
21. [R49] 2/5 · US Updated the app, now I can’t log in: I had to update the app today or else I couldn’t use it. So I update it and now it won’t let me log in. It just sits on the loading screen. Hopefully they fix it soon so i can give them my money
22. [R17] 1/5 · US Failed Payments: If the payment fails, affirm will still hold your money for up to 10 days. Payments fail often. Klarna is much better and reliable. Don’t use affirm
23. [R78] 3/5 · US Too long to process payments: I would give them 5 stars but they don’t process payments quick enough for me.
24. [R102] 3/5 · US Down payments: The app is great , but i have had this happen several times , when setting up a plan , i am charged a down payment but the plan disappears in the app or gets voided out without me even using it , and this happens immediately , so then i am left without that money, for 7-10 days
25. [R288] 3/5 · CA Non-effective: You can only use debit card. They take about a week or more to process the payment completely before they deduct it from your debit card. The only advantage is that a lot of apps offer it as a method of payment by instalments.
26. [R25] 1/5 · US Paid 1 Day Late 1 Time: I have had Affirm multiple times and always paid off the items on time and even early. My last account I missed the payment by 1 day and then a few weeks later paid off the account, ever since I have been denied for purchases I received a response and they think I am confused, but I can assure you, I am very aware of what the problem is. The problem is Affirm, I won’t be u
27. [R46] 1/5 · US Stupid policies, only use affirm for small purchases.: I missed a payment by literally 1 day. You know what affirm did? They took away my $1,006 purchasing power and locked it up. The payment i missed was the last payment scheduled. I have not been able to use affirm since then for any purchases even though the app says my purchasing power is available at select stores. Thats a lie. It wont let me
28. [R132] 5/5 · US Scammer App!: You can fulfill 100% of payments but the second the exact second you miss just one, they’ll get you! Save your money & boycott PNBL Apps, to keep more cash in your wallet each & every month, tired of this BS!
29. [R70] 3/5 · US Update your system to combine multiple payments.: You can combine payments on other platforms like after pay. You should be able to here. Upgrade your system.
30. [R94] 5/5 · US Allow multiple payments at once: Great app but can there be an option to select multiple payments due and pay at one time. Other apps like Klarna allow this option. Going payment by payment can be tedious
31. [R267] 3/5 · CA We MUST HAVE a Dark mode!!!: This app needs a dark mode. Use it at night and you’ll burn your eyes out. Also I want the abity to select multiple loans and with ONE click pay my payments with them instead of going one at a time. It’s the smart thing to do.
32. [R11] 1/5 · US Amazing App, very friendly: I have Location Notifications turned off and I STILL get push notifications for stores. “Bed Bath and Beyond takes Affirm.” It’s so predatory. So I chat with their AI Slop who doesn’t even know where the settings are and gives me runarounds like a chicken with its head cut off. What a useless chat feature. If I meed Affirm again with my $6,700!purchasing power then
33. [R21] 1/5 · US Annoying: Has ad notifications that you can’t turn off
34. [R241] 3/5 · US Its okay: The real issue is the relentless messages from Affirm. You accidentally forgot your 12$ payment, thats crazy. Affirm will send (sometimes) 3-4 messages back to back to back. At ALL HOURS just to get that 12$ but if you want a refund, itll take 2 weeks.
35. [R28] 4/5 · US Help: Can you’ll please update the app and the website, neither are allowing you to access all your cards you want to use for a purchase. You have to delete the cards that you have on file to get to the one that you’re trying to use and have to add them back after you deleted them.
36. [R34] 1/5 · US Annual income: I can’t put in my annual income. The button is covered up by the number pad. iPhone 15
37. [R29] 2/5 · US Horrible Customer service but great app: I have used this service several times in the past and always paid my loans on time. Last week, I paid off three separate payments on three different loans. The payments were successfully charged to my account, and I never received any notification indicating that any of them had failed. This morning, I opened the app and was shocked to see that all three
38. [R33] 1/5 · US Can’t Pay My Bill: Hey Affirm. I’m behind on my bills because all of a sudden you stopped accepting my Mastercard. I have money on it. This has to be resolved if you want your money. And you’ll have to email me or correspond through text because I’m not talking to a foreigner.
39. [R30] 3/5 · US Purchasing Power: Purchasing power is annoyingly inconsistent. Like if I’m approved for a certain amount, tell me that. If I’m not approved, tell me that. A constantly fluctuating number is not helpful.
40. [R55] 1/5 · US Algorithm is broken and customer care is a copy-paste bot.: I have paid my loans on time for months, proving my reliability, yet Affirm’s volatile algorithm randomly strips away my purchasing power at checkout for absolutely no reason. Don’t bother pasting your generic response about how "results may vary" or "each loan is underwritten separately." I already see you spamming that under every 1-sta
41. [R23] 1/5 · US Terrible Customer Service: I strongly discourage anyone from using this app. I spent over a month trying to resolve a dispute and obtain a refund, speaking with approximately 10 different customer service representatives, yet no one was able to provide a resolution. On multiple occasions, representatives ended the chat without addressing my issue. I also spoke with two different phone representati
42. [R151] 5/5 · US Love this app!: Have used this app for a couple of years and it’s great. Really helps improve your credit score as long as you make your payments! But in the last few days, after the update, it won’t load? Keeps taking me to safari page, but I don’t use safari! Keep turning phone off and starting over but nothing works. Now have to use desktop version😕
43. [R69] 1/5 · US App Crashes on Opening Since Update: The title says it all, I haven’t been able to use the app since the last update. Loved it beforehand