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. [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
2. [R59] 1/5 · US Worthless company: I decided to buy presents for my cousins. I used affirm, it turns out I can’t order anything, but they charged me the down payment! When I try to reach CS 5 different AI consultants couldn’t help me.
3. [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
4. [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
5. [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
6. [R18] 1/5 · US Keep away- They will harm you: Affirm is the worst company I’ve ever interacted with. They charge exorbitant fees for the price of their absolutely horrendous “support” that not only fail to resolve every issue brought their way, but actually manage to make things worse. This company should and will be at some point shut down simply by the vote of its customers leaving. It deserves much worse.
7. [R20] 1/5 · US Fraudulent charge: I did a business with you. I don’t know who you are. I don’t know what purchase you’re talking about so you think I’m just gonna give you 20 bucks cause you’re gonna lean on me. It’s time for the Fraud, please
8. [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.
9. [R75] 5/5 · US Flexibility: I love Affirm with its many shopping options and flexible payment plans.
10. [R111] 5/5 · US Great Tool: I’ve been using Affirm for a couple of years, now. I love the flexible payment options and the interest rates (if any) are straightforward. Hopefully the credit bureaus will one day take the on-time payments into consideration for credit score improvements. Meanwhile, I will continue to use the services, as needed.
11. [R3] 5/5 · US Very reliable: I really love how easy I can solve problems with this credit
12. [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!
13. [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.
14. [R36] 5/5 · US Love it!!: I absolutely love Affirm!! It is so convenient for me. I try to pay each one up early to save a few dollars and it works wonderfully well for me. Try it!! You will love it too!! Thanks Affirm!!
15. [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
16. [R71] 5/5 · US Great loan: Easy to apply and quick response good to build your credit .
17. [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.
18. [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
19. [R58] 5/5 · US LOVE: I absolutely loooveee affirm $0 down $0 in interest with reasonable prices n times 🥰🥹thank you so much. So greatly appreciated rn
20. [R65] 5/5 · US Love you!!: Thank you for this app! I love the variety I stores. I’m able to make payments easy and I am very happy. Best app on the net. Thank you for the great app!!
21. [R123] 5/5 · US Affirm should be the top of the apps on the iPhone list: Affirm is an amazing app that I’ve been using since a year. It’s flexible easy payments a month with major online stores like Amazon, EBay ,Walmart, Expedia just about any store. It’s amazing and very convenient and helpful when you don’t have the money upfront to pay for an appliance that you really need an emergency and then you can make
22. [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
23. [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.
24. [R19] 1/5 · US Unreliable info: Completely at a loss with this app. I make all my payments on time just to be denied due to “repayment history” . It says im approved for a dollar amount that is constantly switching at random despite me making my payment on time, then doesnt even honor it the dollar amount im supposedly approved for with little to no plausibility. Makes absolutely no sense
25. [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.
26. [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
27. [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 .
28. [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.
29. [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
30. [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
31. [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.
32. [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.
33. [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