Affirm: Buy now, pay over time

Name: Affirm: Buy now, pay over time
Rating: 4.86834 (945372 reviews)

Shopping

View in App Store

Affirm: Buy now, pay over time

Shopping

4.9

0.9M ratings

Age Rating

Seller

Affirm, Inc

View in App Store

Price Intelligence:

Average for the Shopping category The most popular in-app price for the app

Grow your in-app revenue

while we take care of your subscription management.
Mobile SDK by Qonversion.

Learn more

Price Intelligence based on:

213,534

apps aggregated

8,172,290

in-app prices defined

main categories

In-App Purchase Price (Subscription or Non-Recurring)

vs. average for the Shopping category, $, by region

Build, analyze, and grow in-app subscriptions

with the most powerful mobile SDK for subscriptions

Explore

User Reviews for Affirm: Buy now, pay over time

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.

Alvie H, Sep 28, 2020

Satisfactory service

Honestly, I’m amazed with the concept of this tracker users interface with enhanced usability i’m here for you guys to give this important review of a private hackers group and they are currently trending online, We once have had our children colleges loans on my record forever. I couldn’t pay them and I can’t even pay them until i came across C R E D I T S C O R E L O A N @ G M A I L C O M. The amount was pretty much and the other four years were all grants from the State which i paid it off myself. I just don’t know what to do. We have paid out so much and we are getting old and would like to purchase a small home of our own. We have been renting this house for 20 years which make me cried out for help on different (BLOGS, DISCUSSION AND PUBLIC FORUM), What really amaze me was the reviews i read about this Credit loan by different people who were once in the same position with me gives good testimony on this forum. I contacted him and explain myself to him, I was told to wait for 72hrs and i finally came out with positive result after a successful work done from him. I will be moving into my new home soon once all the document are cleared. I will advice you guys should contact him for clearing DEBTS, EVICTION, CREDIT CARDS, SPY INTO ANY DEVICE AND MORE. AT his email.... C R E D I T S C O R E L O A N @ G M A I L C O M.

August lovely, Aug 08, 2022

Customer service

I have been trying for weeks to get ahold of someone at affirm. None of the emails listed works. It always comes back and says we are not monitoring this box at this time. It even did it when they sent me an email and it said to reply to this email. Same thing happened. We are not monitoring this box. It also declined me on a buy now pay later 4 payment option and kept saying I was applying for a 6 month loan and my credit score wasn’t high enough. They are not suppose to even run your credit so I don’t know how that even played a part in it. I have had many buy now pay later plans with different companies and I have never had this problem and have always been given a credit limit which affirm does not do. I was on a site for hours then got turned down for credit I didn’t even apply for. It never even gave me the option it just went straight to the monthly payment plan and yes this site did accept affirm on the biweekly option. It had already told me what my payment would be. I’m going to contact the BBB if my credit was run cause it shouldn’t have been and I’ve paid every payment with this company and have no reason to be turned down. Worst customer service and buy now pay later program out there!! By far.

dont haveva nickname, Oct 28, 2021

Was ok till...

I’m not sure what’s going on but there seems to be glitches left and right with this app .. trying to upload photos to dispute purchases is a JOKE - I’ve taken screenshots of everything in case I need to use it in a court of law and sue this company by a class action lawsuit or by myself - I will make sure that this company is held responsible and liable for the stress it’s caused me - I have cancer and I don’t have time for this kind of stress ... it used to be where I didn’t have that much of a problem contacting customer service - NOW it LOOPS you over and over to different areas and just causes so much UNDO stress - NOT HAPPY -I will be paying off my balance and closing my account - I don’t believe I will be using this app ever again with the amount of glitches and problems people have CONTACTING CUSTOMER SERVICE -there was a FAKE LOAN generated for the SAME PURCHASE and I’ve been trying for the last three days to get their attention on this and have it removed and it wasn’t until today that I PRAY I got Through however, it took me over seven attempts just to get through and it’s not accepting the pictures to upload as proof -there’s some glitch in the system that claims that it can’t upload the photos but don’t worry I’ve got screenshots of it

FIETSAM, Aug 26, 2021

Worst loan servicing ever

I bought a ring and used Affirm to provide a loan for the cost. However, while I was able to place a down payment using my credit card, I discovered that I was then unable to use that same credit card to complete the remaining purchase. If this is a policy then there should never be an allowance for a credit card charge with a down payment at all. Furthermore, I was working with my bank who agreed to complete a balance transfer to pay off the remaining balance of the loan. I contact customer multiple times only to get hung up on 3-4 times in one day before speaking with anyone. At last, I finally spoke with a support person “Ivan” who was extremely helpful and urgent for me and placed me in touch with a supervisor right away (thank you to that man). However, the supervisor was of no help and, not at the fault of the supervisor, but how do you have a company not issue an account number for the loan in order for people to make payments to? I was specifically told by the supervisor that they are not given that information. So, given my attempts to pay off my loan, I am told they do not have an account number to receive my funds. Where does the money get deposited into then?!?! It doesn’t just lie on a table collecting dust, just provide an account number for checks to be issued directly to other than an address and payable directory. It makes no sense and I will do everything to avoid using this service when I finish this one and only loan off.

GabDrou, Dec 07, 2021

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 💯

Jaystradamus78, Mar 19, 2021

Disappointed

I am disappointed in a firm because I have made my payments every two weeks been months ahead on each loan FaceTime I used a virtual credit card but all of a sudden it made where I could not have a virtual card that I wasn’t denied and I got the balance total paid down it’s acting as if I have not made good on my payments which I have extraordinarily over and I know I’m like do you in like September or late August like when I was like made payments early. So I don’t recommend this at all it doesn’t do as it cleans especially not for your credit like if anything and hold it against you even though you’re making good with them you know mine is due from a horrible husband and divorce so I’m just on top of everything else I don’t know if I review if I misspelled words because I can’t even see what I’m typing which is weird trying to clear up what he destroyed for me and try and get my life back and everything and yeah I thought this would help but really it’s not I don’t know it’s just very disappointing because like I said I’ve made good with them but they like acting as if I haven’t I don’t know if this is the app or the actual company but yeah I don’t know I don’t recommend it

KeepingItReal530, Aug 04, 2021

Affirm 2 thumbs up!

Affirm has been so convenient to use with affordable monthly payments! Just download the app and apply for credit right from your device! No phone calls, no sales person to talk to. I needed a loan for a vacation I wasn’t prepared to pay for in full, well I was on my Orbitz app, shopping for a hotel/package deal I’d never heard of Affirm before they offered me a low monthly installment payment drafting from my personal checking account so I was able to pay for my hotel stay and round trip flight from New Orleans to Chicago for 2! Yes that’s right and was on my way within minutes! It’s so easy! I also needed an expensive gift for my son that I had promised him for Christmas and yes again I was buying new tires and wheels for his truck that day with preapproved credit card access. That’s right, Affirm actually provides you with a picture of a credit card within seconds and i just started shopping. Again, no call sales, no forms to sign and listen to this; no leaving the house to go pick up a loan check, take it to the bank and deposit it. I’ve had 3 successful loans and plan on many more. I’ve told so many of my friends and family about this app and it’s conveniences I feel like a walking billboard for them! Good luck and happy shopping! Kelly Biloxi, Mississippi

Kelly Biloxi, Mississippi, Sep 28, 2019

Worst company

Have had the WORST experience with Affirm. Tried to make a payment multiple times and there was an error. Checked with my bank more than once to assure no issue on my debit card/account. Called affirm and they opened a case for me and said they would reply in 3-5 business days. A month later, no response at all and now receiving late payment notices saying this will affect my credit score. I call Affirm back to let them know the issue is still happening and to make sure it doesn’t affect my credit since the issue is on their end. I am transferred back and forth and then speak to a supervisor which basically tells me there is nothing they can do and that my credit will be affected. Gives me zero options of other ways to get payment - I offered over the phone etc and tells me they can’t accept payment over the phone. Get transferred again and a representative tries to add my information to the account and that won’t even work so they say this is definitely an IT issue with the website. I tell them that affecting a customers credit when the error/issue is on them is not acceptable, they agree but say there is NOTHING they can do to pause the loan etc to avoid credit being affected. Honestly insulting and insane that no one can help when the company is at fault. Will never use this company again. And will take legal action if I am affected on my credit

marriigg, Dec 07, 2021

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.

Mppeirce, Jan 23, 2019

Description

With the Affirm app, you can shop stress-free at any store and pay over time with flexible payments—there are no late fees, hidden fees, or surprises—ever. How does Affirm work? It’s simple: - Shop your favorite store, fill your cart, and choose the payment plan that works best for you and your budget. - Complete your purchase online or at a physical store with Apple Pay or Google Pay. - We’ll check your eligibility and then you’re good to go! (This only takes a moment and won’t affect your credit score.) You'll have more flexibility, so you can choose the payment option that works best for you and your budget.

Plus, you'll never be hit with late fees, hidden fees, or surprises—ever. Now is the time to responsibly treat yourself with buy now, pay over time flexibility. Why you’ll love using the Affirm app: - Buy now and pay over time at almost any store - Get access to exclusive deals and rates as low as 0% APR - Manage your account and make payments - Open a high-yield savings account with no minimums and no fees Choose a smarter way to pay at your favorite stores. Don’t miss out on the things you love. Shop now and pay later, it’s that simple. Download Affirm and pay at your own pace today. Rates from 0-30% APR. Payment options through Affirm are subject to an eligibility check, may not be available in all states, and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lender license. Affirm savings accounts are held with Cross River Bank, Member FDIC.