Whether you’ve been a customer for years and paid your past purchases on time and all Paid off, this company will not verify your person if you have identity fraud on your credit. I’ve had to have identity fraud on all three credit reports as of recently, and not thinking on it went ahead to purchase an item of which I’ve purchased through affirm and paid off. (I’ve been an Affirm customer since around 2014). Once I was in the affirm app site, I received a message that I would need to be called and verified due to the identity fraud. I waited for a couple days with no call from Affirm. Though it stated it would call me 1-3 business days on the site. I decided to call thereafter and for three weeks straight spoke to different reps. Each rep would tell me they would call me back once I hung up the call. I never once received a return call. This company was great while I was able to benefit from it, but if you ever have identity fraud at your end, you will not receive the courtesy they state on their site to call you and verify your person over the phone. It’s been a waste of my time trying to connect and they ask me questions to then tell me there going to call and they do not call. I’ve deleted the app because it’s a no-go at my end with this company at this stage. Terrible service.
I have been using Affirm to make larger purchases for the past few years, and Affirm has enabled me to purchase 2 Rolex watches - one for me and one for my wife - which I most likely never would have purchased otherwise. The convenience of qualifying for a purchase, making the purchase, and then making automatic payments to Affirm on my purchases is unmatched - period! What I love even more, however, is the ability to have a savings account with Affirm!! Affirm gives me the ability to automatically deposit funds on a weekly or monthly basis, and as a result I have been able to grow a fairly substantial little nest egg without ever thinking about it! And as if things couldn’t get any better, Affirm allows me the ability to withdraw funds and have them automatically deposited into my checking account whenever I wish, which I have done a few times when unexpected expenses have presented themselves. I haven’t found an easier or better way to save money in the past, and this savings account has been a real lifesaver on more than one occasion. I highly recommend Affirm to everyone I know and anyone I meet!!!
Affirm is good for large purchases if you’re able to get approved. I had issues getting approved at first and my credit was good. Affirm doesn’t list a minimum credit score to qualify for a loan, but some websites state if you have a 640 or above, you’re more LIKELY to get approved. I don’t think that’s truly the case because I had a credit score well over 640 & I was still denied at first for small purchases less than $400. Then I was approved for a purchase of $2000. It doesn’t make sense at all. Every time I login in, it tells me I need to get pre approved again! My pre-approved amount always changes. I was pre-approved for one amount and when I logged back in, the amount was significantly lower. More than likely I will not use affirm again. I’ve paid off loans with them & even paid off some loans early & I was still unable to get another one. Another issue is, I doubled up on payments for one month, I thought it was go towards the balance for the next month & it did not. I still had to pay for the next month. If I would’ve known that at first, I would’ve never doubled my payment. Instead I would just continued to pay month to month. I’m not really sure how Affirm works but it’s a major headache. I will stick with other companies. The upside is, the interest rate isn’t that bad. Far less than other companies.
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.
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
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.
Affirm I believe is a good app. It helps you get where you need to get, buy what you need to buy without having to wait or pay the whole amount at once. But I’m so disappointed because I tried to purchase a package hotel+flight and the app Long me out. Out of nowhere. I tried again and to my surprise there was no money in my account. Then send me a email saying that “ the purchase got canceled, and I would get my money back 3-10 business days. Now I have to wait who knows if the whole 10 days to buy my flight when my trip is in 3 weeks. I don’t got the money in my account so I can’t even buy what I need from another place since they took all my money. I tried calling them and the answer I got was “It was probably a glitch but there’s nothing we can do for you but wait” I asked them if I could get it as credit cause I couldn’t wait more then a week cause the prices would go up and they said no. I asked if they could pay for the prices difference and they said no. I tried calling again because maybe the lady I was speaking to was new or maybe she didn’t feel like helping me and when the guy answered I got the same answered. I just don’t understand how I gotta pay extra money for something that is not my fault for a glitch that the app had at the moment. I don’t understand how a they would take all my money if the purchase never even went through.
Being a single mother on a limited budget, having an app like this is a godsend! Last October of 2021, my water heater in my house burst! After a good friend tried welding back together the corrosive broken water pipe on the tank, praying on a miracle since I didn’t have an extra 1k to spare at the time, I was stuck in bad place. As you might have guessed, there is no fixing a broken water pipe. Having no hot water for a week, I priced every water tank from multiple companies and tried moving money around to afford a new one. I found a pretty affordable one online and seen it was giving me the option to pay through affirm. So I downloaded the app and filled out the info to see if I qualified. Shockingly, they approved me for the $650 water tank and I only had to put $100 down! I think I had exactly $115 in my bank account at the time. What a miracle! 🙏🏼 With $50 a month payments, I was able to pay it off early too. I just used it for a 2nd time and finished paying off another expensive item. Thanks affirm for helping out us poor people afford things that we really need!
I wasn’t sure if I’d be approved because I have poor/no recent credit, but I thought I’d give it a chance since it said it would not affect my credit score. To my great relief, my proposed purchase was approved, and I was able to get my daughter many of the things on her Christmas list. Without Affirm it would have been a very meager holiday since I hadn’t received my child support payments recently. The application was very quick and easy, and I appreciate that I was able to select the term and monthly payment amount for my new loan. I was leery of high interest rates, fees or other catches, but I found my rate quite reasonable and there were no additional fees. The terms are laid out clearly in plain English. It was also very easy to make my first monthly payment on the app, and I like that auto-pay is available but not required because some months I will make larger payments, pay early and/or use an alternate account for payment. I really appreciate this flexibility. So far, it’s been a very positive experience. Only slight nuisance is the deluge of financial offers I’ve been getting in my email since taking out my Affirm loan. But that’s a small thing considering it saved Christmas.
I had a long and detailed review, written out, accidentally tapped the side of the dialogue box, and my review disappeared. Which is nothing to do with affirm, It’s an annoying issue with in the App Store.. so this review will now be abbreviated. Affirm, as a company in my opinion is outstanding. The app for the most part is very good also. I have only two small issues with the app itself. First is that Face ID does not work when I’m using My iPad, works fine on my iPhone (both of which are new within the last few months). Second issue is just in the appearance of the app itself. It looks like the app is the iPhone version of the app when using it on my iPad.. I recognize this “ issue” from apps i had years back that only had an iPhone version that I could install on my iPad. It leaves most of the screen black and only the very center is used for seeing the app. I wanted to give 4 1/2 stars but only whole stars are allowed within the App Store rating. These two small issues I have with the app are of only a small inconvenience and I can live with no problem. Just figured it’s worth mentioning in a review. Otherwise, I see no reason why I wouldn’t have given five stars.
I made an affirm account a year or so ago and stopped using it. Once i decided to start using it again I couldn't even sign in, so I kept entering my email so it would send me the link to verify my phone number like I didn't already put in my password and ssn. However, I never got a link and the app told me I have to wait 3 days or call the customer service number to verify so I called the number. Took an hour to get any answers or results, then after that they said they were gonna send me another email in 3-10 days to verify and I waited yet Another week. No email. Another week later I tried again on the app and after verifying my number and actually getting an email from the app, then it said "for security reasons you can't verify on the app call customer service," so I called customer service and had to speak with two different people. The first was no help and the second told me that my number couldn't be verified because the email that's been connected to affirm for literal years now, that they also just sent me an email in to verify my phone number is not verified. So they say they're gonna send me another email in another 3-10 days in order to verify my identity. At this point I could already afford to buy what I needed Affirm for, or I'll just use another service. -1 star, worst experience ever.
They are horrible at processing refunds. I bought a few Christmas items from Walmart with Affirm. I decided to return an item and get a refund. I sent the product back Nov. 28th. Walmart sent me a text message and email letting me know they processed the refund on Dec. 5th. I’m still waiting for a Affirm to process it over a month later. I have spoken with costumer service twice. The first time I was told it would take up to 45 days to process, and today I was told 60 days. Their site says it takes 3-10 days to process. Also, the representative I spoke to today said it shouldn’t have taken this long and she couldn’t tell me why. She suggested that I submit a “DISPUTE” and they would investigate it. Which is what I thought I was currently asking her to do. I was told to hang up with and go online to submit this “DISPUTE”. I still don’t understand why she couldn’t initiate this during our call. This is an inconvenience when already having the company on the phone with my account pulled up. Meanwhile, since my refund isn’t showing on my account I will have to continue to pay the entire amount due or they will report negatively on my credit report. I’m pretty sure that once I pay this account off it will close out and they will be even less inclined to refund my money. This is my first and last time using this service. Be careful!!!
Took away purchase power for no reason no explain either
lol I use affirm on 2 different items one was $400 and other is $250 something. Monthly are $73 and $58 I don’t have a problem been pay on time for 5 months. Never have an issue. I got rude from affirm saying I no longer purchase power went from $2000 to $0 without explain why this month. I decide to stop pay them. Affirm alert me said I’m late payment. Yes sure why don’t they explain me why I no longer purchase power from $2000 to $0. Today they kept alert me said need make payment. I contact them today they want know when I can make payment I ask them when can I use my $2000 credit limit when they took away from me without explanation they said they can’t explain I said ok I can’t explain to you why I don’t make payment. Let me know when you can explain it to me and maybe I can make payment. Told them call me when they have answer why took away from my purchases power $2000. Credit score don’t matter to me. I own 3 cars own 360 acres with 2 houses on and don’t have any lend/loan…..the affirm really screw wrong customer. They can ruin my credit score that’s ok. They are not going to see $73 and $58 until they explain it to me why they took $2000 away from me. I’m 2 months to pay off and they never explain me why took it away $2000 purchase power.
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 💯
I contacted your establishment nearly 1 week ago regarding fraud charges on behalf of my account to Fashion Nova and EBay. I DID NOT MAKE THESE TRANSACTIONS. I am VERY DISGUSTED AND DISAPPOINTED in the lack of concern your establishment has shown. I received a notification today that affirm found me responsible for the charges of which there has been no documentation or true investigation completed. These purchases were made WITHOUT MY CONSENT. I called immediately after seeing these transactions on my PNC bank statement and asked them to be cancelled. THESE ORDERS WERE IN FACT NOT CANCELLED and I received notification of that yesterday. If these transactions are NOT removed from my account and NOT refunded to me I will be discontinuing ANY AND ALL further activity with you, as well as seeking legal action. This is absolutely ridiculous and not customer service in the least. These transactions were completed with a “virtual card”. How did a virtual card even get linked to my account in the first place? I never received emails about the purchases until yesterday stating that the “loan had been accepted,” AFTER I CALLED AND ASKED IT TO BE CANCELLED DUE TO FRAUDULENT ACTIVITY. It is clear that affirm has no respect for the security of my information, or that of others using your services. If you ACTUALLY INVESTIGATED you would see that these purchases are not even being delivered to my address! TRULY DISGUSTING.
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
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.
Don't prioritize these payments they mean nothing for repeat customers
I have used a firm for years, and I've always made a point to make my payments to Affirm on time so that my credit history can remain good with them. Even when my personal credit took a hit. I made sure to always prioritize these payments only to find out that it's to no benefit to me to prioritize my affirm payment, because they will reduce my amount based upon my credit, no matter how large of an amount that I pay back directly with them. I have Financed over $900 with affirm before and turned around and was denied for $200. While never making a late payment or missing a payment with Affirm! So don't be like me guys do not prioritize these payments, in the grand scheme of things it means absolutely nothing to them they do not value repeat customers. Zip has been one that does not drop my limit based upon my credit score and I make sure that I pay my things like this on time because I love to access these type of benefits. I made my final payment to affirm today and I won't be back just like I do not frequent PayPal pay in 4 either for the same reasons. Zip pay constantly increases my borrow amount based upon my payback . I won't be using y'all even when my credit is up to par these things matter the most to me
I’ve been using affirm for almost 2 yrs. Worked awesome. The app is no longer working great. I have never missed a payment and never was late. I can no longer use the app because it says it can’t verify my identity. Everything was working fine the day before it said I had 1500$ spending power now it says it can’t verify identity. When I saw this I immediately reached out to affirm. It’s been almost 3 weeks and have gotten nowhere. I tried all kinds of stuff like using shop and deleting the app and reinstalling all to keep getting the same problem. This has been extremely frustrating especially with school coming up for my kids. I am beyond annoyed and frustrated…. I have been loyal and I have made no mistakes. I would love if they had a way to resolve this stuff but Instead they just tell you your screwed and throw their hands up and say they did everything they could. Pathetic and disappointing…. Update: seems they have fixed the issue. Reversed my rating accordingly. When this app works it’s awesome.
I've been working with Affirm for approximately three years. I find they are fair in their lending practices; they set realistic goals for repayment and are available for conversation if something should come up that interferes with one of your prompt repayments. Unfortunately, I have had to make arrangements to change one or two of my payment dates due to illness. The conversation with the Affirm Representative was very helpful and kind instead rude or combative; I’ve appreciated the assistance I’ve received from the each Affirm Representative no matter why I called for help. I believe that Affirm’s good customer service is a reflection of who they are and representative of their decision to assist and support the people in making purchases they would not normally be able to make without a bank loan. Affirm offers individuals a modicum of trust from the banking community. For honest, hard-working people who pay their bills Affirm allows you to bank on your integrity so to speak. Make your payments on time and Affirm will continue to trust you. Thank you, Affirm.
Out of all of the loan companies, Affirm is definitely the best. There is no crazy interest, no fees, no ‘90 days same as cash or you pay double what it’s worth’. Everything is clear cut and simple, the way a loan company should be. I’ve used a few others and at times I was fighting to make sure that I paid everything off within 90 days so that I wouldn’t be paying a ridiculous amount of money for a full year. Using Affirm has allowed me to have things that I normally would have to save for a long time to own. I always pay my loans off early and am able to get other things when I want or need it. I had my first experience at a Giants game thanks to Affirm. I will continue to use this company as long as they keep the same business model. Also, I love the fact that I don’t have to call them to change or remove a payment method, which I had to do with other companies. The app is super user friendly and I appreciate having this as an option to treat myself or my family every once in a while.
I had canceled an order because Affirm told me I asked for the exact purchase amount, but apparently you need a “5 dollar buffer” to process a payment. So if your total was 450 for a PlayStation, you need to ask for 455 from affirm. This is where the fun begins lol. Target had “already processed my purchase and therefore Affirm started a loan. Target Customer service denied that because a purchase isn’t fully processed unless you show up at the store and swipe your card. I reached out to affirm to let them know my order was canceled and that I was given a refund. Affirm takes 3-45, yes that’s correct! 45 freaking business days to process a refund! So I’m stuck with a 500 dollar loan until affirm decides to process my refund, which we are now on day 28. Target even cautioned me that affirm could take the full 45 days for them to give me the refund, which is ridiculous. Affirm tried deflecting the blame on target but it stated in their policy that even though you have been give a refund for a purchase, affirm will still take “3-45 business days to be credited” Also, you still have to make payments because it will affect your credit! Yay! This is what is so frustrating about their return policy. They need to make returns faster because I will never service again, and would definitely not recommend this trash to my friends.
This is a such great financial service. I really like the fact that there are no hard credit checks performed and the terms are not the same as a traditional credit card where there is a revolving balance. They have an extremely extensive listing of participating retailers in multiple categories such as clothing (including super high end like LV), beauty, home appliance & furniture stores, and even some major airliners plus travel services such as Expedia! Travel expenses, especially if you need to make plans last minute, can be extremely costly, so having the option to use Affirm to fund your purchase instead of putting it on a credit card is awesome. I also love the fact that you can get an estimate of the amount you may qualify for, and that the total you’re ultimately approved for isn’t fixed. Another thing I appreciate is not being penalized for paying off my loans in advance. Oh, and the app is just as fantastic too. Super easy to navigate, straight forward FAQ/answers, and is very aesthetically pleasing. I am so, so thankful for this service, 5/5 stars all around!
I used affirm for the first time the week before Christmas because it was advertised at checkout. I filled out everything requested, selected my payment plan, was charged $478 and then Affirm never completed my order with Neiman Marcus. My items are still sitting in my cart. Finding their customer service information was challenging because I wanted to send a screen shot of the error message I got from their site when I submitted my payment. There is no email or online messaging option so I had to call. I hate calling 800 numbers. Glad I did. The customer service associates were pleasant and helpful. I was mostly nervous because their website said it would take 7-10 days to refund my money but luckily, with the help of a manager, that wasn’t the case. She gave me a one tome card to use to complete my purchase over the phone. All is well! Christmas is not ruined. Nice work with customer resolution training. Seems like you all really value our business.
I have poor Credit and was very happy with the help of affirms financing. It’s great and cheap. Even with my terrible credit I received 15% which is much better then the 19-21% on cards I get. 15% is still high but for those with even better credit would reap much better benefits. Got 450$ financed for only 38$ in interest over a 12month payment plan. And the app is very easy to use. And doesn’t start the actual payment day until your order is shipped. So even thou my Order was placed on sept29th. I would log on affirm every day and watch it go from the 1st. To 2nd to 3rd and add by 1 every day until the 7th when my package arrived at my house. Which is great because the high quality websites I use have parts coming from Germany directly for my car and so shipping takes 1-2 weeks and instead of being 2 weeks into my order and having 2 weeks to pay my affirm account It didn’t start the payment dates until i received my items. Will be using affirm from now on over any financing program for a long time currently.
So I started using Affirm back in 2018. I started with a lower approved credit amount but paid the first one off and I was able to get an increase. This happened time and time again for a total of NINE paid off loans without ever having a late payment. Recently I had a large revolving credit line with not even half being used, the app decided to pre approve me again and I was informed they could not approve me for a loan and the decision was final. There have never been any late payments to this day, NOT ONE. I still have 4 open loans and have paid them on time as well even through this pandemic. I emailed Affirm and the generic robot replies I received clearly indicated they didn’t read or care about what I had to say. One of the deciding factors was my PAYMENT HISTORY or lack there of with the company. They use trans union for credit approval but report to Experian who shows I have 100% payment history with never a late payment. There were more issues but I’d be here all night typing. I was so happy and pleased with Affirm, I bought things I wanted and rebuilt my credit, they made money off me. Was a great win win for both parties. I’m one person with a MILLION behind me to take my place so why would they give a @%$^?
I found this confusing at first but probably because I skimmed everything and didn’t read everything. When I was first given the loan it looked like a check and I didn’t realize that had to be used for one purchase only and what was left over wasn’t usable. I was booking a trip so I applied again for the AirBnB and the loan I was offered was much lower but covered where we were staying. That had my total loan at around 500 because I started paying it back and wanted to secure my car, I was then declined because they could not establish who I was suddenly. I have since tried 3 or 4 times but to no avail so I wrote in to the company today to see what was up. Until the not being able to know where I am the program was a cool app to use you just really need to have what you want already found and be able to have it as a single purchase. I haven’t given up on the app just because the simplicity of it is great! It truly was the easiest line of money to get and pay back. Give them a shot
This app came in handy when i needed! BUT please understand each loan you take no matter the size does show up on your EXPERIAN credit report. I was approved for about 2500$ I made purchases at multiple retailers. Thought nothing of it till I seen my credit report. My fico went down for having a consumer installment loan. Not knowing having 9 loans at the time. Also it shows as closed accounts when paid off. So safe to say my score will be going down yet again because I now only have 3 loans left so. I will have 7 closed accounts on my report (originally had 10 from affirm all equaling 2500$ in total) so although you get approved for one lump sum. If you shop at different retailers it will all come up individually on your experian. Also before finding all this out I paid down my loans and attempted to get another for an emergency and was denied twice. First time for supposedly being unable to verify identity smh and second for having two many open loans even though the balance was down to less than 1000$. So if you reallyyyyy need to use this please stick to one loan period. Even when paid off do not use again
For a young person who is mostly responsible with their money, Affirm is a gift from above. Affirm allows me to make the purchases I’ve always wanted, but could never afford on my current budget. Both the IPhone App and the online website have such a user friendly display. It shows you precisely when and how much you will need to pay each month along with the total left of your entire purchase, including the breakdown of what you are paying for. On top of that you can even pay early to stay on top of your purchases. In my experience with returns, they are a breeze. I sent back the product I bought to the company I purchased it from ( ECS Tuning ), and within three days of leaving my local FedEx there was a return taken right off from my affirm payments. Overall if you are responsible with your money and have good experience with paying monthly bills ON TIME... affirm is a great way to allow those expensive, in my case recreational, purchases into your budget.
I have used Affirm for several large purchases over last few years. I have recently had an issue with purchases from an online company. When I attempt to use affirm I am asked to confirm my information. When I enter my information I receive a message stating my identity can not be confirmed and that I can pay in full. Every time I have used affirm for big ticket items, $1200+, I have paid the loan off well before the term of the loan. Affirm customer service seems non-existant. I was asked if I would like to update my review. Here is the update Affirm help features are not helpful. I want to know why a particular online retailer, with whom I have used affirm in the past, is being problematic. I ysed affirm for online purchases in the last 12 months and 4 months with two different companies with out issue. However when I go to check iut with this particular retailer the affirm option asks me to verify my identity and when I provide my information I receive a message stating my identity can not be verified. I have been contacyed by Apple to tell me affirm has reached out to assist. The only assistance provided are links to articles none of which are helpful. If I could rate negative or at least zero stars I would.
I have gone through every website only to find nothing, no number to call, no email to ask questions. My purchase was declined through the card that affirm gave to Macy’s, so they called me to give them the card and info, again only to get declined! The card wouldn’t go through, I shouldn’t have to deal with any of this. Clearly this is something that needs to be done through affirm and Macy’s but because they have no information as to how to follow up or contact them they called me. Long story short, I couldn’t get the couch I wanted because the card didn’t go through. The whole transaction got canceled by Macy’s due to the card getting declined and me not able to provide more info, And when you got to the online affirm site, they make sure you have no number to report this back to. It’s like having a credit card that gets declined with full credit and no number to call for help. Beware.
I would give this app 0 star if possible I was hacked using this app and my card and bank information was given to hackers who used my account to purchase credit for a track phone I immediately called affirm to let them know what happened and for them to cancel the card they assured me they will handle it after the charges cleared only for them to do nothing to help me. I kept calling them to know the status of my case and everytime I kept getting dismissive people who didn’t really care to help me. I was asked to wait for them to investigate not knowing they only wanted the charges to process so I will be responsible for the payment. How can I be hacked by this app and asked to pay the charges. These people are all Freuds the money was used to purchase credit on a track phone that alone is suspicious they claim they are helping me to investigate meanwhile all they were doing was waiting for the charges to process so they can take their money and I would be responsible for a payment that was not made by me . Everyone be carful this app is not what it used to be hackers have access to all you information and affirm does not do anything to help you when your information has been hacked!!!
Affirm is a good financial tool for people with not so good credit who may want to establish that lender/consumer trust again. Start small and work your way up. The more you show your ability to repay, the better chances of getting approved and earning higher spending limits. Interests rates can be pretty high so it would benefit more to choose the shortest repayment term, but overall Affirm has been exactly what I needed it to be. I have recently gotten the savings account they offer with a 0.65 APR. I work at a financial institution and that rate can’t be beat! I highly recommend Affirm for people who are in the 600 range credit score. I’m not sure if their interest rates are better for people with better credit or how it would benefit someone who has good credit and wouldn’t otherwise have an issue obtaining credit anywhere. The only reason I give 4 stars is because they don’t report to credit bureaus. I’ve had 5 loans with Affirm and none have been reported. That could have greatly benefited me in helping to improve my credit score.
I called because I haven’t received merchandise I ordered over 4 weeks ago and honestly have no ideal if I’ve even getting it at all because I’ve had little or no contact with merchant and can’t get a phone number to call them. When I called affirm they gave me a bogus number that no one would answer or option to leave message. I don’t think it’s up to me to certify with this merchant as to whether or not they are gonna supply merchandise. Affirm wants my money it should be up to them to settle the matter, they haven’t given me any money so in my eyes I owe them nothing. I’ve went ahead and paid my payment on time becuase I don’t want my credit messed up but if I haven’t received the merchandise by the time the next payment is due Affirm won’t be getting another payment from me and I will be turning them into the BBB. You can’t charge someone for something they haven’t received and if that said company has already paid the merchant than they should take care of the issue. I have decided that’s why they don’t let you pay with a credit card because they wouldn’t be able to get away with this technique they use.
After speaking with more than a few service representatives as too why misleading information is given I’ve come to the conclusion that this service is just terrible. Pre approved for a limit of $900USD however if any transaction is attempted even in an amount of less than $10 it will be denied when pressed as to this conundrum they simply parrot the email will explain the email will explain etc something about FICO score however any credit reporting site (credit karma, etc) not only shows an increase in overall score mid 600’s but they continually act as though you’ve never used their platform before (which I had for more than a few purchases easily equaling into the xxxx’s) but multiple other platform with access to the same exact information are more than willing to take the very same loans even from places such as PayPal which is notorious for being picky. So what I’m saying this is a service aimed for the upper lower class and middle classes that actually won’t work with any of said people if they have something like a loss of income from a world wide pandemic and are forced to miss 1-2 payments on a car note because housing is more important. Yeah fk this company.
This app is set up easier than any other account I use for my credit cards. It is designed to be simple and straightforward so a user can get on with a thumb scan. A user does have the option of using their phone number to log on but that takes a bit longer. When you start using the app, you just give your account number you will have money withdrawn from, and either go on every month and pay......really takes less than a minute to do, or set up auto pay. They also have an option every time you log on to see if you are prequalified for future spending. No hard credit check for this either. I did this to buy an expensive exercise machine and I just accepted the offer and then was shown how to pay for it with the pre-approved funds. Be aware, once you start a loan with affirm, it does go on your credit report. Pay everything on time and hello higher score. Overall, best app I have used so far (and I use a lot of them).
Bought a pricey Christmas present where I found affirm to be convenient for partial payments however all convenience was squashed when I tried signing up for affirm. The sign-up process was a lengthy, jumpy, and extremely annoying. I had to ask the store to give me a discount because they don’t do partial payments over the amount of $600. This might be because of the new tax law in place so it’s not technically affirms fault, but that doesn’t change the fact that the process was not a fun one with little to none support. Also I set up auto payments three times and I’m still getting text messages that my payments are overdue. Why is this happening? Also, Affirm on safari browser is broken. The three lined menu next to shop is broken, the size of the mobile version is not scaled to fit which it’s hard to navigate because every time you try to scroll It just moves the screen around. I work for another software company so I am quite tech savvy but affirm really rubbed me the wrong way. Just downloaded the mobile app to see it changes my mind. Hopefully I don’t waste another hour of my time
I’ve been using Affirm for over two years now and it was absolutely a godsend because being on a fixed income, it enabled me to purchase gifts for those that I hold near and dear to my heart, but lately that is not the case. I have ALWAYS paid off my loans 3 to 4 months in advance and my loan amount has gone up substantially but as of Dec 2023 when I went to make a purchase I was asked to give photo ID to verify my identity through some unknown company. The documents they asked for was a passport, drivers license, nationality ID, and some other which I’ve never heard of. I was extremely reluctant because of all the scams & phishing technologies used to steal one’s identity which I was already a victim of. Reluctantly I submitted my retired law enforcement photo ID and they claim they could not verify my ID. I then called and spoke to an Affirm representative who could not tell me why and told me they would email me in 48 hrs to let me know. The representative was hard to understand an unsympathetic to my dilemma. I feel this company’s business practice is no longer reputable therefore I will pay what I owe on the purchases I’ve made and take my business elsewhere. I DO NOT recommend using Affirm
I followed through with downloading the app to find out if I could be financed for an electric E bike after completing all the steps taking a picture of myself, my ID, front and back and my face next to my ID. I received an email stating they cannot verify, I am who I say, I am, even though you can clearly see my face on my ID. You can clearly make out the numbers, front and back and you can clearly see I am who I say I am, still I received an email stating they could not help so I proceeded to call customer service and ask if they could help me finish the process and find out how I can continue and their response was to write a letter now how writing a letter is going to prove that my ID, and in fact, picture of myself, and my ID proves, I am who I say I am without me, sending possibly a picture of myself and my ID with the letter through the mail I don’t see how that’s going to help at all. They had no idea how to help me other than write a letter which is utterly useless shop in short this app is garbage. Their customer service is garbage. Do not proceed with their app because if you run into issues, they will not have any way to help you. That would be my personal experience.
I was scammed on Google by a fake ticket master website. I thought it was ticket master but it was not. I went to purchase 2 tickets using affirm and found out halfway into the process this was a scam site. I tried to contact affirm support about the issue and they told me to contact the site. Which, if it’s a scam they are obviously not going to help. I contacted the site and they said we do not do refunds but I can sell my tickets and told me to click on a link to sell and that it was ready for sale. How could I sell tickets I DIDNT EVEN OWN YET? I told this to support and they did nothing and did not look into it. They claim I owe them $1,000 when I never got my tickets (because they also said I would get my tickets THE DAY BEFORE the event so that’s how I knew they were fake). The concert was 3 months ago and I got them through ticket master. All I’ve been getting go is emails from affirm that I owe them $ for something I never received. Customer service has been no help and now they claim I am going to bill collectors when it is not even on a credit because I didn’t even FINISH THE CHECKOUT. This is my FINAL attempt to get ahold of someone who can ACTUALLY cancel this. HELP!
I’ve used this app and credit for a while now and with ease. I’m finding that with Covid the company is not willing to help, being that I’m once again in CA and unemployed and the monthly amount is more than what I should be paying as I had a return which is not credited to monthly payments. Furthermore the app has been unavailable to change payment information and even after updating I get a message that my balance is overdue by more days than it actually was. I’ve tried communicating with through the app but the options for real help aren’t offered and the email provided doesn’t work. In this day and age of non human contact the banks are constantly issuing new cards due to possible hacking or fraud then additionally harder to get any credit company to follow through with issues or assistance. It’s like half truths and the just the idea of helping is enough for them to get a big tax credit or break for COVID times without honoring.
Use if you must but make sure you’re buying from a reputable seller.
Affirm is actually Celtic bank, according to the FDIC. You will find out the hard way, if you make a return or if you get ripped off, Affirm will not have your back and you will end up paying on a product you didn't receive or that you returned. Even if you do get a refund, it will be minus the interest and fees, which are significant. We purchased an airline ticket from Justfly (never use that company either), and cancelled it. Justfly charged me $75 to cancel the flight, so one would assume it was cancelled. NOT. They took the cancellation money, then they went ahead and processed the Affirm "loan" several days later. We have proof it was cancelled prior to the loan being finalized, we have proof they took a cancellation fee. Affirm literally processed a loan for a cancelled reservation, which is probably illegal, and refuses to reverse it. Of course, these criminals own the politicians that keep them out of jail, where they clearly belong. I have uploaded their response to the proof I sent them. Also, keep in mind that arbitration agreements do not prevent you from suing them in small claims court, where I will also get my court costs reimbursed.
I have used Affirm for years now. I think since early on in it’s inception. I have bought many expensive pieces clothing which made it much easier spreading out my payment over a year. In all that time and having bought almost countless pieces, I never missed a payment and frequently payed loans off early to avoid some interest. However, this past year brought some financial difficulties. During this time though, I had at least 3 loans out through affirm. I never missed a payment. Sadly, however, my credit score had gone down. Now, because of that, I can no longer get a loan. So much for a track record with a financial institution and being loyal to them. I would’ve thought with my track record that even a lowered credit score would have allowed me to continue to use affirm. But, nope! I’m very disappointed and once my score rises I will write them off as they have written me off. Shame on u affirm. Again, my loyalty, track record, and frequent usage means nothing to you. Oh well. I’ll use Klarna from now on. I will miss the good old days tho of using affirm b
I used an Affirm loan to buy 2 computers, but I I had to return 1 and exchange it for another. Apple refunded the price of the computer to Affirm, and I used some of my remaining balance to get another computer. Affirm created a second loan, and when got the refund, it applied it to end of the first loan. I now had 2 loans totaling the amount of the first loan, but the first loan did not decrease, nor did the payments. So, I went from having a $173 monthly payment for 2 computers to having 2 loans totaling $260. But, I still had only 2 computers. There was no number listed to call, so I did the online form. Affirm refused to help me get back to the original payments of $173 a month, but they gave me a number to call. The person was in a call center, and all they would do is read a script over and over and refuse to help me. I told them I could not afford the payments - that the new arrangement was half again as much as the original payments, but I only had the same number of computers. Finally, in frustration, I took out a personal loan to pay off the Affirm loan. The least I could do is keep them from stealing more of my money with their shady business practices.
So I've been a customer of Affirm for 3 years. Have paid off 6+ accounts, have one small one open now. Went to see what my new "Limit" was and BOOM,...I all of a sudden done meet their credit requirements. What really??? Never missed a payment, never been late. I'm like in shock... I never open otter spend more than what I can afford monthly and have chosen at times to put off my purchase because of that. My payment history with all my revolving accounts is 100% on time, Exceptional it says. I say to you Affirm .... you’re getting a little too big for your pants. You need customers like me and the thousands more you service. Honestly I'm done after I pay off this little balance I have left and ALL the people I referred and have done business with you STOPS. Now I'm going to openly blast you and your unfair credit practices. OH and 1 last thing... My yearly income just increased by about $30,000... I guess I'll be spending this money at your competitors Klarna or Afterpay.
So, you use your credit card on line, right? Typing it in at lots of sites you think it’s ok to trust - humm. Affirm is the tuff guy that holds your credit behind a wall of security, it is like your Bank. You no longer type your personal credit information anywhere (that accepts Affirm). Affirm securely holds your personal info for you. You will never type your Affirm account # any where. Your data can not be stolen if you never type anywhere. When you buy something you click the Affirm choice, Affirm pays for your purchase in-full immediately. Now you pay Affirm monthly payments. Or, take your 30 days of free money and pay it all off on the first payment = no interest. Yaa Safe, Secure, Easy - you can schedule payments for any date or pay on your due date. You can pay more then the due amount. You can also set up auto pay. BUT, I like getting my Phone notification (about 8 days in advance) then I decide how I’m doing that month and schedule a payment right then. Usually, 30, 50 or 100% of the bill. I really hate interest but that’s the C.cards, Affirm’s, & P.Pal business. Their product is money - we’re buying their money (they pay for the purchase for us) for that Service they get paid a fee / that’s interest. If you pay it all on 1st payment the Service of using their money and securing my personal data, and my credit information is all free. Nice! 5 Stars
I opened an affirm account a long time ago when I had a different phone number, so I had to update it to login. Right away I was able to do this. I logged in and even though I provided 4 or 5 payment methods and two banks I was still denied. That’s fine my credit score is in the fair range. Before I was denied, I started putting money in am affirm savings account. After realizing now their service was useless to me I asked for the account to be closed and was told the balance had to be zero before I closed it. I explained that was the point. After this conversation I was locked out of my account by the old phone number I had just changed to be able to regain access to my account. Somehow I was able to login, put 250 in savings and search the site but after I want my savings account closed, I suddenly am unable to login to my account. This website clearly has a system that prevents you from regaining money or getting out of its grips, which outside of savings accounts I would fear for any purchase. Anyways I am hoping this will get some attention since their customer service which has told me a number of things is a joke.
Great functionality - hard to manage personal account
This app is super easy to use and has gotten me in a lot of trouble as it relates to shopping! I love the convenience of Affirm! It is a unique and wonderful alternative to debit or credit, and I don’t feel the pressure of credit scores or income when I need to use this as a medium for purchasing. What I do not appreciate is when I moved, it has been a royal pain in the tail bone to get my address and phone number changed. It is irregular to most companies where you can edit the info yourself; rather, you give them your new phone number and then await a call from them hoping it will come through at a convenient time so they can verify you actually changed the information. God forbid someone else grabbed your phone and changed it for you. I have played phone tag with them for over a year and my billing address/phone number are still incorrect. It’s ridiculous. Aside from my frustration over the despicable account minutiae, I appreciate Affirm and find the concept to be appreciable as well as convenient for daily transactions.
In the beginning the app worked great. I was approved for various credit limits ranging from 2-3k depending on the merchant. That alone was strange to be. I mean, if a company is going to approve me then why is there a lack on consistency regarding the amounts I’m approved for. Anyway, I made some purchases and everything worked perfect. My payments were either made on time or in advance in an attempt to payoff my balances sooner. Then out of nowhere the app spontaneously stopped approving me. The pre approval amounts disappeared. There is now an option to request preapproval for certain merchants but I’m denied each time. The email they send, explaining the denial blames it on my credit score. Sure my credit has fluctuated a little since opening this account just because of another credit card that had been opened a few months back but nothing major. I just find it odd that a company and approve you, theb randomly decide not to. I’ll be paying off my outstanding purchases and closing my account. My only concern now is whether or not this will reflect as a closed account on my credit.
Don’t get me wrong affirm is pretty cool and it’s nice to be able to make small monthly payments on bigger purchases, however the interest rate is really high and the virtual card and customer service is a mess which is why they get 1 star. They do however offer interest free options on certain items at certain stores. They give you the option to pay in store using a one time use virtual card, however, what they don’t tell you is making a return if need be is near impossible. After you use the card and depending on the store you can’t get a refund, so you be stuck paying for items you don’t want. Also, customer service is a headache. No shade to the workers, however, there is a language barrier which makes getting concerned resolved difficult and to top it all off they don’t even know how they own products work!!! It’s just a mess. So if you do plan on using this service still to online use because it’s less of a headache and you can get a refund if need be. After I pay off my purchase I’m dont plan of using affirm ever again. I would say stick to klarna, afterpay or one of those options, interest free and less of a headache!
Shop stress-free and pay over time with flexible payments. Now select customers can take Affirm everywhere with the Affirm Card™. Why you’ll love using the Affirm app: • 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 Affirm Money Account with no minimums and no fees Take your Affirm Card with you everywhere: • Use your Affirm Card online or in person • Planning a big purchase? Request a payment plan in the app before you head to the store • If you’re shopping on the go, you can link your bank account to pay with your card almost anywhere, or use the app to request to pay over time for eligible purchases after you swipe. Minimum purchase may be required for payment plans. See footer for additional details. Shopping with Affirm is simple and easy—browse your favorite stores online or in-store, choose the payment terms that work best for your budget, and complete your purchase at checkout or with your Affirm Card. The Affirm Card is a VisaⓇ debit card issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Pay-over-time plans must be applied for each purchase in the mobile app, are subject to eligibility checks and are provided by affirm.com/lenders. Minimum purchases are required for pay over time plans; the amount is located in the Card tab of the app. For purchases that are not approved for and matched to a payment plan, you authorize Affirm to initiate an ACH debit from your linked bank account within 1-3 days of the purchase. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license. For licenses and disclosures, see affirm.com/licenses. Rates from 0 - 36% APR. Loan options vary, are subject to eligibility, and may depend on whether your loan is applied for before or after your card purchase. There are minimum purchase amounts for loans, a down payment may be required, and may not be available in all states. The Affirm Money Account is held with Cross River Bank (CRB), Member FDIC. Affirm is not an FDIC-insured bank. FDIC insurance covers accounts held with CRB in the event of a CRB failure.
