# Affirm: Buy now, pay over time — user reviews > 1,359 indexed App Store user reviews of Affirm by Affirm, Inc., rated 4.90/5 from 1,714,410 ratings. - Source: https://appshunter.io/ios/app/affirm-buy-now-pay-over-time/id967040652/reviews - App overview in markdown: https://appshunter.io/ios/app/affirm-buy-now-pay-over-time/id967040652.md - Rating breakdown: 5★ 1,590,826 · 4★ 73,906 · 3★ 18,157 · 2★ 6,053 · 1★ 25,468 ## What do users think of Affirm? Overall sentiment: negative **Pros** - 🙏 Helpful in tough times - 💳 Convenient financing option - 📈 Improved credit score **Cons** - 🤔 Confusing payment process - 🔒 Security and privacy concerns - 🔍 Difficulty verifying identity - 🚫 Unexpected account closures - 💰 High interest rates **Commonly reported bugs** - Payment processing issues - Inconsistent credit limit changes - Delayed refund processing **Most requested features** - Ability to make extra payments - Clearer communication on payment due dates - Improved customer support ## Newest reviews (11 of 1,359) ### 4/5 — Ehh *2026-08-13, version 4.84.1* I was going to give a worse response because I was angry at what another company did. I was very upset when you sent me an email saying any commitments though that payment will be fulfilled, a few minutes later (you owe me) ### 3/5 — cards *2026-08-13, version 4.84.1* yall should make all debit cards available to use as a payment ### 2/5 — Hello *2026-08-12, version 4.84.1* Why do I keep having issues with my affirm account? I been making payments on time since I started using it. When I got 2 tires a few weeks ago it said I did not have to make a payment for it till August 31th. Just paid my last payment of 13 dollars for my last purchase and I just started a new job doing demolition and had to order boots and a hardhat but is telling me tomorrow the 13 I have to make a payment . And this has happened with all orders I’ve made where the app tells me I need to make a payment one day and then it switches to a different date. And when I got this affirm account I also applied for the Amazon credit card for a bonus gift card but I never even got this bonus gift card and got the credit card with my own deposit to my card. ### 1/5 — Disappointed *2026-08-06, version 4.83.3* I have been working with the Affirm for a while. All my stuff was paid off on time or even earlier than when it was due and next thing you know, they took it away from me canceled everything and nobody has a decision why they never had no problem with my payments. My payments were always on time! And all of a sudden it was just taken for me and I don’t understand why and nobody will give me an answer. ### 2/5 — Ne fonctionne plus *2026-08-06, version 4.83.3* Cette ne fonctionne plus. On nous demande de créer un code d’accès et une fois le code entré à la seconde page de confirmation du code impossible d’entrer le code à nouveau. J’ai désinstaller l’app 3 fois et ré-essayé sans succès. ### 1/5 — did not enjoy *2026-08-06, version 4.83.3* paid every single month closer towards the end i did miss one payment. which ricochet into others. i called during the missed payment month and was even willing to increase interest or add an additional month, no help. in the end one payment messed my credit all the way up. also ### 1/5 — Either I’m good or I’m not. *2026-08-06, version 4.83.3* You tell me my purchasing power is $4300 but deny my purchases. What’s the point? UPDATE: I was notified my buying power increased but was still denied. It doesn’t get more ridiculous than that. ### 1/5 — Support team is useless *2026-08-05, version 4.83.2* I placed 2 seperate walmart orders a month ago now, CANCELED BOTH OF THEM immediately after placing. But they are still on my account wanting me to pay them. I’ve reached out to support 5 times and they won’t do anything to help me out here. I use affirm a lot and they still refuse to help me here ### 1/5 — Doest work *2026-08-05, version 4.83.2* Most of the time it doesn’t work. I go to pay my bill and cant until it finally decides to work one day. Then my payment ends up being late. Needs work. Customer service is horrible. Deleted cookies as told by customer service and it still doesn’t work. ### 1/5 — Pésimo *2026-08-05, version 4.83.2* Son unos abusivos no pude realizar la compra y me cobraron dos veces y fuera de eso no tienen asistencia en español para presentar una queja pero si son buenos para cobrar algo que no se usa ladrones ### 1/5 — Poor revue *2026-08-05, version 4.83.2* Dont answer any correspondence dont give tracking numbers very poor serve. Late-delivers. Will not use anymore ugh very dissatisfied ## Most critical reviews (10 lowest-rated) ### 1/5 — The help section is broken *2026-08-17, version 4.87.0* I can’t cancel a card that wouldn’t work, avoid this app like the plague. ### 1/5 — Questionable Product *2026-08-17, version 4.84.2* I have tested other buy now pay over time product. This is a ok product not the best out there. Charging high interest when other products don’t. Wouldn’t recommend this product to family, friends, or others due to the following: Management removing all Minority Employees at all levels. Until this has been addressed I will not use this product! ### 1/5 — Multiple charges *2026-08-17, version 4.84.2* I attempted to use Affirm with Instacart. I was declined due to an “address mismatch”- although I checked multiple times that my address was correct. I was charged 3 down payments even though I was declined. Customer service told me it would take over a week for the refund. ### 1/5 — Incompetent app *2026-08-15, version 4.84.2* This is the worst app I’ve ever please don’t give this app any attention the support is very rude. ### 1/5 — Illogical decision making *2026-08-15, version 4.84.2* I used affirm and paid them back every purchase. Now they don’t want to approve me. Ridiculous. ### 1/5 — Unauthorized entries *2026-08-14, version 4.84.2* There are three different amounts of money coming out of my checking account and I have NO OPEN BALANCES ON AFFIRM! ### 1/5 — No Confirmation on Payment *2026-08-13, version 4.84.2* I was finishing up a payment plan and logged in to review the last payment. Two things: the email for the previous payment was sent to my email when I logged in the morning. I made the purchase 5 days ago. The last payment was made without my approval even though I had 10 days left. Absolutely ridiculous that there is not another page for confirmation and very irritated with this design. I enjoy the flexibility of payment plans but I will never recommend Affirm for any purchases in the future. ### 1/5 — Dispute *2026-08-10, version 4.84.1* Affirm is not highly recommend, its come to dispute your purchasing, they dont help or do anything to it. They help if u cancel order or dispute order they dont help. After i paid off my balance i will closed my acct here. American express u file dispute they take action with in 5mins. ### 1/5 — No not use this app *2026-08-10, version 4.84.1* This app is horrible I got a refund for my purchase and affirm would not accept it and keep charging me even though it was returned anyways ### 1/5 — App Broken *2026-08-09, version 4.83.3* Does not let me access my account past re enter passcode when trying to create one. ## Most praised reviews (10 highest-rated) ### 5/5 — I love my Affirm card until I put it somewhere in my house and I can’t find it!!! *2026-08-11, version 4.84.1* Very easy to use and to plan purchases! Except Walmart they don’t take planned purchases from Affirm ### 5/5 — Info What is the balance on acct *2026-08-10, version 4.84.1* How can I get in touch with someone I can speak to ### 5/5 — This Is Amazing *2026-08-10, version 4.83.3* I like this. It’s very very incredible. ### 5/5 — It’s great! *2026-08-09, version 4.83.3* Affirm has never given me any issues. It has allowed for purchases that might not have happened when I’ve needed them to. I have had zero issues dealing with Affirm. They are amazing. I highly recommend them. Thank you Affirm. ### 5/5 — YOLO *2026-08-07, version 4.83.3* Thank you for making my dreams come true! Thanks to affirm I was able to travel to 10 countries in less than 2 years ! 🙏🙏🙏 money comes back book that flight 🤑🤑😂 ### 5/5 — Still haven’t seen the items *2026-08-05, version 4.83.3* I received two pairs of women’s shoes when I needed size 12 men’s. Have yet to hear from Hike when I have sent them several messages. ### 5/5 — Lifesaver *2026-08-05, version 4.83.2* There came a time where I was strapped with no idea of how I would be able to make ends w. This is a low risk high reward system for anyone else who has found themselves in a corner like I did. I am grateful for Affirm. ### 5/5 — Great convenience and service prevail. *2026-08-05, version 4.83.2* This is one of the greatest financial services of all times. ### 5/5 — Perfect for a tight budget *2026-08-05, version 4.83.2* I’ve been very happen with my Affirm Account it’s been right on point and my payments are what I was looking for and actually hoping to be able to accomplish and I did exactly that now I own my new product and it’s paid for with out breaking the bank! ### 5/5 — Wonderful App *2026-08-05, version 4.83.2* I like to order things from Amazon. I’m on a very strict amount of money in can speed each month. Amazon doesn’t take the money out of my account until they ship. Sadly, this throws me off. With you I now exactly when my payments are made to you. I pay all of my accounts with you on the 3rd of the month. Thank you!! --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*