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1. Perfect for people with the ability to pay small incremental payments over a given period of time, and meanwhile without accruing interest as long as you continue to pay each payment on time! Using, Affirm, won't effect your credit unless you allow it to!I absolutely love the app.
2. They have multiple finance options so you don't feel trapped and you choose what works for you! I've seen other companies tey to use this same business model but I always choose Affirm because I trust they'll stick to the agreement as long as I pay on time.A great, handy, and easy app to use!Very helpful when there's a need for making a pricier purchase because with this app, there's no need to pay the full price upfront, or all at once.
3. Affirm & Affirm Debit+ used to be great, but the integration of Debit+ into the Affirm app has made it impossible to use the Debit+ card since the Affirm app won't connect the card to a bank account.
4. I just wish the great payment history would help with my credit score.Hope you don't need to use live chat, or be prepared to leave your phone on for 45 minutes while you wait.
5. This was a nice way for them to break their own stuff.There when you need it! My credit is not that bad but student loans debt prevents me from getting major credit cards due to "serious delinquency".
6. Outside of that, this is very convenient and resourceful.For the past few weeks, it has been impossible to pay off current loans using the app because someone had the bright idea of making a popup advertising places to get loans from when clicking on the manage section.
7. The more I have used it and made payments on time and paid off the loans, the purchase amount I am allowed to spend has increased.
8. I even got declined once for Wal-Mart even after I've used Affirm multiple times at Wal-Mart.Payment screen keeps glitching in app.
9. I even received the affirm credit card.
10. Pay on time and your spending power goes up, and it's much easier to deal with than credit cards.
11. So if I open a new account & want to link it to Affirm, it's impossible to do that.