Underperforming – Affirm: Buy now, pay over time Review

The app has to “qualify” you to make purchases, which arent always guaranteed. Several times I was denied to make purchases with Amazon but I have shopped with Amazon directly & indirectly through Klarna and Quadpay (currently ZIP) for several years without needing a pre-qualification. How does this company expect me to be a customer if their product denies me to shop with the most used merchant? If Affirm didn't have to qualify me to make purchases, then qualify me again at check out (which is dumb), then it would be adequate with its competitors - but its not. So I cannot nor will not recommend anyone to use this app, or anyone who does not have a good credit score. Klarna or Quadpay may give you a lower spending limit but at least you don't have to have your credit checked every week to see if you are pre-qualified (nor guanranteed) or not to make a purchase. I can understand if you are making a big purchase and want to apply as a loan, which Klarna does, but to make pre-qualifications on someone to make 4 payments based on their credit is just doing too much in comparison to its competitors.
Review by Heibl on Affirm: Buy now, pay over time.