Introducing Affirm: Buy now, pay over time, a revolutionary application that enables users to make purchases and pay for them in easy installment plans. This application offers a variety of functions and features to enhance the shopping experience and provide flexibility in payment options.

1. Functions and Features:
Affirm allows users to seamlessly shop online and choose a payment plan that suits their budget. The application integrates with various online retailers, allowing users to easily view the available payment options at the checkout. With Affirm, users can split their purchases into manageable monthly installments, making it easier to afford big-ticket items or spread out their payments over time.

2. Most Attractive Feature:
The most attractive feature of Affirm is the convenience it offers in terms of payment flexibility. Users can avoid the burden of paying for a purchase in full upfront, allowing them to have immediate access to the products they desire. This feature is particularly appealing for users who may not have sufficient savings or want to spread out their expenses intelligently.

3. Global User Base:
Affirm has gained significant traction globally, with millions of users currently utilizing the application worldwide. Its popularity continues to grow as more online retailers partner with Affirm to offer their customers a convenient payment solution.

4. Common User Issues:
Though Affirm strives to provide a seamless user experience, some common issues may arise for users. These can include technical glitches, delayed payment processing, or occasional conflicts between the application's payment schedule and the user's personal financial situation.

5. Advantages and Disadvantages:
The advantages of using Affirm include the ability to make costlier purchases without any immediate financial burden, transparent payment terms, and an easy-to-use interface. However, users should be mindful of potential interest rates associated with installment plans, impacting the overall cost of the purchase. Additionally, users need to ensure they keep up with their payments to avoid any negative impacts on their credit scores.

In conclusion, Affirm: Buy now, pay over time is a feature-rich application that offers a convenient payment solution for users globally. With its attractive features and millions of active users, Affirm is transforming the way people shop online. While some minor issues may arise, the advantages of flexibility and accessibility make Affirm a preferred choice for those seeking a smarter way to make purchases.