Ask Community about Affirm

You just have to get angry at them! Threaten to turn them in or sue them. I had to do that to get mine straightened out. They probably have on capital letters BI...H on my acct, but i got results. Did you send the business a copy of your complaint from here? I always make sure they get that. Find corporates number and call them.

I had that happen only once. I stayed on them and ended up threatening a lawyer and BBB. It didn't take long after that. You have to threaten!

I tried for months to get my refund credited back to my account. My case was closed by Affirm help center without any explaination what action had Affirm been taken even I had forward proof from Vendor they already credited my return back in February!!! [PERSON_NAME] kept saying it's over 60 days and they do not see the credit. The transaction was between Affirm and the vendor, so if the vendor had forward confirmation refund already being credited; isn't it up to Affirm to take action to clear my loan instead of they keep sending me reminder that I still have payments to make for the loan along with overdue alerts! My case has been closed many times without resolution and my frustration is beyond words that I can put with my experiences with Affirm help center through hours of calls and chats. Never again and will tell all to stay away doing business with them.

Yes I am having the same issues with affirm. I have spoken to at least 15 representatives and they all say the same thing. Affirm does not care about customer service and I will no longer be doing business with them after my loan is paid off

Yes they refuse to help me with an airline ticket I purchased & cxld within 4 hours that was $298. I paid over $150 but I refuse to pay another [PERSON_NAME]!!

The only benefit is if you want to make smaller payments over time. If you have a credit limit that can handle the purchase, I'd go with that. Affirm's interest rates can be astronomical and it's basically a way to prey on people that don't have the best credit, so can't get traditional loans or credit cards. They're the same as payday loan companies in that regard. I had a poor experience with Affirm (see my separate review) . Their customer service is basically nonexistent. Bottom line..I would only use Affirm if it's an item that you need and it's your only option. If you qualify for a traditional credit card or loan, go that route.

I have been using affirm for over 3 years and have never had that high of an interest rate. Their rates are usually very low. For instance on a 300 item I paid around $50 interest with payments spread out for 6 months. I have gotten items as low as $50 and as high as $900 and have never paid that high of an interest rate. And my credit score has been around 600 more or less. Currently less. The app has been a godsend for me to be able to get things I needed like my shed I couldn't otherwise afford to buy outright and my phone also as examples of how they helped me. I would check with affirm and ask them if there is a specific reason for quoting that amount of interest because it is not their norm. And I've had at least 25 or more loans with them if not more. I'm sure they could give you some better insight if you ask.

I used AFFIRM once several years ago, paying the debt off early this avoiding the interest rate. But having not used the "card" in some time I was asked to reapply when I wanted to make a purchase recently using AFFIRM and for reasons never explained to me I was denied. So if you choose to use AFFIRM, don't go to long inactive or you run the risk of losing the card.

I always make double payments. That way you can avoid the interest. I never had interest charges cause I paid it off ahead of schedule

They are high, but what card isn’t really. They’re very easy to work with. You can pick from a choice about your payment, how much, and when. I’ve been with them for quite some time, and I’d recommend them to anyone. Hopefully, all our cards interest rates will start falling, hope!!

Well, that’s how credit cards are and that’s how lending companies are depending on where you go even though your credit score is always the same. Your interest rate will change between institution to institution. You have to remember this is a quick lending company. They want to turn it over and make a quick dollar and if your credit card has less interest rate on it why aren’t you using that for purchases? I’ll tell you why because Affirm has given you a type of freedom that you don’t have with a credit card also, you can pay it off early and pay less interest. I do this all the time. I think Affirm is a great card a great business and I thank them and appreciate them for helping me get certain things that I needed when I didn’t have the money and I paid them all off early so I paid less interest so yeah I would recommend this company to anybody.

Same! Different phone number, and new person who has my old number updated theirs with email so now we cannot get into my husband’s!

Whatever you do don't use gotogate to book the ticket, if anything happens affirm won't side with you & will hound you to pay something you didn't even use

The place you placed the order has to send something to them letting them know it was canceled

I feel, that’s your answer for the merchandise with all the problems With Japan, and others like them.

Why is my first payment is due before I even get my product? My payment is due on the 26 of September and I'm not going to receive it u til October 7th 2021. Plus I tried to track it down and it's saying the tracking number is wrong. 177501****62 it's coming from [GEOGRAPHIC_DATA] I ordered is back in August. I refuse to pay for something I don't have. That's not right....

The important thing to remember, is that when you go shopping online go into the Affirm app and pick the store from there if you make a purchase on the outside of the app using your car to firm card I see people have a lot of problems you wanna go to the app itself for all your purchases and if you try to find a store in the app and it just doesn’t seem to come up or you can’t find it chances are it it’s best not to do business with that store and use your Affirm card cause then you’ll have issues also.

If you have am ongoing payment plan it's probably that. If not contact your bank and tell them you have no purchases and they'll contact affirm