Affirm
Affirm Overview
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Affirm has a 2.6 star rating from 3,085 reviews; about 44% would recommend and reviews show 54% unfavorable, with many neutral mentions in Affirm reviews.
Positive Feedback
Users praise Affirm for fair payment plans, flexible finance options, easy application and product diversity.
Negative Feedback / Risk Areas
- Frequent Affirm customer complaints about poor customer service and long waits to reach a person.
- Billing and refunds problems with delayed or incorrectly processed refunds.
- Account access, verification and dispute handling issues causing credit or payment problems.
Key Takeaways for Future Customers
- Check refund and billing policies before use and monitor payments closely.
- Be prepared for limited phone support; document all communications for disputes.
- Consider alternatives if timely customer service or membership-like support matters.
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Affirm has a 2.6 star rating from 3,085 reviews; about 44% would recommend and reviews show 54% unfavorable, with many neutral mentions in Affirm reviews.
Positive Feedback
Users praise Affirm for fair payment plans, flexible finance options, easy application and product diversity.
Negative Feedback / Risk Areas
- Frequent Affirm customer complaints about poor customer service and long waits to reach a person.
- Billing and refunds problems with delayed or incorrectly processed refunds.
- Account access, verification and dispute handling issues causing credit or payment problems.
Key Takeaways for Future Customers
- Check refund and billing policies before use and monitor payments closely.
- Be prepared for limited phone support; document all communications for disputes.
- Consider alternatives if timely customer service or membership-like support matters.
Media from reviews
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Tampa, Florida
Resolved: Quiero un agente por favor
Necesito un agente asunto de pagos urgente llevo ratos contactar el servicio en español y nada necesito hablar urgente
Preferred solution: Hablar con un agente
User's recommendation: Todo bien
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerAddress change
Trying to change my address and the phone number dont when no one picks up so I dont know how Im supposed to do it. I mean you know I only owe you money and you want it so like you want my address change or what
User's recommendation: Don’t join this app if you can’t afford it, don’t buy it. You can’t get anybody on the line so you don’t get any help.
Affirm is unprofessional and has deceptive business practices.
My attachment will explain my multiple issues. Affirm is a terrible source for buynow and pay later.
User's recommendation: Do not trust Affirm.
San Francisco, California
Tengo una pregunta
A few days ago I made a purchase, but it was cancelled, I want to know if the refund has already been made.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Bothell, Washington
Would not respond to merchant issues
I had a problem setting up my merchant account. I sent a dozen messages and never go a response. I will have to go to another company.
Chicago, Illinois
Return
The cashier couldnt scan the barcode so she just refunded it to my card. I just wanted to make sure it was gonna get refunded to the correct loan.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerHope I get a refund in a timely manner
Its still pending , The original hotel sent a message were canceling my reservation due to renovation. Do I had to make other arrangements. I waiting on them to send a refund to third party I have to make payments too
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerHorrible refund process
Customer service even told me that they had to void the refund check they originally issued and send me another, delaying the receipt of my refund even further. Absolutely horrendous.
By far the worst customer service experience I have ever had. I returned an item that I finished paying for with an Affirm loan, but Affirm told me they could not electronically issue the refund to my bank account and that they would instead have to mail me a paper check which could take up to 30 BUSINESS DAYS to arrive, which makes no sense because no domestic mail takes 30 days to reach its destination (not to mention that mail doesn't stop on Saturdays, a non-business day).
And, of course, the paper check runs the risk of being lost or stolen along the way. What a joke.
- It allows you to purchase items and pay for them later
- Horrible customer service
Preferred solution: Full refund
User's recommendation: Avoid at all costs
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerI have used this company for at least three years, never had any problems. I bought two chairs from amazon, then I changed my mind. I’ve been reaching out to Amazon and Affirm.
Amazon said they refunded me; they didn't. Affirm said they will refund me as soon as Amazon indicated I sent them back.
I sent photos of the returns; nothing. Affirm is still billing me.
I returned those chairs in January 2025. I hate them like poison.
User's recommendation: They are not going to help you, they just want your money.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerAffirm: Your $74.37 Walmart c $74.37
I don't want all your money. Walmart has all your money.
Do you think I'm dumb? Two months ago, I returned $137.78 for something on May 9. Walmart refunded me 0.01. Okay, what happened to the rest of the money?
Do you want me to explain that money to you? My answer is no because I called Walmart, and they refuse to fix it. I am a poor woman; I'm not crazy. Okay, help me please with Walmart to fix it.
Thank you. God bless you all.
Will NOT process my refund
Have tried for 3 mths (last time today) by chat, online email, telephone to get AFFIRM to process my refund of $192.00 (to my AM EX) for shoes returned to SAS. I have a confirmation letter of the return and need for credit, but AFFIRM blames it on Am EX for not processing it.
Am Ex tells me they have no such letter from AFFIRM.
AFFIRM refuses to send it again. I find this company and their agents to be well trained on giving excuses to consumers and think they are cheats and thieves.
User's recommendation: NEVER use AFFIRM cheats and thieves
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerDispute They OWE ME
I purchased several items from Birch Lane and Wayfair total of 3 items part of this total was 1 bedframe. The first bedframe Wayfair sent wrong size, and it was damaged they fixed it by sending correct item with discount.
Affirm account payments were made timely and at the end for 5 months I kept calling customer service center advising them that they have in their total 2 bedframes each person stated they looked at Wayfair bill and Brich Lane bill the compared with Affirm account show discrepancy all stated they would need to send to another department to review and I would be credited the difference over $800.00. No response and I kept calling with two other reps very rude and stated they saw nothing and Wayfair told them it was correct. I have copy of all accounts and sent to Affirm and til this day they say I owe 75.00 and sent to a collections.
I am Hiring a attorney and reported to Better Business Burial. Watch your accounts with Affirm they owe me over 800.00 and now more due to credit was hit
Preferred solution: Full refund
User's recommendation: Watch YOUR Bill and Payments
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerTickets
I wont to return my tickets to purchase some other tickets for the same event. The new tickets are better than the tickets that k have.
Rosemead, California
Unhappy
Affirm assigned 2 different card #. When merchant went to send refund.
They couldn't return money to the new # and the first card wasn't there any more.
Now merchant sent me proof of the new refund and Affirm is slow dragging the return. Unacceptable..
User's recommendation: Be careful
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerService client
I need to know why my bill rose more than the value
and they had already sent me the total, so I pay and I do the math, it's 700 more apart from the 35% that is charged
Preferred solution: Price reduction
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerResolved: Denial
Approval.
I have never been denied before - ever; but these poorly trained staff, who evidently couldn't understand what I was explaining to them, left me levied.
I've been punished for having a freeze on my credit, which I did unfreeze for them to run my credit and, of course, they screwed that up as well. Despite my demands to speak with a supervisor, my requests were ignored by rude personnel.
- Outsourced personnel
Preferred solution: Loan Approval
User's recommendation: Don't depend on this company for financial assistance
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Previous complaints about cheap flooring by you are not indicative of an 830 or any score. With an 830, you have the gold standard mix of traditional loans( mortgage or auto) and revolving (lines of credit or credit cards).
An 830 is low/no balance on revolving credit and a lot of available credit. Which with an 830 have the best offered interest rates. Why all the rage at an Affirm denial when you have options in place?
Use your low interest credit, unless you are not being honest. And btw, a new Affirm account will knock your score down, but using what you have and paying it off may get you to 840.
People with an 830 credit score would not go near Affirm for anything. Nice try though.
I don't quite understand the “nice try though” part of your comment. Were you trying to give me helpful advice?
At the moment I just needed a delayed that 3 minth payment oponth, they offer and they came recommended by the merchant I was about to do business with. Or are you warning me, that I dodged a bullet?
I think they are suggesting you are not being honest about your credit score and that of a person had a score that high, they could do much better than Affirm.
Check my previous reviews, ABSOLUTELY NO FABRICATIONS about my FICO score(s). If you or they don’t have anything helpful to add; you shouldn’t waste yours and my time commenting.
And again, us who do have elevated FICO scores still could use a 3 month extended period to repay for a purchase. Even millionaires use other people’s money!
Respectfully of course. Oh and I assumed that was what was meant, by their comment.
Your previous complaints are indicative of an angry, lifeless old man with nothing better to do. Most people can go years without having issues.
It would seem that you've been having issues since the cradle. Lame!