Affirm Reviews
Affirm Overview
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Affirm 2.5 star rating from 3127 reviews. 44% would recommend. Overall sentiment: mostly dissatisfied with many resolved and unresolved cases noted.
Key Takeaways for Future Customers
- Affirm reviews highlight easy application, fair payment plans, and a diversity of products.
- Price level is medium; financing can make larger purchases affordable.
- Expect mixed experiences; some customers report good agent help.
Negative Feedback / Risk Areas
- Frequent customer complaints about poor customer service and difficulty reaching a live agent.
- Billing and unauthorized charges reported; disputes and refunds often delayed.
- Account access and contact info updates can be hard to complete.
Positive Feedback
Pros include great finance options, fair payment plans, easy application, and occasional strong support interactions.
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Affirm 2.5 star rating from 3127 reviews. 44% would recommend. Overall sentiment: mostly dissatisfied with many resolved and unresolved cases noted.
Key Takeaways for Future Customers
- Affirm reviews highlight easy application, fair payment plans, and a diversity of products.
- Price level is medium; financing can make larger purchases affordable.
- Expect mixed experiences; some customers report good agent help.
Negative Feedback / Risk Areas
- Frequent customer complaints about poor customer service and difficulty reaching a live agent.
- Billing and unauthorized charges reported; disputes and refunds often delayed.
- Account access and contact info updates can be hard to complete.
Positive Feedback
Pros include great finance options, fair payment plans, easy application, and occasional strong support interactions.
Media from reviews
CFPB Complaint Radar
Powered by AI · Based on data from the U.S. Consumer Financial Protection Bureau and PissedConsumer.com
Top Affirm Consumer Issues
CFPB
- Loan disputes
- Charge offs
- Payment disputes
PissedConsumer
- Support delays
- Double charges
- Refund issues
Both sources reflect issues related to account management and financial disputes. Complaints about support and unresolved issues are more frequent on PissedConsumer, while the CFPB highlights concerns with charge-offs and loan-related disputes.
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 |
Garden Grove, California
Pay my bills
I'm not happy whit service...so bad service , they never helpme with change my email address or my mail address or my last name .so disappointed horror book customer service
User's recommendation: No
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 |
Blanchester, Ohio
Resolved: BEWARE!!! DO NOT USE THIS COMPANY FOR ANYTHING!!!
Company fixed the issue and I have been provided with full refund. It took several attempts because I has to dispute their denial but after doing due diligence they looked further into the issue.
The fraudulent company Loribeaut said they shipped and then delivered a product to me that I never received. They even provided a tracking number that I had to prove was not even real.
Never stop fighting especially when you know you are in the right. It took me almost a month and I had to do a lot of research, calling and emailing but in the end Affirm did look over my evidence and then sided with me.
I ordered two items from some SCAMMING company called Loribeaut. Never received my packages.
I contacted Affirm and they have sided TWICE with this SCAMMING company!
I would not recommend using this company for anything. I have used them for several years and never had an issue, except now.
- Affirm is a scammer just like loribeaut
Preferred solution: Full refund
User's recommendation: BEWARE!!! DO NOT USE THIS AFFIRM FOR ANY PURCHASES!!!!!
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 |
Houston, Texas
On 03/06/2026 I purchased...
The company itself verified that a return was made but even with that they still denied my claim, so now I'm literally paying for an item that was returned to the original place of purchase.
Customer service was fairly easy to manage, I feel my issue wasn't solved to my liking. I'm now stuck with paying for something I ended up returning and are no longer in possession of.
On 03/06/2026 I purchased item#:***/LGEWTZTOTE
BLACK/NS. STYLE: 30T5GQNT9L
And on 03/09/2026 said item was returned to the place of origin. ***
***
281)***
Handled by Salesperson: *** *** 867519
Preferred solution: Stop payment.
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: FRAUDULENT BANK TRANSFERS
- - Unauthorized ACH withdrawal of $8.42 linked to Affirm; no order was processed.
- - Bank dispute filed; fraud dept notified; reimbursement requested.
My funds were refunded but before the funds were refunded he Affirm debit card was LOCKED/SUSPENDED. Beware.
As of 3/17/26, I filed a Bank Dispute through my Bank United Community Bank for an UNAUTHORIZED ACH withdraw for $8.42 which Affirm had no right to attempt to collect because the transaction to PayPal Thiftbooks FAILED and no order was ever processed $0.00 was to be withdrawn.
Affirm processing a Bank transfer to my checking account was FRAUDULENT and the $8.42 needs to be reimbursed to my checking account immediately.
This has been reported this to Affirm's Fraud Dept and my Bank because Bank Transfer was not authorized by me.
Preferred solution: Full refund
User's recommendation: BEWARE
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 |
Murfreesboro, Tennessee
Resolved: Condo rental
Company fixed the issue and I have been provided with settlement agreement. Don't do business with the crooked company.
I was planning my trip back to the island of [GEOGRAPHIC_DATA] for a family reunion.
I found a condo for rent at [GEOGRAPHIC_DATA]. While checking out I was given a option to charge the room with AFFIRM.
I entered my information as was instructed. The application was denied by AFFIRM. So I researched another condo and paid for that condo with my check card. 3 days later I get notified by Affirm that I had a condo reservation with them and I owed Affirm $1900 or so.
I called everywhere but no response. I needed to ask Affirm what they was charging me for cause they denied credit. However they still wanted this money.
I finally got in touch with a human at [GEOGRAPHIC_DATA]. They gave me the contact I needed for the rental.
I canceled that first rent and got owner permission and was in boundaries.
However [PERSON_NAME] said I still owed them money. What for? You denied my application. Then when I went through proper cancelation procedure in due time, you still billed me for nothing I rented with you!!!
AFFIRM sucks!
They messed up my credit report because they claim i owe them money.
No.transaction occurred so why do I owe you anything?
Will tell the World how you guys operate. Dirty rotten company.
Deltona, Florida
Good experiences.
- - Affirm enabled affordable large purchases, like a shed.
- - Credit limits help keep payments reasonable, and declines sometimes prevented budget stress.
I wanted to do this review because many people will choose to complain when there is a problem but few will review when there isnt an issue. I have been a customer/patron of Affirm for 5 years thus far.
And although there may have been a couple(and I do mean only a couple -2) of questions during that time they were resolved punctually and respectfully.
There are some limitations on how much, when, with whom I do or dont have credit available with but this is more resides with the vendors themselves and less with Affirms choosing.Although they do have limits in place themselves this is to regulate and help customers in their ability to keep payments within reason for continued future use. There have been occasions where i was turned down for credit only to be thankful later on as it may have actually have put a strain on my budget had it been accepted. This has also taught me purchasing patience and weeds out wants from needs which can be helpful.
I really have had a very good experience with Affirm. Without it many if my larger ticket items would not have been possible.
(My shed, for example) Affirm made these purchases not only possible, but very affordable. Especially being on a low fixed income, credit does not come easy or without extra fees and such. The interest here is very reasonable for the payment time overall.
I for one am very thankful for the opportunity and ability they have given me for purchasing needs in my life. Where other creditors left my standing in the cold, Affirm opened up a door.
User's recommendation: If the experience you get is not what you might expect, I do suggest trying at an alternate time period as small changes can make a difference. And if one representative may not be able to help issues try calling back, there are others and no two people will be exactly the same. You may find someone more suited to your issue on another call.
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 need to change my phone number on my...
It was difficult at first. But after I explained to them exactly what I was dealing with, it became easier.
They worked with me until the problem was resolved.
But it still took too long. Now everything is working fine, right now.
I need to change my phone number on my Affirm account. My old phone number is no longer active.
I have tried to do it on line, but I keep getting too many attempts.
I have tried everything I was told to do. Please help me change my phone number so that I can continue to receive texts.
User's recommendation: Affirm is a great company and they should try it.
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Verified Reviewer |
Canton, Georgia
Unauthorized ACH withdraw
- - Reports an $8.43 unauthorized ACH withdrawal and poor service.
- - Cards ending in 9532 were locked, requiring deposit to cover a failed transaction.
Beware but definitely be persistent.Save all correspondence and get the names of the people you conversate with.I also contacted the BBB to complain and this was when I received my refund.
Affirm wanted me to deposit funds to my Affirm Money Account after they processed the Unauthorized ACH withdraw and I refused to deposit any funds. Why ?
Because my previous transaction Failed. And since the transaction Failed there was absolutely no reason at all to deposit any money to cover a FAILED transaction which was $0.00.
BUT they LOCKED my Affirm debit card which prevents me, (the customer) of making any further online purchases. Which is ludicrous customer service !!!!!
I attempted numerous times to get CS to assist me with a $8.43 Unauthorized ACH withdraw to no avail. All they did was make excuses and then lock my Affirm cards ending with 9532 indicating that I needed to deposit money in my Affirm money account to cover the Failed transaction.
Why would I need to cover a FAILED transaction ?
Anyway, now my Affirm debut card is LOCKED so I'm unable to use it as a customer.
That's not how a customer should be treated.
But apparently that is how Affirm treats customers. That's real sad.
Preferred solution: My card needs to be unlocked and I want an apology for the entire situation that took place.
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Verified Reviewer |
Matthews, North Carolina
I need some help please. I have an open...
- - Affirm account since July.
- - Stayed at Serenity Sound, NC.
- - Karen texted to stop payments.
- - Balance is $200.37; screenshots.
Make sure your money is going to the owner and that the company that is a 3rd party to affirm are on the up and up. Meaning they don't OVERCHARGE YOU FOR WHAT YOU HAVE NOT USED
We had booked the Serenity Dound for a long weekend. OUR SON IS A TYPE 1 DIABETIC.
WE HAD TO LEAVE ON SUNDAY CUTTING OUR VACATION BY 2 NIGHTS. WE WERE STILL BEING CHARGED FOR NIGHTS WE DID NOT USE. WHEN I MADE MY LAST PAYMENT, I RECEIVED A REFUND NOTICE AND THEN I WAS TOLD IT WAS APPLIED TO THE BALANCE.
THEN I RECEIVED A TE T FROM KAREN STSTING I SHOULD STOP MAKING PAYMENTS. HELP PLS
I need some help please. I have an open account with Affirm that I've been paying on since last july.
I stsyed at a place in *** called ***. I received a text today from the owner *** telling me to not make any more payments? I have screen shots. According to my account i owe
$200.37.
I'm also needing to book another trip but not sure what to do with the one listed above.
Apparently she isn't needing any more money for my stay there.
I don't want my credit affected. How can i send you the text
- Ready to book
- Hard to reach when you need help
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 Reviewer |
Detroit, Michigan
I am being taken advantage of by ***...
- - Coerced into an Affirm loan by the chiropractor; no treatment visits; on a fixed income, in pain, cannot pay.
I am being taken advantage of by *** and Legacy chiropractor in ***. I'll contact you both businesses multiple times to let them know I am no longer interested and having a loan with Affirm.
I have not seen the chiropractor one time and yet money is expected from me every month. I am still in pain and can barely walk, disabled, terminally ill, I'm a very fixed and limited income and cannot pay. I feel that I was hanging advantage of and coerced into getting the loan by the doctor telling me he can make me feel better. I feel that I have been tricked, lied to and we'll rather spend the little money I have on food and bills instead of paying Affirm monthly.
I spoke to a customer service with Affirm last week and she told me that everything was fine and to ignore the text and emails I received about the loan.
Obviously I was lied to because when I spoke to someone today he told me that a complaint was never filed. I'm very frustrated with both companies and don't understand how someone can lie and take advantage of a sick, elderly man.
Preferred solution: Apology
User's recommendation: Stay away!!!
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Verified ReviewerCargo no aclarado
- - Se planificó una compra por 1412 USD con la empresa Ali Exprees.
- - Se debitó 262 USD de la tarjeta que termina en 1063 y no recibí confirmación del pedido.
Active un plan para una compra con la empresa Ali Exprees por un monto de 1412 dolares con un pago inicial de 262 dolares que fue debitado de la tarjeta que termina en 1063 y no recibí confirmación del pedido .y el pago lo debutaron
Preferred solution: Deliver product or service ordered
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Verified ReviewerMultiple disputes - Incorrect outcome possible fraud
- - Amazon order was cancelled and not shipped; Affirm shows an active balance; customer disputes via BBB and seeks removal of the fraudulent account.
Yes, I stated in my initial complaint about this business. I have filed numerous disputes with them because in my opinion, this is a fraudulent loan..
I provided them a letter from Amazon confirming that my order was canceled, and the item was never shipped from the warehouse because the order was canceled almost immediately after ordering. How can a company charge you for something that you never received ? And how difficult is it for them to understand this? I’ve spent many hours trying to solve this issue with them and I get nowhere with the people and their customer service department.
I have provided them with the information they have requested and yet they still are unable to understand what I am saying.. when I asked to speak to someone in charge they say there is no one above them which I find it very difficult to believe when you are in business.
I intend to get this information over to Amazon and suggest that they consider to sever their contract or whatever business deal they have with a firm because they are very unprofessional and I will also spread the news with whatever media or social media, including the business Better Business Bureau and also the consumer advocacy program. .
I am writing to escalate a formal dispute regarding the loan/charge on my Affirm account related to the Amazon order referenced below. Despite multiple prior disputes and clear confirmation from Amazon that the order was cancelled and the items were not shipped, my Affirm account still shows an active balance for an item that I never received which was cancelled and had not even left their warehouse.
I am writing to escalate a formal dispute regarding the loan/charge on my Affirm account related to the Amazon order referenced below.
Despite multiple prior disputes and clear confirmation from Amazon that the order was cancelled and the items were not shipped, my Affirm account still shows an active balance for #I am writing to escalate a formal dispute regarding the loan/charge on my Affirm account related to the Amazon order referenced below. Despite multiple prior disputes and clear confirmation from Amazon that the order was cancelled and the items were not shipped, my Affirm account still shows an active balance for this purchase.
Cancellation confirmation from Amazon: Attached Cancelled / Not shipped)
Summary of facts
I am writing to escalate a formal dispute regarding the loan/charge on my Affirm account related to the Amazon order referenced below. Despite multiple prior disputes and clear confirmation from Amazon that the order was cancelled and the items were not shipped, my Affirm account still shows an active balance for this purchase. I do not feel that I should be charged for an item that I do not have and was cancelled almost immediately after order was placed.
I am submitting this information to the Better Business Bureau as well.
I have placed multiple dispute requests and provided information they requested and each time they request information that is not pertinent the the issue at hand. When I call Customer Service to explain over and over this situation it is like the person I am speaking with does not understand what I am saying in plain English. It has been very frustrating to say the least and I have spent hours and months dealing with this. I asked to speak with the Manager after speaking with a "Supervisor" who also did not understand what I was saying and he told me there was "no one else above him".
I called corporate and the computer phone prompt sent me to the Customer Service Team and I asked to speak to the Manager/Director of their Team and was again told that there is "no one above them".
I find this entire process to be unprofessional and I wonder if the CEO of this company would want his business handled in such a manner.
I would appreciate any assistance and resolution to this situation and the "fraudulent" account be taken off your books. Thank you for your time.
- Customer care team is very unprofessional and lacks critical thinking skills
Preferred solution: They need to refund the 2 payments I made on a loan that I did not owe and get this loan off their books! (I made the payments thinking it was for a different purchase I made from Amazon using this company)
User's recommendation: Do not use this company!
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Verified ReviewerComplacido
Excelente La Atención al cliente LA persona que me atendió tiene el conocimiento necesario para resolver nuestras inquietudes. Gracias
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Verified Reviewer |
Danville, Virginia
Never received my order and just want to cancel the whole thing.
- - Delivery date confusion between Amazon and UPS; no confirmed arrival.
- - Customer requests cancellation of the order.
- - Unable to reach support by phone.
I didn't received my order call and spoke to amonzon. They gave me 2 different dates .than called ups .they said it would be here on Tuesday..im just ready to cancel the whole thing .can never get anyone on the line .so if you can cancel it all together for me that would be great .I checked the amonzon page and it says it wasn't picked up with in 3 days they cancel it so I don't know what's going on.
Preferred solution: Full refund
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Verified ReviewerBeginning in June I began to have...
Up until June of this year. I was a happy customer.
For 4 years everything was smooth sailing. I purchased what I needed and paid my bills on-time, using my checking account as my payment method.
Beginning in June I began to have problems with you processing my payments for loans using my checking as payment method. Here it is July now and no one at your office is fixing this problem, I have called my bank numerous times and they say they have been 0 request for payment.
They said we can gladly honor the request for payment once they receive the request. The funds are in my account!
Preferred solution: I just want use my checking account as method of payment as I have used it for the last four years. I have been dealing with Afirrm for the last 5 weeks. They don"t fix the problem!!
User's recommendation: Ive been using Affirm for over 4 years. For those years my payments were paid using my checkiin as method of payment. Suddenly in June of this year my payments are not going
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 |
Carriere, Mississippi
My issue has not been fixed yet!
Issue was not resolved! Have to wait until the middle of next week!
Not happy about it! No more yo say about it hope it gets fixed by then.
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