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 3,087 reviews, with 44% likely to recommend; consumers are mostly neutral and sentiment skews toward unfavorable (56% unfavorable, 27% positive).
Key Takeaways for Future Customers
- Read recent Affirm reviews to gauge refund and billing responsiveness before using their financing.
- Expect easy application and fair payment plans but prepare for potential delays handling refunds or disputes.
Negative Feedback / Risk Areas
- Repeated Affirm customer complaints cite poor customer service and difficulty reaching a live person.
- Many report billing errors, slow or missing refunds, account access and identity‑verification issues.
Positive Feedback
Users praise easy application, flexible finance options, and fair payment plans; price level is considered medium and product diversity and privacy are valued.
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Affirm has a 2.6 star rating from 3,087 reviews, with 44% likely to recommend; consumers are mostly neutral and sentiment skews toward unfavorable (56% unfavorable, 27% positive).
Key Takeaways for Future Customers
- Read recent Affirm reviews to gauge refund and billing responsiveness before using their financing.
- Expect easy application and fair payment plans but prepare for potential delays handling refunds or disputes.
Negative Feedback / Risk Areas
- Repeated Affirm customer complaints cite poor customer service and difficulty reaching a live person.
- Many report billing errors, slow or missing refunds, account access and identity‑verification issues.
Positive Feedback
Users praise easy application, flexible finance options, and fair payment plans; price level is considered medium and product diversity and privacy are valued.
Media from reviews
Edinburg, Texas
Problemas con mi tarjeta de crédito
Tengo problemas para haser mis compras con la tarjeta me hase farta comunicarme con un recargo por teléfono en Español
User's recommendation: Si claro que si me gusta ser cliente en un futuro
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 |
Orchard Park, New York
Affirm Denied Dispute Despite Clear Evidence and Merchant Misconduct
I am writing this after Affirm denied my dispute, appeal, and ignored multiple follow-up attempts despite extensive documentation showing clear merchant misconduct.
The dispute involved a purchase from TheRetroSnap made using Shop Pay installments through Affirm. I paid extra for expedited processing with an advertised 49 day delivery guarantee.
That guarantee was missed by several weeks. Furthermore, the product shipped from China despite being advertised as a product shipped from Canada and the US.
Although the merchant marked the order as shipped shortly after purchase, carrier tracking showed it was still waiting for information, meaning the item had not entered physical transit. After the guaranteed delivery window expired, I submitted a formal cancellation request before the item was ever shipped. That request was ignored for over a week and then refused.
The item did not actually ship until after I opened a dispute with Affirm and arrived nearly a month after the original order date.
My dispute was not about non-delivery.
It was about:
* A missed delivery guarantee
* A refusal to cancel an order that had not shipped
* A merchant who delayed shipment until after a dispute was opened
* Misleading advertising
Affirm denied the dispute solely on the basis that the item was eventually received, without addressing the documented timeline or the cancellation attempt.
I provided extensive evidence, including:
* Proof of the guaranteed delivery window
* Carrier tracking showing no shipment during that window
* Written cancellation attempts made before shipment
* Documentation showing shipment occurred only after the dispute began
None of this was meaningfully addressed in Affirms decision.
After my dispute and appeal were denied, I attempted to resolve the issue directly with Affirm Customer Care multiple times before posting any public reviews. Those attempts resulted in either no response at all or generic, templated replies that did not address the substance of my case.
When I later posted a public review, Affirms only response was to redirect me back to their Customer Care email...the same place that had already failed to provide a meaningful response. No new review of the evidence was offered, and no effort was made to actually resolve the issue.
Since then, I have learned that other customers affected by the same merchant were able to successfully dispute similar transactions through their banks or payment providers, in some cases after being advised to do so by those institutions. Affirm refused to take comparable action.
I ultimately paid off the remaining balance only so I could close my account and disengage from Affirm entirely.
This experience raises serious concerns about Affirms dispute investigation process and their handling of public complaints.
Redirecting customers back to unresponsive or ineffective support channels is not a resolution. Based on my experience, consumers should not assume Affirm will fairly evaluate disputes even when clear documentation exists.
Preferred solution: Full refund
User's recommendation: Choose a competitor, you'll be better off
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 |
Xenia, Illinois
Amazon order
Im pissed because they took so long to pay for my Amazon order ,Amazon put all my things back .So after they put it back then they decide to pay .I had to find the things I ordered and pay another way .Now Affirm exspects me to pay them back for product I never recieved .And they will not talk to Amazon about this problem .Tha ks Annette
- Lower intrest rate
- Take to long to pay
Preferred solution: Them to take off the 184.00 off my payment schedule, cause I didn't receive the product .And they took to long to pay Amazon .
User's recommendation: Don't use Affirm
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.
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 |
Cincinnati, Ohio
Servicio al cliente
Muy malo deficiente porque le dan a uno para tener ascenso de cuotas y como es posible que para la población latina no puedan hablar o comunicarse en español
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 |
Cincinnati, Ohio
No puedo actualizar mi cuenta para poner otro email y cambiar número cuenta
Tengo que actúalizar mi cuenta y poner un email nuevo y no tienen personal para la comunidad latina mientras tanto no puedo pagar
Preferred solution: Resetear mi cuenta
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
Brands Related to Affirm
Companies Similar to Affirm
Afterpay
“I'm pretty sure this is a company authentication unit for the credit bureau of ÑÀSÁ C. Columbus on...“
Klarna
“I loaded money and can't use it. I would like to request it back, please. $50. I have attempted more...“
Sezzle
“Still waiting for a resolution for my issue. They are working on it. They are going to email me, and if...“
Quadpay
“Ive never dealt with them before. I dont know who used my info . I dont even know what find of business...“
Thank You for Your Reply! We are processing your message.
Your comment is successfully posted.