Affirm
Affirm Overview
The aggregated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Affirm has 2.7 star rating based on 4968 customer reviews. Consumers are mostly neutral.
44% of users would likely recommend Affirm to a friend or colleague.
- Rating Distribution
Pros: Fair payment plan, Great finance options, Easy application.
Cons: Poor customer service, Difficult to get a person, Difficult to contact.
The aggregated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Affirm has 2.7 star rating based on 4968 customer reviews. Consumers are mostly neutral.
44% of users would likely recommend Affirm to a friend or colleague.
- Rating Distribution
Pros: Fair payment plan, Great finance options, Easy application.
Cons: Poor customer service, Difficult to get a person, Difficult to contact.38% of users think that Affirm should improve its Customer Service.
38% of users say that they might use Affirm in the future for similar services or products if the company resolves their current issue.Recent recommendations regarding this business are as follows: "STAY AWAY FROM THIS COMPANY; INFLEXIBLE AND ZERO CUSTOMER SERVICE!", "Omg no", "Good program, weird execution.", "Watch this app doesn't always work", "STAY AWAY FROM AFFIRM".
Most users ask Affirm for the refund as a solution to their issues.
Review authors value the most Diversity of Products or Services and Privacy and Data Security. Consumers are not pleased with Customer service. The price level of this organization is medium according to consumer reviews.
Media from reviews
Top Affirm Reviews
"Issue with loan"
I never got a loan. Affirm took the full amount, which makes no sense. Why would I pay the full amount to Affirm when I could have paid the full amount to...
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
Predatory company, refuses to work with me on solution, constant messages and calls
I have a few loans with Affirm. I hit a financial crisis and was unable to make payments.
Furthermore, I spoke to an agent over the phone who was incredibly rude and refused to do anything to help - she said it was my fault for having all the loans. Maybe, but I didn't expect them to be this inflexible and aggressive.
I sent a previous message with pissed consumer, they read it, and didn't respond, so I'm trying again.
Affirm has been sending me dozens of automated text messages and emails per day regarding my late payments, as well as calling my home from different numbers 35 times per day. I plan on submitting a complaint with the Consumer Protection Office to see if something can be done about this excessive messaging and calling that is becoming akin to harassment. I am incredibly stressed out and disturbed by all this unwanted contact when I can't pay.
Frankly, I have never encountered a company with such poor customer service, such predatory sales tactics, and complete inflexibility to work with a willing customer on a reasonable solution when they hit a crisis and have trouble paying on time.
I am not trying to renege on my loans. I simply want a deferral or reduced payments until I get back on my feet.
Affirm, groceries (which are at grossly inflated prices right now for everyone.) , utility bills, and mortgage come before your loans. I am willing to work with you, but I need to be cut some slack and for the constant messages and calls to cease.
Preferred solution: I would like my payments deferred for the time being, and then a reasonable payment plan worked out that works with my budget.
User's recommendation: STAY AWAY. They prey on people with limited income and modest credit. High interest rates, refuse to work with you on flexible payment, messages and calls in ridiculous volumes, and nonexistant and/or hostile "customer service"
This review is written by an individual who has purchased the reviewed product/service and/or confirms being a paying customer of this company. Check our FAQ
Verified Buyer |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
Absolute Worst Customer Service
The worst customer service I've ever experienced - I keep getting this message that there's some suspicious activity on my account whenever I try to use the service, and I can't even log into my account due to it being frozen, with no information on how to fix it. I have called, as suggested, multiple times over many months and have only received the same response every time that the issue needs to be escalated to verify my identity.
Then I never hear back in any capacity whatsoever. They don't offer any other means that I've been able to find for assistance either.
They say to log into your account for better service, but I can't even do that. What am I expected to do here?
- Buy now and pay later
- Lack of communication and help from customer service
- Customer service and website are horrible
- Lack of customer service support
Preferred solution: I would like to receive a response from Affirm that is actually helpful and resolves my issue.
User's recommendation: If customer service is important to you, steer clear of this company.
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 |
Greenbrier, Arkansas
Loan is paid off asking for more than on file and another account is
Can not get ahold of anyone other than the ones saying they will look at it . One of my loans are paid off due to system glitching when I pay payment it asks for more no only on one account but others
Wellsburg, West Virginia
Refund issue
I recently sent back a purchase to Amazon and they said they refunded my money to the payment method, which was my debit card. I have not received that refund and when I contacted them, they said they do not see anything online regarding it.
This was a purchase that I used affirm to pay for. I currently have one more payment to affirm. How will I receive my refund? Will I need to make that last payment first?
Is affirm the group who will refund my money. Amazon has stated it is already refunded to my debit card
User's recommendation: NEVER use AFFIRM! If you run into a situation like mine, you will first of all not be able to understand anything they say to you on the phone and I think that is on purpose. Secondly, they will tell you if you finish making your payments that they will refund the money that is owed you for your partial order refund Which is also not true.
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
Absolute Worst Customer Service
The worst customer service I've ever experienced - I keep getting this message that there's some suspicious activity on my account whenever I try to use the service, and I can't even log into my account due to it being frozen, with no information on how to fix it.
I have called, as suggested, multiple times over many months and have only received the same response every time that the issue needs to be escalated to verify my identity. Then I never hear back in any capacity whatsoever.
They don't offer any other means that I've been able to find for assistance either.
They say to log into your account for better service, but I can't even do that. What am I expected to do here?
- Buy now and pay later
- Lack of contact methods
- Customer service and website are horrible
- Customer service are not helpful
Preferred solution: I would like to get a helpful response from the company that resolves my issue.
User's recommendation: If customer service is important to you, steer clear of 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 |
Corona, California
Estafa
Es Una estafa y nadie responde ni el banco ni el vendedor ESTAFA los voy a denunciar ya le dije a mi familia y amigos que no compren nunca por este medio. No tiene comunicación con el cliente quien es la persona más importante en la transacción y quien refiere a más personas para futuras compras pero a ustedes nada recomendable nunca.
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 |
Portland, Oregon
Lousy service
I punched in to get my loan approved, but the loan didn't go through. I punched in to get my loan approved, but the app didn't follow through.
User's recommendation: Watch this app doesn't always work
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 |
Brooklyn, New York
I lost my Affirm card. Can you please send me another one and cancel the one I lost
I lost my affirm card. Please cancel that card.
I dont want nobody using it so if you could send me another card, I appreciate it. I was trying to call but nobody answer.
My number is 646-573-****. Can you please let me know if you could send me another card.
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
The customer service
I have waited so long for them to help me change my account information because a private event in my life caused me to change numbers and email for safety reasons. I have called them in the past and am now trying again.
Somehow, someone has closed my case, and someone else has submitted this case over and over again.
I have waited for a total of about 7-8 business days combined and they lie, claiming they will get back to you within 3-5 business days. It's ridiculous and unprofessional.
- Great finance options
- Terrible consumer services that never work
Preferred solution: A resolution for my account info to be changed and stop running circles around me.
User's recommendation: Check and make sure everything is right and change your stuff before hand and do not depend on their customer service because they will run circles around you and are terrible.
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
Not sending code
I'm trying to use Affirm and I'm not getting the code to my email. It sends the code to my phone number, but not to my email.
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
Charge off on my credit report
I made a purchase on Amazon with Affirm. I then canceled and refunded the order.
Since the order was canceled and refunded, I shouldn't have been responsible for the loan. I thought everything was settled after I canceled and refunded the order.
However, now, one or two years later, I see a charge-off on my credit report. It's been almost impossible to get in contact with someone to take care of this.
- Can spread out a purchase over time instead of all at once
- This crap
Preferred solution: The charge off removed from my credit. Because of this my credit score has been affected and haven't been able to her a car loan in the price range I need. Affirm owes me much more then just the credit report fixed
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
Locating package
Hey! So, I'm just trying to figure out where my latest package I ordered through Amazon is.
I'm afraid it was delivered to the wrong address. I've made two payments on it as of now. I don’t have an order ID because it does not show up in my Amazon order list.
And I can't find any specifics on my Affirm app. Please advise what information you would need in order to figure it out.
- Convenient
- Hard to track and keep up to date with your order
Preferred solution: Deliver product or service ordered
User's recommendation: Good program, weird execution.
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
Case # 2736****
Hi I'm very upset affirm took it upon themselves to apply a refund to a lone that doesn't exist if you look at the pay now trans action that was taken out of my account for 597.78 was for two transactions one was on March 13 one was for 197.78 and the other 400 bucks. Neither one was converted into a pay later loan.
There was a partial refund that's associated with the 197.78 transaction for 5.31. After things couldn't be worked out between me and the seller I sent the item back and 187.03 was refunded. The problem is that I refunded to a loan that it doesn't exist/doesn't belong to instead of sending it to my bank account. I paid for the 197.78 in FULL and DID NOT take out a loan.
Affirm decided to on there own without my permission send the refund to one of my other loans I have out with eBay WITHOUT my permission. I have no pass due balances on any of my plans and all are paid up to date. I WANT MY MONEY BACK. Please correct the issue as your agents are limited and don't seem to understand outside of there capabilities of what happened.
I spoke with two supervisors and one finally converted this into a case her name was Jab that was the name given. Case#2736****
- Quick loan solutions
- Depend to much on a app customer service robotic
Preferred solution: Full refund
Toronto, Ontario
I needed help to lower amount to be approved and wasn't understanding
She was rushing me off the phone wasn't explaining anything properly to me. So I hanged up pissed and frustrated
User's recommendation: Omg no
This review is written by an individual who has purchased the reviewed product/service and/or confirms being a paying customer of this company. Check our FAQ
Verified Buyer
DO NOT USE. They will charge you however many times they feel after you’ve paid off your loan amount.
I recently purchased an item with Affirm with the understanding you pay in four increments. I did that and even paid off the last two payments at once to close the loan.
Come to find out, three additional payments were taken out of my account after I completed my loan 3 months later. They claim they have no trace of these payments and now are forcing me to do a chargeback with my bank! Totally unfair for me and my bank.
I have yet to get a refund as my bank is investigating, smh. They will rob you until you find out.
- Pretty much guaranteed loan
- Steal your money
Preferred solution: Full refund
User's recommendation: I recommend NOT USING AUTOPAY or not at all! I assume that’s why they got the additional payments since your information is on file.
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
Can’t see my loans
Hello, this is the 7th time I have reached out to Affirm. I have no issues repaying my loans through Affirm.
However, when I log into my account, I am unable to see these outstanding loans, just one from Temu. Until I am able to see the outstanding balance on my account, I will not be making any payments. If you can fix my account so I can see any outstanding balances or any overpayments needed to be paid, I can clear this up immediately. I am very busy as I have work and a child.
I have called multiple times and gotten nowhere with customer service. This is my paper trail now, requesting you to fix this issue immediately.
Looking forward to your response. Best Regards, Bryanne Hogan Asante
Preferred solution: I would like to view my loans so I can make a payment. I am not making a payment when I am unable to view my loans or access my account. They have been charging me for months but won’t allow me to view what is outstanding.
User's recommendation: Don’t get loans or payment plans through affirm.
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I learned a valuable lesson with them from now on if I can not afford it at the time I will not get it, I will not get sucked into this small loan crap this has definitely caused me hardship. For their error and reporting. I used them to build up my credit in the end they caused me to lose a mortgage due to there remark of late payment, which never happened Thanks so much AFFIRM.