Affirm Reviews

Affirm

I am a 74 year old disabled Senior Citizen who went to Best Buy on July 28,2026 to inquire about purchasing a laptop computer. I explained to the sales representative what I needed and he recommended a chrome book.

I wanted to use Affirm so I went home and purchased what he recommended through Affirm. I immediately realized he had misinformed me about the laptop and I canceled the order through the Best Buy app. The reseller who is PC HEAVEN intercepted the order and returned it to the them. PC HEAVEN credited the purchase to Affirm Visa 3579 @ 2:07pm on July 30, 2026.

I noticed that my Affirm account was not being credited so I called customer service and they told me that they had not received the credit.

I contacted PC HEAVEN and they sent me the proof which I sent to Affirm.

Another Affirm customer service representative told me that I needed to start a dispute which I did on 8-5-2026 per her advice and my account was locked! I called Affirm customer service numerous times and even messaged them on Facebook to no avail.

Now I get a letter a month later that Affirm is sending me a check in the mail for a pc that I never received. I again called customer service and asked them why they were sending me a check and they informed me that it was because they couldnt credit my Affirm account because it was in dispute however I was told that the dispute was settled. Now they are sending me a check and I cant pay Affirm because the account is locked and I have not received the check.

Now they unlocked my account and are saying I am late but I never got the refund check that was supposed to have been credited to the Affirm card.

They are trying to charge interest for a account that was credited by PC Heaven on July 28.

I did not file a dispute until August 5 on the advice of Affirms customer service rep so the refund should have went to the Affirm card!

This is outrageous! To treat a loyal customer like this is reprehensible!

Cynthia Rentch

Affirm is guilty of a FRAUDULENT ACH Bank transfer has been processed to my Checking Account and this serves as a WARNING of FRAUD
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attempt to collect because the transaction to PayPal Thiftbooks FAILED and no order was ever processed $0.00 was to be withdrawn.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.

This story took place last year in 2025.
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.

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.