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 4998 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 4998 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.33% of users think that Affirm should improve its Customer Service.
40% of users say that they won't use Affirm in the future for similar services or products.Recent recommendations regarding this business are as follows: "Beware of shady Sales Person at ASAP Tickets Office", "BEWARE", "Use someone else", "Only deal with them if you will never need customer service", "Don't depend on this company for financial assistance".
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
"To get payoff amount"
It was somewhat complicated to contact Affirm from the app or the browser. But when I was able to get the contact number my issue was solved promptly. Thank...
"No resolution"
Did resolve problem. I have ti wait for Affirm to contact me before its resolved. Its been a month that Ive been calling them
Caloocan City, Manila
Unauthorized transactions that was Declined but authorized by your Sales Person by the name North
Im disappointed with this Sales Person by the name North who automatically updated my account with out my permission, I have been trying to get in touch with him but no luck yet since Early March of this year. I tried to make a payment which didnt feel right, so decided to stop my automatic payments: No response from AFFIRM either.
User's recommendation: Beware of shady Sales Person at ASAP Tickets Office
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 Horrendous Customer "Service" Zero Stars
About a week after I submitted this report, they contacted me and said they were working on it.Yet, as of today, 5/20/2025, they have ghosted me and again left me hanging.Absolutely horrible! Despicable. On the borderline of illegal, in my personal opinion.Stay away unless you are ok with the risks of not having ANY support when a retailer rips you off!
Ive had enough of Temu and their subpar products. I recently dealt with a product that was nothing short of a complete disaster.
Take a look at the attached photos clearly, its junk!
Neither Temu nor the merchant offered any assistance. Its important to note that I had the product for about 1.5 to 2.0 months, which means I was beyond Temus return window.
So, I decided to turn to Affirm for help. Ive never asked them for anything before, despite having taken out over $30,000 in loans with them. I thought they might be willing to assist me this time.
I was sorely mistaken.
After filing a dispute with Affirm about the quality issue and the merchants refusal to provide a refund or replacement parts, I waited 90 days for a response.
What did I get? A determination claiming that the merchant stated the product was delivered by FedEx, and therefore, my dispute was denied.
This is not the issue! I never argued that I didnt receive the item!
Their disconnection from reality and basic comprehension is astonishing.
To add insult to injury, when I reached out to address their inadequate resolution, I was met with a robotic response that showed zero concern. I was told to file another dispute.
Can you believe this?!
The only way we can combat this utter disregard is to stop purchasing their products and using their services.
Im done with AI-driven companies like Affirm and Temu.
It seems Amazon is heading down the same path. I wont support them any longer, and neither should you.
In closing, let me be very clear: Affirm, Temu, Amazon you're all FIRED!
Michael
I am a disabled American military veteran living in Virginia.
- Ai and bot driven company
- No human communication
- Lack of care
Preferred solution: 1. An apology from a human being 2. Full refund 3. For them to confront the vendor, merchant, and platform (Temu) and resolve or penalize the responsible parties
User's recommendation: STAY AWAY! They will not have your back!
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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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 ReviewerTerrible responses for resolution
I loved Affirm at first until I changed my phone number and email address. I have spent the last six months and dozens of phone calls trying to get them to update this info.
I have not had these problems with any other company. Ridiculous!
Preferred solution: Them to process my change of information and resume payments to walmart
User's recommendation: BEWARE
West Sacramento, California
No resolution
Did resolve problem. I have ti wait for Affirm to contact me before its resolved. Its been a month that Ive been calling them
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 ReviewerOvercharges
After making a purchase but before the first payment was due they shut my account off so no payment could be made. In order to restore service they wanted all my private info including my SS number.
This company Service Department is based in Indonesia. I refused. It took several calls and a supervisor to finally make some progress on restoring service. This only happened after mush arguing.
I never did give my SS#, so why did the first few Service Reps demand it??? This company is not to be trusted.
- Offers 90 days same as cash
- Locks your account so you cant pay and incur additional charges
Preferred solution: Full refund
User's recommendation: Never do business with them
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 |
Anaheim, California
Can't speak to someone in person
Chat with a computer only. When transfer
You are asking for a credit card number to pay.
After Six tries I gave up
User's recommendation: Only deal with them if you will never need customer service
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 ReviewerRude agent
When I called and gave the agent the information I had from both the website and the app, he was very unprofessional, rude, and nasty. Whatever you do, avoid Affirm and ShopPay at all costs.
They do not care about their customers or disabled customers. Agents need more training on how to treat customers with courtesy and respect.
- Lot
Preferred solution: Better training on how to deal with disabled customers.
User's recommendation: Avoid like the plague.
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 ReviewerFailed to Give Refund for Returned Defective Item
I purchased a chainsaw from Walmart.com and paid with Affirm. The chainsaw was defective, so I returned it.
However, I had already paid $80 of the $140 owed. I received a $15 refund from Affirm. When I contacted them, I was initially informed that I didn't receive a full refund because Walmart didn't issue a complete refund. After verifying with Walmart and contacting Affirm again, they mentioned they don't refund paid interest.
Hence, they retained $65 for an item that I purchased through them. It was defective, so I returned it!
- Shady business
Preferred solution: Full refund
User's recommendation: Do not use this service
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 ReviewerJust to inquire how can i join
Just try it. It will work whether you're interested or not.
Then, if I find it good, I will proceed with joining here. Thank you.
User's recommendation: 99%
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 ReviewerDishonest billing
*** NO.
I kept getting reminders to pay which were repaid. Weeks passed, the check cleared and AFFIRM said they were refunding my overpayment. More time passes and NO check ever came. No rectified statement, nothing.
Reaching anyone in Customer Satisfaction is a waste of time and temperament - they don't exist other than where English is a 3rd language. I offered several plans all of which were ignored despite promises of acceptance via calls.
For sure never trust anyone with phone name 'Linda' or 'Steve'
Confirmed that Affirmed is beyond dishonest. Use layaway!
- Use at any walmart
- Use at any walmart
Preferred solution: Apology
User's recommendation: Avoid 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 ReviewerTo get payoff amount
It was somewhat complicated to contact Affirm from the app or the browser. But when I was able to get the contact number my issue was solved promptly. Thank you.
- High interest rate
Preferred solution: Nothing
User's recommendation: Use Siri to get their contact information. To affirm you should put that information on your app and website. If is is there it’s difficult to get to
Baton Rouge, Louisiana
My issue has not been resolved yet.
I have been caught up in a run-a-round. Affirm company sent me info that l owe 1,430.89 on a loan from Brinks Security Company.
I only made inquiries with them. I have talked to personnel in billing at Brinks several times. They have no record of me making a purchase or about payments. The last person said perhaps it was a quote.
I am at my wits-end. It seems that the matter could be solved if they just call Brinks Company for themselves.
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 |
Conroe, Texas
Technical
Unable to complete application due to photo will not upload. I have had this problem ever since having to change my phone number I have not been able to use affirm even though I am in perfect standing with my loan payments for years and have current purchasing power I er $2000 I am not allowed to use this payment option all because of device technical difficulties.
It isn't fair, it's not right, and there is no one to help resolve the problem. As a result Affirm has lost a good long time customer.
New York, New York
Failure to approve my 4 payment plan when I have used it several times before.
I want to know why I wasn't approved and I will use Klarma in the future.
...I have nothing else to say to your disappointing company that I have used before.
.. ? ?
,.
User's recommendation: Use someone else
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 ReviewerCustomer Service
Supervisor from phone line said it was due to the holidays. Asked me to call tomorrow if it is not resolved.
I first contacted customer service regarding this and I get told that it's a policy thing and the three cents will get dropped when my payment processes within 3-5 business days. Cool. I use the chat again and when I brought this up, my chats get continuously dropped after blowing me off with "just keep waiting", including by a supervisor! I am forced to call after customer service refused to transfer me back and I get now told "oh no, you have to wait 5-8 business days."
I like Affirm as a service but customer service is abysmal and appears to enjoy copying and pasting general answers rather than giving human and helpful response.
EDIT: I ended up speaking with a supervisor over the phone and she actually gave me a human answer and said it is indeed 3-5 business days.
She has told me to call tomorrow if it is not processed by today.
It is very sad I had to waste almost an hour and half of my life just to speak to someone who wouldn't give me a generic answer. Do better Affirm!
- Can spread out a purchase over time instead of all at once
- Customer service
Preferred solution: A resolution and an improvement with customer service
User's recommendation: Avoid affirm if you can
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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.