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Affirm

Affirm

www.affirm.com
What is your customer experience with 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 5002 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.

View full overview ›

Media from reviews

Affirm - Unhappy
I have used this company for at least three years, never had any problems. I bought two...Affirm: Your $74.37 Walmart c $74.37Affirm: Your $74.37 Walmart c $74.37 - Image 2Affirm: Your $74.37 Walmart c $74.37 - Image 3Affirm: Your $74.37 Walmart c $74.37 - Image 4Affirm - Horrible Horrendous Customer Service Zero Stars
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Top Affirm Reviews

Positive Review

"To get payoff amount"

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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...

Critical Review

"Horrible waisted call they dont know anything! No answers for the issue!"

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Have your cals for the United States in the US . I cant understand what they are saying and they dont know anything User's recommendation: US call from US

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account customer service customer service payment phone number phone number issue credit
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Anonymous
map-marker Rosemead, California

Unhappy

Affirm - Unhappy

Affirm assigned 2 different card #. When merchant went to send refund.

They couldn't return money to the new # and the first card wasn't there any more.

Now merchant sent me proof of the new refund and Affirm is slow dragging the return. Unacceptable..

View full review

User's recommendation: Be careful

Phyllis B Sua

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
| map-marker Queens, New York

I 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.

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I have used this company for at least three years, never had any problems. I bought two...

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.

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User's recommendation: They are not going to help you, they just want your money.

Fradna P

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
| map-marker Naples, Florida

Affirm: Your $74.37 Walmart c $74.37

Affirm: Your $74.37 Walmart c $74.37
Affirm: Your $74.37 Walmart c $74.37 - Image 2
Affirm: Your $74.37 Walmart c $74.37 - Image 3
Affirm: Your $74.37 Walmart c $74.37 - Image 4

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.

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Mike J Pxq

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

Horrible Horrendous Customer "Service" Zero Stars

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Affirm - Horrible Horrendous Customer Service Zero Stars
Affirm - Horrible Horrendous Customer Service Zero Stars - Image 2
Updated by user May 20, 2025

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!

Original review updated Feb 11, 2025
Dont get lured in by promises only to find yourself stuck when something goes wrong, left with nothing but their AI and automated responses.
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.
View full review
Loss:
$450
Cons:
  • Lack of care
  • No human communication
  • Ai and bot driven company

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!

Daphnie G

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

I did not pay my account so can I pay tomorrow sorry for that I am on the island I have an emergency

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I have an emergency with my mom, so I am on the island. I'll be back on Saturday, 14th June.

I don't want my account to get messed up. Please, sorry, I will pay tomorrow.

View full review

Preferred solution: Apology

Resolved
Anthony White

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

Resolved: Denial

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Updated by user Mar 24, 2025

Approval.

Original review Mar 19, 2025
I have a >830 FICO score and all bills are paid within one billing cycle; they asked for a copy of my U.S. passport, cellphone texts received, took my photo with my computer to verify the image on my passport, and still I was denied.

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.
View full review
Cons:
  • Outsourced personnel

Preferred solution: Loan Approval

User's recommendation: Don't depend on this company for financial assistance

5 comments
Guest

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.

Guest

People with an 830 credit score would not go near Affirm for anything. Nice try though.

Guest
reply icon Replying to comment of Guest-2670016

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?

Guest
reply icon Replying to comment of Guest-2670063

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.

Guest
reply icon Replying to comment of Guest-2670088

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.

View more comments (4)
Kyran Tug

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
| map-marker Philadelphia, Pennsylvania

Horrible waisted call they dont know anything! No answers for the issue!

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Have your cals for the United States in the US . I cant understand what they are saying and they dont know anything

View full review

User's recommendation: US call from US

Brandon A Eyk

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

Get access to my account

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Updated by user Jun 05, 2025

Their customer service is the worst they just keep pushing it off and you can never talk to anyone in charge

Original review May 21, 2025

I still don't have access to my account due to having to verify my identity and still have not received the link to submit it.

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Preferred solution: Access to my account

Lynn C Xgt

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

Terrible responses for resolution

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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!

View full review

Preferred solution: Them to process my change of information and resume payments to walmart

User's recommendation: BEWARE

Leticia Sgr
map-marker West Sacramento, California

No resolution

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Did resolve problem. I have ti wait for Affirm to contact me before its resolved. Its been a month that Ive been calling them

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Mark D Xxi

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

Overcharges

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Contains 1 confidential file for company representatives

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.

View full review
Pros:
  • Offers 90 days same as cash
Cons:
  • Locks your account so you cant pay and incur additional charges

Preferred solution: Full refund

User's recommendation: Never do business with them

Karalee Xat

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
| map-marker Anaheim, California

Can't speak to someone in person

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Chat with a computer only. When transfer

You are asking for a credit card number to pay.

After Six tries I gave up

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User's recommendation: Only deal with them if you will never need customer service

Bellaluna1993

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

Rude agent

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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.

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Cons:
  • Lot

Preferred solution: Better training on how to deal with disabled customers.

User's recommendation: Avoid like the plague.

Megan C Yfb

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

Failed to Give Refund for Returned Defective Item

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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!

View full review
Loss:
$65
Cons:
  • Shady business

Preferred solution: Full refund

User's recommendation: Do not use this service

Arsenio T Bzy

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

Just to inquire how can i join

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Affirm - Just 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.

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User's recommendation: 99%

Gary W Awq

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

Dishonest billing

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Updated by user Feb 25, 2025

Still unresolved. Worse, it's been ignored.

Several contacts via Affirms own problem reporting form.

This gets a nonreply link saying someone is working and within 48 hours yeah yeah. NO ONE EVER FOLLOWS UP!

Updated by user Jan 28, 2025

*** NO.

Original review Jan 26, 2025
I had paid ahead to reduce the term, pay off early, and set a favorable review on future purchases. To protect against *** attacks, I mailed my check in; overpaying by about $20 to prepay on account.

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!
View full review
Loss:
$167
Pros:
  • Use at any walmart
Cons:
  • Use at any walmart

Preferred solution: Apology

User's recommendation: Avoid AFFIRM

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