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.
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.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: "Be careful", "US call from US", "They are not going to help you, they just want your money.", "Beware of shady Sales Person at ASAP Tickets Office", "BEWARE".
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...
"Horrible waisted call they dont know anything! No answers for the issue!"
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
Rosemead, California
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..
User's recommendation: Be careful
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 |
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.
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 Reviewer |
Naples, Florida
Affirm: 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.
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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 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.
- 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!
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 did not pay my account so can I pay tomorrow sorry for that I am on the island I have an emergency
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.
Preferred solution: Apology
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
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 |
Philadelphia, Pennsylvania
Horrible waisted call they dont know anything! No answers for the issue!
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
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 ReviewerGet access to my account
Their customer service is the worst they just keep pushing it off and you can never talk to anyone in charge
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.
Preferred solution: Access to my account
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
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!
*** 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
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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.