AffirmReviews 481

My account has somehow been compromised because I keep being referred to as Jeffrey in the emails I receive regarding my account being frozen after trying to log in when that definitely is not even close to my name, and the account has been locked for going on a couple years now, with no help whatsoever from multiple phone calls at various intervals. They keep telling me they can't verify my identity because the name doesn't match (since I don't know the last name of this "Jeffrey") even though my phone number and email and date of birth are correct. I've even expressed my account security concerns, and they still won't even let me just close the account either.

I had affirm and was never able to use it! Worst customer service ever. Can't understand the agents at all

Affirm is charging me over $3000. For legal services I did not receive. They refuse to help me. This is theft.

Absolutely Disgraceful – Affirm Is a Predatory, Disorganized Scam Masquerading as a Legitimate Company Using Affirm was one of the biggest financial mistakes I've ever made. I trusted this company to provide a simple, transparent credit option for an online purchase — instead, I ended up tangled in a nightmare of poor service, misleading terms, and abusive billing practices. First of all, the product I purchased through Affirm was defective and unusable. I contacted the seller, who agreed that the item was terrible and unfit for use — but since Affirm had already paid them, they washed their hands of the issue. So, naturally, I contacted Affirm, thinking I'd get support or at least some basic mediation. What I got was a robotic reply, followed by weeks of silence, then aggressive billing reminders as if none of the concerns I raised ever existed. They were completely uninterested in helping resolve the issue. They don't care if the product was garbage or if you got scammed — they just want their money. To make matters worse, dealing with their "customer service" is an exercise in futility. You'll be routed through clunky, impersonal email threads or forced to interact with undertrained representatives who clearly don't speak fluent English and seem to follow scripts with no ability to actually address your issue. Communication is slow, frustrating, and utterly pointless. It feels like Affirm goes out of its way to be as unhelpful and inaccessible as possible. What's even more offensive is the way they present themselves — as some modern, consumer-friendly alternative to credit cards. Don't be fooled. Their business model is every bit as predatory, if not more so. They use sleek branding and buzzwords to trap people into overpriced installment plans, offering "flexibility" while drowning you in fine print, hidden fees, and rigid payment structures that punish you at every turn. God help you if you miss a payment — they'll hit you with penalties while pretending to offer "support." And despite the fact that this company operates across the U.S., there is nothing about them that feels rooted in American standards of service or accountability. Everything is outsourced, disjointed, and impersonal. It feels like you're dealing with a faceless entity that exists solely to extract money from you with zero regard for fairness, empathy, or resolution. Bottom line: Affirm is a disgrace. They offer no buyer protection, no recourse, and no customer service worth mentioning. Once they get their claws into you, you're stuck. If the product you buy turns out to be junk, that's your problem. If the merchant disappears, that's your problem. Affirm just wants the money. Avoid this company like the plague. Use a real credit card with real protections. Affirm is a trap, a scam in slick packaging. You've been warned.

I ordered a dehumidifier from Amazon in April 2025. I signed up for monthly payment plans with Affirm. No problems. Dehumidifier was defective, so had to return it. A month later in May 2025, I find a dehumidifier on Walmart.com. Go to order it, choose Affirm, and was denied, citing a negative payment history. WHAT PAYMENT HISTORY? I made one payment and had to return the product. I called Affirm, and they had no explanation, did there was nothing they could do, and claimed the reason for my declination was my credit history. But only a month prior there was nothing wrong with my credit history!

I have spent thousands with Affirm, and one loan was canceled 7 minutes after placing it with Expedia. I was given a partial refund, so I disputed this with Affirm. I ended up getting my full refund after 2 months. During this 2 month investigation, the loan was frozen. They reported to Experian that I was late paying even though this was refunded. I have been fighting this for 5 months for something that shouldn't have been an issue in the first place. Customer Service has been an issue. Copy and pasting with different company names in the responses and refusal to help.

I had no problems for approximately a year and a half, and then, sometime in December 2024, I was suddenly unable to log in to check the status of my loans or to use Affirm as an alternate payment method on Amazon. I have repeatedly contacted their help centre and keep receiving responses telling me how to update my phone number, which is not what I'm trying to do. I'm using the same phone number I've been using for the past two years, and have used without issue both on the Affirm app and on the site, as well as on Amazon. There's no option to log in with an email, and when I attempt to log in with my phone number, I'm directed to update my phone number or log in. This goes on and on for as long as I feel like playing. Customer service is of no help, and left me sitting on hold for 20 minutes until my phone died. This, after I confirmed all of my information, including a previous address that's two years old and has literally nothing to do with this current issue.
I've sent tickets in and they've been closed -- marked as "resolved", when the situation has clearly not been resolved. One response was that their technicians or whoever had no idea what was going on and no timeline for when it would be resolved. But they marked my ticket "resolved". So far, there are no unauthorized payments coming out of my bank account, but I now cannot access my loan information to find out how much I have left to pay, when I'm expected to pay it, or even to pay early.
I initially strongly recommended this payment option, especially since Amazon stopped offering the option to pay over time, but now I will absolutely warn people against it.
I want to close my account, but first I need to find out where my loans are at and how I can pay them off. Can't do that if I can't log in.
This is infuriating and frustrating.
If I were trying to update my phone number, I would have called them as advised on the site. All I'm trying to do is log in with the same phone number I always use. I don't know who operates the IT side of this company, but they're not doing their jobs.
I feel my only option at this point is to change bank accounts, which is pretty crappy of Affirm.

I was advised there is a 30 day grace period to close an account. Balance is $0.00 last payment was made 1/22/2025 today is 2/18/2025. A waste of my time and extremely unprofessional, a phone call has to be made to close the account.

IT IS SOOOOO EASY TO ACQUIRE CREDIT WITH AFFIRM, BUT VERRRY DIFFICULT TO CLOSE AN AFFIRM ACCOUNT. I HAVE BEEN TRYING FOR 6 WEEKS TO CLOSE MY AFFIRM ACCOUNT. I HAVE FOLLOWED ALL THE INSTRUCTIONS, TALKED WITH 3 REPRESENTATIVES, AND ALL I AM TOLD IS THE ACCOUNT CANNOT BE CLOSED AT THIS TIME. I NEVER USED THE ACCOUNT, UNFORTUATELY OPENED BY MISTAKE.
I AFFIRM THAT ALL STAY AWAY FROM AFFIRM!

In my opinion, with my experience from the company, Affirm, they are a "Theft by Deception Company."
Warning: Affirm is a fraudlent company, and lures customers through these large companies, as if they are offering the consumer a better way to pay off your purchases in the long run. Negative: They will charge you for purchases you did not make, and never do you get the same customer service agent, but they same message. You have no help when any errors occur, on their part.

As soon as you start a loan the problems start. Loans not linked to payments. Appears they want you to lose track of what you're paying for. Contacting them is useless and almost impossible.

I have used Affirm for several years. About two months ago my account was hacked and someone used it to purchase something. I reported it and they placed my account on lockdown and tole me that i could not use the account until it was resolved, not even to make payments. I started receiving threatening messages about not paying on my account on my phone and email account. I have repearedly called their terrible customer service line only to be told in very hard broken Engllish that they cannot discuss my account with them and not to worry about payment. It is my account, my personal information, and I should certainly be able to talk to them and make payments. Now I am being threatened with my account to be placed with a credit agency, but they will not let me pay the bill. I am posting this everywhere I can and am obtaining a lawyer to sue them for threatening me. I also had to discuss this matter over and over again with ignorant, stupid people who speak very broken Englilsh who read from script and tell me that they cannot discuss my account with me. Also, I am told and I quote "no worries" about not paying my bill. I have called them at least ten times. I will definitely see that people know how
terrible customer service is and how corrupt the system is. I am sure that I will nev
Er hear from them in reference to this,. Oh, just found out that I have to give them a Star in order to put this message thru to them. They should not receive a star.

I recently used Affirm to purchase a new home office chair. I've been using Affirm for several years, and have never had any issues with the payment information I set up over 8 years ago. I recently contacted them to notify them of an issue with their system when repeated attempts to make payments continuously failed. I even talked to my bank, who confirmed there are no issues with my account and nothing blocking my payments on their end. Their conclusion: The merchant is experiencing issues. I was running into issues which were resulting in 5xx errors, (I did not manually enter any of the information myself, only confirmed information provided by their on-screen options.) and my payments were disappearing completely from their system within 24 hours. I ended up calling 4x, and not once did I receive any reassurance that information would be escalated to their tech teams to notify them of a potential problem. As they say, you can't help someone who refuses to accept something is wrong to begin with.

You would think if one is a constant paying user they'd be eligible for purchase power always….
Not case
Continue to deny even when you pay as you go and complete payments before agreed timeframe of loan!
Just horrible option people!
Use Afterpay
It's much more credible

I didn't use affirm or any of the other buy now pay later until special occasions, I went to the affirm app and my account on December 27th was closed for unknown reasons, as far as I can see it's as bogus as klarna that use companies you can't contact to return an item. But they want payments.

Do not use affirm for purchases. There was an $80 purchase made on my account that I did not make. They "investigated" and say they have proof it was sent to my address. I looked at every purchase on my Amazon account and there was no purchases in that amount. I just wonder how many other people they've done this to. Use after pay instead never had one issue with them.

Affirm pre-approved for 880 at Walmart after the Advertisement played at Walmart so I figured it's Christmas time. Why not?
I go to the register and it tells me declined after preapproval. Now let me add the fact I have excellent credit. I hit the button again It says.
Approved 6 hundyesterday.
I'm at register with a car full of c*** I'm at register with a car full of c*** I'm at register with a car full of c*** I don't need for my children.
Then it says declined out of confusion. I hit the button again. It says approve for 200 I hit accept. It charges my card $100 immediately. And then don't let me purchase nothing at Walmart.So I lost a $100.Have to wait 3 to 5b Days for my $100 back. And walk out of the store and decide not to buy anything.
Out of pure irritation. I would.
Like to point out that management at Walmart and the associates were great and very understanding trying to help me. But I can confirm that a firm is bull$#*!

I have been getting the running around so much with affirm about identity. It's so annoying because every time I get on the phone they say the same thing. I been updated my number on my credit bureau.