Affirm

I've been using Affirm for about a year but now I'm starting to second-guess this! Whenever I pay my account or my loan they over debit the account! And you catch hell getting your money back! Just thought everybody should know!

I forgot all about my comment until I signed on sitejabber today. Affirm, is actually a really good shopping financing aide. I had 3 since I wrote this comment, I paid all of them off early and had zero problems with Affirm. I did direct debit so I never missed my payment by forgetting the date. The interest was cheaper than most credit cards and some merchants do not charge any interest. Now you have 1 year to pay off the debt. I will be using them again. Now if there is any problems with being turned down. Email them immediately, AS long as your current with them, you should get approved.

Was in a car accident last month and was in the hospital ICU unable to make payments due until I came home. You would have thought I had borrowed millions of dollars from them by the way they were acting. Pushy. They threatened my credit rating for being a week late on a $10 payment? Sure. Five payments in all that were a few weeks late, total of $65. They were okay up until that time, then life happened and well they started acting like your local loan shark.

Next month I'll just pay it all off ($350) and that's that.

I've used affirm for almost 10 years, And they've never failed me. I've made extra payments to them and my Purchasing level has gone up. Send automatic payments and they will always approve you. So don't believe all the negative reviews. If you make good payments and one time they will approve you for more.

****Update. Was behind because of an injury. Called for a solution and they said, "oh we'll make a note of it…". What? Tried to talk to supervisor and while waiting was disconnected. Before I could get ANY SOLUTION account became 30 days past due. Then when I am finally able to talk to someone I find out a loan modification was available whole time. Update starts here. Got nowhere with affirm customer service but filed a BBB complaint. After that they responded to that saying they were updating report to delete the 30-day late notification.

Hello! I've been using Affirm for at least a year & been on Amazon for good years, Affirm was implemented after some time which I gave a try right away. The limit is apparently made with telling how much you make (?) or after good payments, I know in my case I have started with a limit of 1.6K then as of today I am at 7K. I always payed correctly which is what you do, my returns were refunded within 1 day, payments as well. I've never used Affirm on another website, though I think it should be understood that the return must be processed by the company & not Affirm. Companies makes & wants to make money, you will never have great help.

So I have used affirm and suggested it to many of my co workers and since I work for Walmart I suggest all the time so customers can enjoy purchases. I have personally used affirm about 15
To 18 times and have only ever been late on a payment for a day maybe and sometimes less than 12 hours because I don't do auto pay and simply forget since we are so busy now days. I normally have a spending limit upwards of $3600 but when I went in the other day I noticed it had been dropped to $180. Now I normally don't care because I am getting a bonus in March and it will pay off most of my debt anyway so it ll Probably change but it still really bothered me that I take care and use you so much only to have you take away my spending power. If this is how you truly do business and treat those customers that you don't have to chase then I will find other ways moving forward and it won't be thru affirm. Very disappointed affirm I also will lot be referring you to Amy more customers moving forward

I have used affirm to to get credit when I couldn't. I am grateful Recently I received a new credit card from Affirm. I saw where my limit was based on my checking account balance and it matched my balance exactly. I was shocked that they actually had access to my bank account. I spoke to a representative that advised me if I had a card on file, that gave them permission to check my account. I never agreed that this was ok. No other business operates this way. Spoke to my bank and they couldn't figure out how that information was obtained. Long story short. I removed all payment methods and closed the account. Be cautious!

I purchased a HP Laptop from Walmart thru Affirm. The laptop ran slowly but we had just gotten the 1st internet service in the area so I thought it may be that. After 3 mths the laptop was still running so slowly but our Internet service ran fine on our phones & TVs. Walmart agreed to give me a full refund of $352.03. I had made (3) payments of $34.32 or $102.96 total. I ck'd my Affirm Balance & it was STILL $342.82! Now I expected to pay a fairly high amount of interest after the entire 12 months was up but after only (3) months $93.75 of my $102.96 went to INTEREST & ONLY $9.21 went to my balance. So, if I go through w/ the refund I am out $102.96 AND a Laptop AND I still need to get another Laptop. I don't know what to do. Why isn't there an early payoff amount. I understand that Interest is how they make their money & can offer this service but $93.75 for (3) mths…that's $31.75 interest per mth which would make my payoff@ the end of 12 mths $352.03 Loan + $381.00 interest: $733.03 which is NOT what I was quoted & I NEVER would have agreed to.

Once again I have been locked out of my Affirm account. Once again stuck in a loop between the same screens telling me to enter my phone number to sign in, then they send a code to my phone which I type in. Then a message pops up saying "account already exists, please sign in", and the whole thing starts over. This is happening on all the devices I try and it's happening to a lot of other people besides me. Affirm has by far the worst, most frustrating "prove your identity" routine I have ever dealt with. The only thing worse is dealing with their clueless customer service people on the phone. So again I have no way of making a payment until I go through the maddening process of getting it working. The last time it happened it took three weeks to fix. Needless to say, I am so done with this trash company. I am sure it will be a colossal hassle cancelling my account but that is what I will attempt to do if I can actually get back into my account and pay them off. If not, then I won't pay them off which works for me since they already are ruining my credit by making my payments late.

I paid for something I never got and disputed it and contacted the carrier and the seller along with Affirm and I was forced to pay for it. I had other loans and was told it was going to lock me out of my account if I didn't pay that specific one so I defaulted on all of them and was just waiting till it went to collections to pay off the ones for things I actually received yet Affirm doesn't do Good Will or Pay to Delete so my credits ruined. I have no issue paying off everything I actually got but they forced me to pay on something I didn't and made it sound like a a replacement was offered some senior type person and the seller never followed through and ignored me. If they would offer a good will after payment or pay to delete I will pay everything off except the one item. This has ruined my credit and no matter what I do its on there for 7 years. I can't do anything with my credit even with secured credit cards. I've reached out to them over 100 times now about this and nothing.

The worst customer service I've ever experienced - I keep getting this message that there's some "suspicious activity" on my account whenever I try to use the service, and I can't even log into my account due to it being frozen, with no information on how to fix it.

I have called, as suggested, multiple times over many months and have only received the same response every time that the issue needs to be "escalated to verify my identity." Then I never hear back in any capacity whatsoever.

They don't offer any other means that I've been able to find for assistance either. They say to log into your account for better service, but I can't even do that. What am I expected to do here?

Fraudulent scammers. They refuse to give me a refund that the merchant verified as accurate over the phone and via email. They will give you the runaround, blame the merchant, and threaten to send you to collections. Remove any payment methods with them and report them to the Better Business Bureau ASAP! They cannot be trusted with any personal information. I seriously regret getting involved with this sham of a company.

FIRST OFF … this makes u give a star! I would give them negative -5 It's a bait and switch. I have the HIGHEST credit score that is possible! I mean legit the highest! They told us that we were approved for zero financing. This does not exist. They gave us a HUGE LINE OF CREDIT…. At 18% interest! I called them to ask them if we don't qualify for 0% who does? They could not answer this question. Why? Because NO ONE ABSOLUTELY NOBODY GETS ZERO PERCENT!
Not to mention that NOT ONE REPRESENTATIVE could speak English AT ALL!
We will be purchasing a mattress. However not Saativa since they use Affirm. It's too bad because I was really looking forward to sleeping on this mattress!

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.

Their Onfido verification (suddenly required after 7 years as a customer and over $25k timely paid off) never works and I do wonder where all the uploaded copies of my ID end up, especially after their data breach. Won't ever be using Affirm again... Mostly because I can't even if I wanted to because Onfido never, ever works. Buh bye! Lots of other (and better) options out there.

I ordered a Lady's Rolex Watch from Chrono24.com. The watch was going to cost approximately $6,300.00 Affirm was going to give me an 18-month loan on the watch. The watch was being shipped from the United Kingdom. I received a notice for US Customs that the watch was seized as being Counterfeit, with an estimate actual value of $109.00. Affirm is demanding that I continue to make loan payments. Do not take a loan from this company. If there is a problem, they will not help you. I do not know who much clearer of a situation there could be. I never received the watch, and it was determined to be counterfeit.

I had 3000 dollars of credit, I have been with them 3 years, they change financial companies my credit score dropped, due to illness, and they took all my credit away, never been late in three years and paid off a lot early, I'm mad

I won't ever take a loan out with affirm again all they do is harass you day after day even if you've made payment arrangements, which I have for 6/******* l. I understand my pay was due 5/13/24 but I am late this month and I told them I will make two payments in June several times through email. I have been making my other payments on time they have been messaging me for almost two weeks now saying the same thing it's a disgrace. You do not have to worry about me trying to receive any type of loan from Affirm. Their most current email says I will lose access to my account if I don't pay today, even after scheduling a payment to come out on June 7th, if they mess up my credit I will be reporting them to all three credit bureaus.

Sincerely,
Nadia Grey