I love it, makes my life/shopping a lil easier. Every store that I love is at my fingertips!

I am a currently serving my country in the US Navy!!! Affirm sucks ass!!!! I've had them for years. Had several accounts with them and never missed a payment or was never in bad standing. Someone tried to order a plane ticket from my affirm account. I caught it immediately while currently being deployed as an email was generated due to the unauthorized purchase. I have been dealing with this dispute for over 4 months now. No supervisor will call me and nothing is being done. They just keep telling me that it's being investigated. They said it would take up to 90 days, but we're passed that. Horrible. Just horrible. read more

Complete non-ethical company. Run away from them. They are for the merchant, will not protect the consumer in any form or fashion. Someone purchased a ring on my account that I immediately found out about and cancelled within 45-60 minutes. Affirm still ran the loan process through and sided with the merchant. I cancelled while the transaction was processing, with the merchant. The online merchant would not cancel the order, Affirm wanted their high interest. Your out of luck if you expect this company to assist with a merchant dispute. They bully you into paying no matter what. read more

company is garbage. I have paid them thousands and thousands and I had a dispute for a merchant that was not legit. I paid them off so they would not harass me for a late payment when I never received the item ordered and they refuse to refund my payment. I will not be using them ever again and I'd advise using a man alternate payment method if available for anyone else considering them. read more

Someone breeched my account with Affirm. I was promised an investigation and the return of my money within 5 to 10 business days. After 10 days, I was not given my refund and my account can not be accessed, although Affirm is still sending me notices to collect payments on previous accounts, I did authorize. After contacting Affirm again, I was told I need to wait an additional 10 to 20 days for my investigation and refund. It is now past that waiting period and I still do not have my money or my account restored. Affirm continues to contact me to collect money from previous purchases that I can not even see because my account is not restored. read more

If Affirm actually cared about customer service, this would be a great business. However, my interactions with them show they really couldn't possibly care less about customer service. As long as you only use Affirm sparingly, and you don't have anything returned or canceled, you should be fine. But their system that processes payments and loans isn't the quickest or smartest. Any minor problem with the system that could easily be solved with a customer service rep at any other company, is damn near impossible to have addressed with the Affirm customer service. The problem is that Affirm's customer service number is just some Indian outsourced 3rd party call center who don't actually have any authority or ability to make adjustments on your account. They are mainly there to answer questions that can be found on the website's FAQ page. Language on this company's website says they want to improve people's lives. That is just crap they say because it sounds nice. This company is just another Silicon Valley start up that made it big and the only thing they are really concerned with is profit; distancing themselves from customers as much as possible in the process. If you deal with Affirm, don't expect anyone to help you if their computer doesn't process something properly, which is very likely to happen if you have a purchase returned or canceled. read more

I am not happy with this company I purchased a laptop returned it back to Walmart a firm is still charging me for the laptop that I returned back to Walmart. I purchase a second laptop from Walmart now a firm is charging me for two laptops they're charging me for the one that I return back to Walmart and I did not get refunded for it. I located there address I'm going to write a letter and see if that will help my case. The reason I did not get a refund is because I purchased it through a burn and had not made a payment on it so when I returned the laptop back to Walmart there was no money due to affirm on the first laptop. read more

Returns and refunds is a long battle with them. I don't like that. Customer service can improve and things can be handled better

No stars do not get mixed up with them because if you ever have an issue you will not get your money back you have to reach out to them and you'll never talk to the same person ever I don't recommend affirm read more

This has to be the biggest scam I ever seen. I didn't even purchase a pizza oven from a company called phot4gift. I called then and they never heard of me. I didn't even real7ze the money was coming out until this month!!! They have been taking money fraudulently from my checking account since Jan. Every ti.e I call they say file an affidavit on line they send me the link and I'm told my purchase is more than 60 days old and can't be processed!!!!! What kind of company takes money fraudulently from a disabled senior citizen and refuses to help!!!!!!! THIS COMPANY NEEDS TO BE INVESTIGATED BY THE FEDERAL GOVT. ALL I WANT IS MY MONEY BACK!!!!! IT WAS TAKEN ILLEGALLY!!!!!!! read more

they still your money nobody use them they will charge you interest from the beginning to the end even though if you pay them they st will charge you the interest read more

This another scam by dishonest criminals who have joined the ranks of Bezo and Amazon. They have started via so called 0% interest product payment loans. Note this may affect your credit score and due to the misleading business practices problems will follow and end up costing you fees. read more

As the holiday rush is upon us yet again, I think it appropriate, indeed, NECESS this review of Affirm. I can only spit nails about Affirm - somehow they gained access to my information because I NEVER wanted them in the first place. They have this virtual savings program, which earlier this year, was a good idea - you could apply whatever you banked towards a purchase. Idiot that I was I authorized these lowlifes to debit my checking account on the first of each month - but when I went to check out a few times with what I had SAVED, these morons DENIED me - long story short, I called my bank and issued a STOP PAYMENT against them and they STILL have $50 they debited on August 1- the kicker - when I finally got through to some cretin, he told my account was CLOSED and, so I am out 50 bucks - for now. I could go on and on and on - but I won't except to say they are a fleabag outfit, their staff is among the dumbest and surliest I have ever encountered. They are just THE WORST - I did file a report with the BBB - and they took up my complaint and Affirm replied - telling half-truths and exaggerations. Terrible people and I will trash them all over the web, if necessary - so run like the wind - their tactics and the way their conduct themselves will only cause you heartburn and MAYBE a few dollars - PS - if any beauty from Affirm reads this - I WANT MY 50 BUCKS - PERIOD. Don't send me that farce you call your website! read more

Blatant bait and switch. Previously applied for a payment plan and was offered a sky high interest rate. Today when I go in the app it shows previously offered rate scratched out and a lower interest rate but states you must choose "pay with Affirm at checkout" - retailer has no relationship or option to checkout or pay with Affirm. Chatted with Affirm and they suggested I try using the virtual card which only offers the higher interest rate that's lined out (3x the special promo amount). Talking to them, they talk in circles - they'll start with how APRs can vary by person and application like your credit stupid when the reality is you ONLY see this displayed like this when you're signed in. And it's also a "weird coincidence" (if you want to go with what they're saying) that the interest rated lined out is EXACTLY what I was previously offered. So basically the chat and calls both ended in well just try using the virtual card and see what happens - which if you do this, you're (respectfully) a moron because it's telling you before you do in the loan terms what the rate is going to be and when you checkout and pay with Affirm you are executing that loan agreement and it's likely not going to be modified to match what's otherwise being advertised. read more

There needs to be an option for negatives Stars. Fraudulent company, They steal information from you and Sell it without consent. They charge your account fees even if you don't Have a balance or any purchases on it?. They have charged my account fees even though I have proof that I haven't made any purchases. Customer service refuses to look into the matter and they just give me the run around by transferring me from one agent to another before being disconnected. The last agent just laughed at me And said good luck fixing your account.. read more

horrible payment/ customer service experience!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! do not do bussiness or give your bankcard access to this credit payment agency!!! i wish we never did!!!!! the customer service agents for this co. are also hard to understand and some very snarky and impersonable to say the least!!!!! horrible the most horrible customer service experience we have had up to date!!!!!!!!!!!!!!!!!!!!!!!!!!!!! customer service / co. from hell!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! read more

If I could give zero stars I would. Your supervisors are like robots, they repeat the same answer over and over. I changed my phone number and I can't access my account. I have had to call 3 months in a row to make a payment. Each time your supervisors do the same thing and I still can't access my account. They refuse to transfer me to anyone else. Your system is broken. It shouldn't be this hard to make a payment !!!!!!!! read more

Run do not walk! Affirm are robbers, i purchased a faulty product from a company and yes they state all sales are final, but the laws in Ca supersede that if the product is falsely advertised and faulty, which it was. I even received an email from the company stating they will accept the return. I returned the product and the company is now not reporting the return! And affirm says until they report it they can do nothing. Mind you it was a motorcycle! I have videos and all of the return. My attorneys are now involved. But do not use this company. They have best interest of their customers and will let any shady company use them read more

I do not know who runs Affirm; but the people working there are either a bunch of college kids who like to play games or complete imbeciles. I cannot log into my Affirm account because I changed my phone number and the people at Affirm refuse to update my account. I received a call from someone @ Affirm a couple of days ago. So they know that it is my phone number. I have been having this problem for a few months. I have told them that I will not make payments over the phone and that I need to log into my account or they will not receive any more payments from me. They don't care; neither do I. read more

I've been a customer for several years I've had up to 6500 to have to pay back never made a late payment I go to take a vacation that I haven't been on since I was 18 years old and I'm 51 now due to medical reasons I cannot make the trip so I go to cancel. I had a very hard time to cancel. I finally got my money credited to the account except for $89 after 4 1/2 weeks of booking the trip I go to cancel due to medical reasons and they're charging me $80 in interest for $89 and 4 1/2 weeks that's horrible and the only thing they could tell me is have a good day being a great customer so beware of what you do when you deal with this company I'm very unhappy with what they did not even a credit card charges you the interest charge me on $89! read more

This so-called company handles RETURNS for a company called "32 Degrees" I purchased and RETURNED a pair of pants from 32 Degrees and Affirm-ly processed the RETURN...instead of RETURNING my money, Afirm-ly told me I was EXCHANGING the item and there would be no REFUND! The freakin' audacity of this company is sickening!!! I disputed the charge with my CC company and no reply from these crooks! If you see that Afirm-ly handles the returns for a company you are interested in, RUN, don't walk away! read more

What I Dont like about this company I just paid off an 1700.00 dollar Gucci purchase which is my second paid off Gucci purchase then I go to order which say you prequalified for 1760.00 then you checkout they on some different shit never missed an payment not once I have Afterpay 3000.00 dollar limited because my payment history is phenomenal with them affirm not stopping anything because Afterpay do Saks Nordstrom etc..... so I still got my product I order read more

Bad business. Missed one payment on accident. Account was frozen for fraud and I completely forgot to switch the bank. I have several loans with them and a $4000 line of credit. I NEVER MISSED NOT 1 PAYMENT and the one time it happened, they removed my entire line of credit. That's it, I'll pay the rest of my loans and I will never use them again. Now that is see others have complained about their customer service, I can definitely relate. This is just bad business. read more

Affirm system is unreliable and high APR. I have been with Affirm for 6 years, have had multiple loans and always paid off before terms and within couple weeks, Affirm could reduce my loan amount from 6k, 7k down to $300. This company is such a joke, might as well stick with traditional credit cards read more

After never receiving services and being harassed, I disputed my loan with Affirm. The company did not review all of my evidence and sided with the merchant, acting as if I was just simply unhappy with the services I received (that's literally what they wrote when I reach out to the BBB -- truth is I didn't receive services and the merchant was a scam dog training company). When I clearly showed how the merchant was in violation of a California (state where business was conducted) and two Federal consumer protection laws, Affirm gave me the run around and never addressed these law violations. When I called for a status update, their representative was rude and would talk over me. She would not even let me ask a question. This company was nice to me until their merchant scam became evident and I asked for my money back. I work in ecommerce and this was alarming to me that there are so many scam businesses that use Affirm and Affirm allows them to get away with it. Read the BBB reviews. I wish I had before signing up. I also wish I read the merchant's reviews closer as her website shows only reviews from people who are her employees. Hope this saves someone a lot of stress and anxiety. read more

10/11/2022 I cancel the ticket and I ask them to cancel the loan where I made it by them, but for personal issues I cancel it. I spoke with them too many times and they still holding the loan against me, I try to speak with the supervisor, but they didn't let me to speak with him/her. I told them that I spoke with the France airline, and they did cancel the ticket. they want me to pay for something I don't have it and been canceled. I don't know why they want me to pay for something I don't have it, it doesn't make sense at all. The loan against me was not fear special I have a protection insurance give me the right to cancel and not pay for it. read more

Affirm - approve of cancelation for my ticket - Business Financing Near Me - San Francisco, California

The positive for my experience was that after each payment, my spending limit increased. The negative is the HIGH INTEREST for any purchase plan over 4 months. read more

If I could give this an abysmal negative score, rife with colorful and creative (and most foul) language I would, but I don't want this review getting pulled for the use of curse words. But if I knew it wouldn't get pulled, man oh man, this review would practically have colorful flashing lights on it! I purchased something in Amazon on Jan 31, opting to use Affirm to finance it, and on Feb 1 I cancelled it. I received all the usual emails from Amazon that my order was cancelled, so I figured everything was good to go. Affirm decided to charge me anyway, and although I've been in dispute over this for almost THREE MONTHS, I'm still paying on a loan for a product that I've never received and never will, and they STILL give me excuses. Each time I call, I'm given a "new" piece of information. They even asked for the shipping company name and tracking number, BUT NOTHING WAS SHIPPED. They know what they're doing, requesting information that they know the customer cannot provide, then using that as an excuse for not being able to issue a refund. This last guy said that they paid Amazon for the item, so now I have to pay them. Thing is, the cancellation was made the very next day, and a shipping label wasn't even created. Nothing. I've been sending Affirm every bit of information I have, and they STILL won't budge. Oh yes, the Amazon Order Number that they have on file for this item is the WRONG ORDER NUMBER, so this is making it even more difficult. Yet another tactic they're using to muddle things for the customer, making the dispute even harder to prove. I've been going back and forth between Amazon and Affirm for months, and am looking at yet another payment in two days. The total, including finance charges, are more than $600 FOR A PRODUCT THAT I'LL NEVER SEE. I'm currently on hold with Amazon who is contacting Affirm right now. This is the second time I'm doing this, having Amazon contact Affirm. Oh get this, they requested the name of the shipping company and the tracking number. NOTHING WAS SHIPPED!!! AFFIRM, IF I DON'T GET MY MONEY, YOU'RE GETTING SUED FOR AS MUCH AS POSSIBLE! Amazon, PLEASE drop Affirm and use another finance company. This is ridiculous. Your customers don't deserve the stress and unfair costs, and you don't deserve this blemish on your reputation. read more

Dishonest. They will not provide refunds. They blame the merchant even when the merchant has confirmed an eligible refund. I highly recommend filing a complaint with the better business bureau regarding Affirm's fraudulent business dealings. The more complaints from consumers the better. Don't let them get away with scamming us! read more

I've never had a problem purchasing products. Using affirm I know they are loaning company and they use several different stores websites etc for purchasing products that is appreciated it gives me the opportunity to shop quality, I even recommend them for my aunt for purchasing an airline ticket read more

I ordered a big ticket item and paid for expedited shipping. Almost $1,000 was taken out of my bank account, but my order was not placed! So now I am having to wait 7-10 BUSINESS days for my money back! My money was taken out of my bank account instantly, with no product to show for it. Yep! That's right FRAUD! USE AFFIRM AT YOUR OWN RISK!!! The "supervisor" had no customer service skills and gave me the cliche responses and was very inconsiderate!!! read more

Now They can't find my account. Find my payments, keep track of my payments. Log me in on the phone or find an agent. Who knows how to connect me to my account? I can't log in. They said they'll fix it that was 3 months ago I don't know what's going on, but they're system is messed up, and their agents can't seem to figure it out. read more

They withdrew 5 times my auto bill pay causing NSF fees in my checking account and an inability to pay for essential items. They do not care. This happened almost a week ago. read more

terrible company. I had to fight for 4 months to get my refund money back after returning the item. this company is a scam do not wast ur time read more

I had my account locked for a week now, and it has ruined my account. I have an affirm card that tells me I have pre planned funds but then shows it locked because they "can't verify my identity". I've called customer care over 5 times and all of them have been unhelpful and unknowledgeable about everything. the advice I get is "wait" and "restart your app. Im desperate to find help and I cant call or email because no one helps me or responds. at this point I'll eventually just find corporates information. I just want to be able to use my affirm card, make pre planned purchases and have my account back to normal. read more

Bought a brand new Galaxy S23 in mid March 2024. I was approved through AMAZON'S financier who is AFFIRM. I sent the cell phone back because after thinking about it, the cost was out of my budget range.. UPS came to pick it on March 29, 2024. Although tracking states that they received the phone, it has been hung up in processing my refund until who knows when. I DO know that AFFIRM keeps emailing me to say that my first payment is due on April 25th. HOWEVER, the tracking ALSO says that this return will be processeed on April 27th, which is TWO days after my payment is do which I'm not paying.. NOT sure WHY its taking SO long...and it makes me wonder if there is something they are doing to ruin a customers credit score... PEOPLE, if youre experiencing this with this company, SPEAK UP read more

You claim you don't store customers financial information, but we've only done one time payments with your agency Affirm and you took an unauthorized payment from a card we were no longer planning to use, causing fraudulent activity to our financial agency. We're taking this matter to BBB and seeking whether we should sue your agency for your unauthorized actions causing us to never use your agency nor any of your associates. You say we owe you $0.02 two cents, we'll send you a money order for that amount. You will not receive any of our financial information ever again! read more

Affirm - Business Financing Near Me - San Francisco, California

this post is so horrible doesn't even get a star rating I wish negative stars were a thing. Over the last 2 weeks I've spoken to 3 agents and 2 supervisors regarding a dispute with vrbo. i Asked an agent if it's possible to get pictures sent in as evidence emailed back due to a glitch. I was told it was no problem it happens all the time . And after spending 45 minutes with a manager I was told oh it's against policy and security to send back photos ( basically agent lied ) and the supervisor said she'll look into it and get back to me via email or phone call 3-5 days. 7/24/24 update spoke with another manager who informed me that the supervisor I spoke to basicallt promised me results she shouldn't have and that supervisors aren't allowed to look into things and basically she was allowed to give false hope and basically affirm will do nothing about agents and supervisors Who lie on recorded phone lines basically be beyond cautious with affirm they will give you false hope Lie to you and lead you on but all they offer is an annoying surplus of we're sorry read more

3.21.23 Affirm socks. If you return an item financed by Affirm you'll lose. I lost $400 paying them $200 pop on veneers then paid $200 to Affirm and neceived a $%7ckung item. They'll screw you big time. Stay away from pop on veneers and Affirm. They f up you credit score. Stay clear of Affirm. Sharks. 0 stars. Bastards. ​ read more

Worst customer service on earth. This organization is not transparent and dishonest. They are inconsistent and incompetent. Staff members working for them or not trained properly and management is a joke. They read from scripts and cannot help. Terrible, incompetent , disrespectful. Sebastian the supervisor refused to transfer me or help me outside of reading from a script. Sebastian, the supervisor, let me know there were no options available on his end except to repeat the same script over and over. Do not use AFFRIM! read more