AffirmReviews 480

I made a purchase with affirm on a website. Almost immediately the vendor emailed me that the order was canceled because the items were unavailable. It's been a month now and affirm will not cancel the loan or stop charging me. I've called and called, open multiple claims (they just close them or don't respond). When I call they say they are looking into it and they will get back to me. Meanwhile the loan is $350 tied up that I have to pay plus interest when the order was canceled. Affirm told me to call the merchant to fix it. The merchant sent me everything showing it was canceled and refunded the day of the order placement. I sent that to affirm and they still won't refund me and still keep telling me to call the merchant. They just don't want to deal with it. I filed a complaint with BBB and they haven't responded. I just want the unused loan refunded and canceled like the order was. It should not be this difficult.

I booked 2 hotels for the same weekend through Travelocity, but canceled one immediately after. I then called Affirm to make sure they knew it was canceled. I was still charged and told to pay regardless. This was April. Every few weeks, I called to check the status of the cancelation because I was still being billed. They told me until Travelocity refunds them, there was nothing they could do. Then a manager gets on the phone and stays on over an hour while we were on 3way with Travelocity. I was asked to show proof of the refund. Travelocity then told me they would get back with me because they could not find the refund to Affirm.
I went ahead and paid it because I was threatened for it to be reported to my credit bureau. I was told once I sent the proof of the refund, I would get my money back. Travelocity didn't get back with me so I followed up again in September. They then emailed me what Affirm needed. Proof of the refund and the last 4 digits of the card it went on. I SENT WHAT THEY ASKED FOR. Now Im going into October and theyre still saying there is no receipt of refund and not even A NOTE ON MY ACCOUNT ABOUT IT. Affirm is STILL saying they fight get a refund and to contact Travelocity. Ive called them over and over again and I keep being told Affirm got their money back... but now Affirm won't give me my money back. I just got off the phone with a supervisor and she basically told me Im out of luck because they have no record of Travelocity refunding them. I paid them $300... and I guess I gotta just chuck it up as a loss... DO NOT USE AFFIRM. They are TERRIBLE.

I tried to make a purchase with an affirm virtual card. The card declined, but affirm said it hadn't and continued to process it through as if it had worked. I tried calling and they told me to call the retailer. I called the retailer who rightfully said the card declined they can't do anything. I filed a dispute with affirm to have them ask for information like invoice and merchandise return which doesn't exist in a decline. I am still fighting this. They are a nightmare. Do yourself a favor and use a different payment site/app.

I actually purchased airline tickets thru affirm back in 2020 and because of covid 19 I was not able to go. So I was on the phone 2 months straight every day getting a refund from the airline. They finally gave me my refund but it had to be sent to my affirm account. I had already paid off my Affirm amount for that flight. They split my refund in 3 deposit payments to my checking account and sent the final payment by check on August 12th 2021. I am still waiting for my check it is October 20th 2021. They lost my check in the mail in august because they are too cheap to send it but with a regular stamp. The supervisors are no help I've talked to 6 different ones nobody knows anything and they repeat the same thing over and over nobody is held accountable at affirm nor do they care. They cant even make things right by sending my check my money that they didn't help me get back by sending the check thru a simple tracking number. Save your self the headache of using this joke of a company who is cheap and does nothing to help a valuable customer. They have absolutely ruined my experience with them I'm disgusted every time I call about my check and why I haven't received it yet 3 months later.

Terrible service. 6 months in and the unauthorized accounts they allowed someone to open under me using my ssn but with a very misspelled name different email different address and different phone number is seriously some terrible security on their end. And they still haven't resolved my issue. Keep telling me to wait every month that I call. Definitely not a company I ever want to deal with again. Quick to add debt to your credit report that doesn't belong to you but not as eager to remove the debt

I would not recommend opening an account with affirm. I just want a receipt and there is litterally no way to chat, email, or call them. They have a physical address listed on the site but prefer that you use the 'online form' THAT DOESN'T EXIST. It's a joke. Save yourself the headache and avoid dealing with them.

Here's the deal, I purchased around 7-8 thousand from affirm to put upgrades on my work truck. I was just in an accident and the insurance wants to total loss it, they told me if I could get invoices threw my lender that showed the item and the amount then I can prove its worth enough to repair and they won't total loss it. I asked affirm for over a week for this and they finally emailed me invoices. Problem is this does not show the item that was purchased. Just the amount that I paid and they said they can't send me anything that shows the item. Tell me any bank or lender that can't tell you what they are loaning you money for? I'm screwed, my family is screwed now. Can't show me what I bought but you approve the loan and have it shipped to my door? What a joke. Don't get screwed like me. Barrow money from a Leander that knows what they are doing. You really screwed me And my family affirm. Thanks for every thing you have destroyed in my family's life.

I had fraudulent activity done on my account and contacted affirm several times over a month, talked to 20 different reps/supervisors to get this removed and resolved and they still sided with the merchant stating that I had to pay affirm for a loan I never authorized payment for. Once I received the resolution I contacted affirm again stating I never made a reservation with this merchant and the activity was fraudulent they told me I shouldn't have disputed the charge but I should have contacted their securities team. THERE IS NO NUMBER FOR THE SECURITIES TEAM ANYWHERE ON THE SITE. So I didn't know there was another Avenue to take but neither did the 20 different representatives. Needless to say they are still actively looking into my case but won't close the loan even though there has been fraudulent activity reported…that compromises me, my information and well being! I will be reporting this!

I'm very disappointed in this company! I returned an item, but I still have to make payments. They won't even put it in dispute mode to temporarily stop the payments. It's been over a month and they won't even start the dispute process! Stay as far away as possible from this company! The customer service is AWFUL.

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.

I was due a refund from Peloton which it was sent thru Affirm but I never received my refund even after Affirm confirm that Peloton gave them the money. They stole my money.

By checking your Fico score you will continually to plummet. It is impossible to get a hold of customer service for any help. You have to have a 620 if I go to score chill along on this account but every time they look at your Phico score to add to your available balance ruins your Phico score. I contacted a higher and contacted Trans Union and Experian. I think they should be punished and have their account taken down they are awful you sign up with this account

I bought a lawnmower through Affirm. The wrong charger was in the box which had me suspicious to begin with. It was supposed to be new and unopened. The merchant said they would send out the right charger. They never did. I called Affirm and they wanted me to give them my credit card numbers and the 3 digit on the back of the card. They should already have that on file for billing. I smell SCAM and told them so. Then said they would send me a $100 walmart gift card if I verified my credit card. Plus wanted to charge me $4.95 for the help which they then turned around and said if I didn't have the money not to worry. I hung up on them. Now I don't know what to do. All I can do now is call my bank and get a different card. Don't walk, RUN from this company.

They will charge you high interest rate and will not accept credit card payments. They will not disclose that they only accept Debit cards on the initial application. There is a tiny fine print that no one can see.
Also forget trying to reach them on the phone or the website. It took me 10 days with each holding time exceeding 4 hours till I hang up. Find another way to finance.

Do NOT submit an application. This company is a scam. They take payment before you make a purchase but aren't explicit with their language. You are making a payment, not putting your card on file like you would Katapult, Klarna, or Afterpay. Their customer service is a call center overseas and they're USELESS. The fact that I had to get their customer service number off another site and it wasn't on theirs should tell you that they don't want customers contacting them, and it's bad practice. If you have to tell a customer that it was in the terms of service, you're dishonest. I should not have to sort through that when I haven't even committed to a loan.

Someone opened up a 5k loan in my name and ordered new balance and athletic merchandise. I called the company right away to report. Supposedly they closed account and sent me email saying I'm not responsible. Yet week later I received email that order was shipped and loan payment. I don't trust the *******729 number. I don't trust there emails. They are all working together as scammers stealing people's information from virtual card? This company needs to be stopped right away! Some $#*!s just got athletic merchandise and going to sell online now as stolen merchandise! I hope everyone in the name of God that steals and lies like this has a day to pay in KARMA time!

I really think they need to do away with a firm. This company is always declining me talking about my Fico score, yet they say they do not check your credit! That is the purpose of these payment installment like afterpay, klarna etc. This company falls in the same line with them! Please do away with this company!

Affirm is actually Celtic bank, according to the FDIC. You will find out the hard way, if you make a return or if you get ripped off, Affirm will not have your back and you will end up paying on a product you didn't receive or that you returned. Even if you do get a refund, it will be minus the interest and fees, which are significant. We purchased an airline ticket from Justfly (never use that company either), and cancelled it. Justfly charged me $75 to cancel the flight, so one would assume it was cancelled. NOT. They took the cancellation money, then they went ahead and processed the Affirm "loan" several days later. We have proof it was cancelled prior to the loan being finalized, we have proof they took a cancellation fee. Affirm literally processed a loan for a cancelled reservation, which is probably illegal, and refuses to reverse it. Of course, these criminals own the politicians that keep them out of jail, where they clearly belong. I have uploaded their response to the proof I sent them. Also, keep in mind that arbitration agreements do not prevent you from suing them in small claims court, where I will also get my court costs reimbursed.

I wish there were negative stars that could be used to describe such a company. Stay away from this company. They are underhanded and not to be trusted. Once they have you, there is no way to close an account with them. Even after you return the purchase and the company that you purchase the product from confirm that they have close the account, affirm refuses to acknowledge the closure and will try to hold you delinquent unless you make the payments for a product you no longer own.