AffirmReviews 480

We've used affirm several times over the past four or five years. Sometimes we're approved for $1,200 sometimes we're approved for $800 and sometimes we're only approved for $200. They pick and choose what they approve you for and for how much. We've also noticed that big items such as appliances no longer accept affirm. They don't even report good payments or early payoff to the credit bureaus. My credit score is over 600 and I can't get approved for my own a firm account because my husband has one. I guess you can only have one a firm account per household. Our hot water heater just went out and now we can't get approved for a new one.

Waiting on my refund to be processed first off but to no avail yet! Called 6-7 times and got different amounts of what my refund is and different ways it will be refunded to me as well! PLEASE PLEASE beware of Affirm being a rip off and stay away from this Company! If you go through them and have any issues consider it will never get fixed like mine!

This company apparently does not want to get paid. For the past several months, I have had to call to make a payment because their app does not work. But everytime I call, I get someone saying that my email and phone number are not in the system. They even continue to talk about if I had a different number. It's the same and only number I have had for very many years...I get reminders from the company for my payment in this email and phone number, but they still say it's not in the system. They then say they cannot take a payment for security. (Can you tell me why someone would want to pay money on someone else's bill?).
Who thought trying to actually make payments would be so hard...stay away from using this company unless you enjoy people saying you don't know your own information.

I have a line of credit of over $8,000.00 They keep raising that but never lowering my interest rate. Payment always on time and i always paid off way early. Do better!

You're unable to submit reviews because you opted-out of sharing personal information, done either in browser settings or on Walmart's privacy Tricycle return Refund trike refund

Refund issued on Jun 19
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Lilypelle Adult Electric Tricycles 3 Wheel Electric Bike，15.5 mph Electric Trikes for Seniors，7-Speed & 4 Adjustable Riding Modes Electric Tricycle with Removable Lithium Battery

Qty 1
$999.00
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Refund issued on Jun Add-on services $58.00
Add-on services
$58.00

Tax
$86.16

Total
$1143.16

Order# **************
RETURNED BY Order# **************

Return by drop-off at FedEx
Return details
Due by Jun 24,2023

Lilypelle Adult Electric Tricycles 3 Wheel Electric Bike，15.5 mph Electric Trikes for Seniors，7-Speed & 4 Adjustable Riding Modes Electric Tricycle with Removable Lithium Battery

Qty 1
$999.00
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Write a review
Contact seller to ask about your order
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Refund issued on Jun Order# **************

I've used Affirm in many transactions over 2 years and with simple singular purchases, it works great. Having multiple loans is easy if you do not: pay off ahead of time, or make change of payment date as it is a headache (100% failure). The Chatbot is comically disastrous, the automated verification often fails, speaking to a person is often a perpetrated hoax!
I'm done and finished with them!
I've had better service from pizza delivery people.
* cant log in to show proof of purchase!...so vintage AFRM

I received a loan with affrim from walmart for a laptop that does not work it's been almost 2 months still charging me they claim I received my refund dec 15th I told them I will show you my bank statement TO PROVE NO REFUND WAS GIVEN AND THEHY REFUSE TO EXCEPT MY EVIDENCE NEVER NEVER JUSE THIS SCAMMING COMPANY

I somehow paid through the Target app with Affirm. I didn't realize it until it was done. When I returned items to the store Affirm never credited my account. An hour on the phone with them and a lady who barely speaks English can only say "sorry, she sees no return." I'm out the money and the item. Do not use this company if you can help I

I got scammed by TopResume and this company did nothing to protect me. Will never use them again. $250+ down the drain. I just finished paying off this forced loan today (with no delivered usable product from TopResume) and am just as furious as when this all happened months ago. Total theft.

I've had the same experience as others here. I bought a $900 item from a company through Affirm and never received the item. I opened a dispute and Affirm ruled in favor of the company (Arbor Homes / superarbor.com) without any explanation why. It didn't matter that I also I showed that this company had many more reviews and BBB claims with the same story as mine: item not received.
I followed up on the dispute with Affirm but never received any more answers. I had to pay the reminder of my loan and still didn't receive my item.

So I guess Affirm is a fine option if all goes well but do not expect to have any protection if something goes wrong. Just use your credit card instead.

I have used Affirm 3 different times with no issues. Now they got me to get one of their credit cards. WORTHLESS. I have tried on 4 occasions to place an order with a company, they say I have$4300 for purchasing. But everytime I try to place an order it gets declined or denied. And the order is for $240. I called Affirm and was told the company is not filling the order, when I call the company that I placed order from they tell me that Affirm has denied payment for order

I received a loan through Affirm, my due date was 1/13/24. I called before my due date and informed them I will be making my payment on 1/18/24. I was told there would be no late charges, and I also scheduled my new payment date on my account; so why is Affirm constantly emailing me telling me my payment is past due if I changed it on my account and called them and confirmed it? I have other bills where I changed my due date and I just get a confirmation telling me thank you for scheduling a payment, I think it's a disgrace as hard as it is today to pay bills and they feel the need to harass people, I will never take a loan out with them again.

Affirm wants to be paid although you never received the order. No help from Affirm. Do not use them!

I had an account with PayBright, which Affirm acquired. That's how I ended up with an Affirm account. I only dealt with PayBright once and never again. Fast forward two years, and I received an email about an Amazon product loan through Affirm. Initially, I thought it was a phishing email until I noticed unauthorized Affirm activity on my credit history.

I contacted Affirm, informing them that this loan wasn't mine, and someone had taken it illegally, as I didn't have an account with Affirm. That's when I discovered Affirm had acquired PayBright. I applied for an appeal and promptly received an email from Affirm stating it was my loan but that they might have missed something, asking for proof that it wasn't mine.

I complied with all the requirements. I signed what they referred to as an affidavit, filed a police report, demonstrated that the address on file wasn't mine, and provided copies of my driver's license to prove my identity. After all this, they reviewed my account and acknowledged that it wasn't my loan; someone had accessed my account without permission, and they locked it.

To unlock my account, I was given a number to call for identity verification. I wanted to close the account, as I had no use for Affirm and lost trust after the unauthorized access. Unfortunately, I faced a runaround. The people at the number provided couldn't unlock my account, and I was told another department would contact me by email in a couple of days.

Jump to four months later, at the time of this review, and I still haven't heard from Affirm's mysterious department. I'm still receiving emails about the delinquent loan that isn't mine, along with threats to report it to the credit bureau. (I've already filed a complaint with them about the unauthorized activity on my credit report.)

My questions about how someone accessed my account without input from me and what personal information they had access to remain unanswered. I don't even know how to properly protect myself.

I would hesitate to deal with Affirm as you could end up with an experience like mine.

Be careful this company will ruin your credit despite making payments on time and account being closed and paid off! Do not use them pay with cash they are the worst

Very bad business...only approves you for a very very few merchants...as long as it gets its fees upfront...

I received a coat that obviously ran small. They accepted the return for something bigger which sent something totally different from what the picture shows. They don't have returns at all. The coat received for a girl. Sent pictures to show them but now it's no longer responding. The coat was for my son. This is some B…S…. Don't shop with them because they're scammers and don't care about taking your money. I had to spend an additional $100 out the store for a nice Tommy coat. Tripping it's too cold in GA right now

They let Ene trends steal my money.

Have used affirm many times in the past. It's great… as long as you don't have issues with the merchant you purchase from. Their customer service is terrible.

For my most recent purchase, I purchased a silver bracelet that arrived without a clasp. Should be an easy fix, right? Wrong. I start by contacting the merchant. Multiple attempts were ignored. I file a dispute through affirm. I upload ALL the information they ask for, including photos of the defective product and my attempts to contact the merchant.

15 days go by without a response from affirm. They then tell me it's too late to upload any proof of the issues with the merchant, due to their return policy, despite me uploading all of that on day one. Not that it matters, as the merchant wasn't responding to me anyways. After pushing this issue, they just start spamming the same message over and over again, basically just shrugging off all the proof I sent the fact that they were the ones who failed to respond in a timely manner. My requests to escalate the issue were completely ignored by the representative.

Never again will I use this service - IT IS NOT SAFE TO USE. If you file a dispute for a legitimate purpose, and their incompetent customer service representatives do not side with you, you are out of luck!

I am a currently serving my country in the US Navy! Affirm sucks $#*!! 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.

I called their helpline and it automatically forwarded my call to a scam line. They asked for my debut card info and since I thought I was talking to affirm I gave it to then. But they kept saying things that didn't make sense to them being affirm so I asked who I was talking to and they said "**** credit line" I couldn't understand his strong accent. But it turned out to be a scam. Then when I called back they forwarded it again. I called one more time and was finally greeted with "thank you for calling affirm" and I began to tell them my original issue but I wanted to notify them that I was forwarded to a scam and when I told them the guy hung up on me. This company scams people!