Affirm: Buy Now, Pay Over Time Customer Service

Affirm: Buy now, pay over time Positive Reviews

Zero ComplaintsFrom their savings account that gives you a way better return than any bank would on a savings account to making it easy to spread payments out on items this app and company has been great to me for years now. You have a variety of options to pay for items over a shorter time with no interest or longer with some interest it allows you to have the flexibility to make that choice yourself. I just recently had an issue with Home Depot only sending half an order and canceling the other half, after calling I was instantly credited back on the loan for what was never shipped and although it wasn’t Affirm’s fault and I’ve never had this happen before they kept apologizing for Home Depot’s mistake. I had called Home Depot prior to try and resolve and would have liked to have gotten all the products but instead was treated rudely then left on hold for 30-40 mins before I hung up with never being helped. Affirm is a great option to make purchases over time with either 0 interest or minimal and right now dealing with medical issues they have been a perfect solution for getting items needed for my recent move. I’ve not missed a payment and my purchase power(credit line) keeps going up. The one or 2 times I’ve asked to delay a payment withdrawal for a day or 2 as long as I give them a heads up more than a day or 2 they have always worked with me. They truly are a great company to work with and I can’t say enough good things about them! Try them out and I promise you won’t regret it!!! I rarely leave reviews but after today yet again being given great customer support on top of them offering a reliable and useful service I felt I had to..Caranda37Version: 3.283.0

Identity Fraud Non-VerificationWhether you’ve been a customer for years and paid your past purchases on time and all Paid off, this company will not verify your person if you have identity fraud on your credit. I’ve had to have identity fraud on all three credit reports as of recently, and not thinking on it went ahead to purchase an item of which I’ve purchased through affirm and paid off. (I’ve been an Affirm customer since around 2014). Once I was in the affirm app site, I received a message that I would need to be called and verified due to the identity fraud. I waited for a couple days with no call from Affirm. Though it stated it would call me 1-3 business days on the site. I decided to call thereafter and for three weeks straight spoke to different reps. Each rep would tell me they would call me back once I hung up the call. I never once received a return call. This company was great while I was able to benefit from it, but if you ever have identity fraud at your end, you will not receive the courtesy they state on their site to call you and verify your person over the phone. It’s been a waste of my time trying to connect and they ask me questions to then tell me there going to call and they do not call. I’ve deleted the app because it’s a no-go at my end with this company at this stage. Terrible service..Pebbles@11Version: 3.244.0

Was skeptical at first…And I was right to be skeptical. DONT USE THIS APP‼️‼️‼️I had never used affirm or Afterpay or anything like this before, but I needed some clothes and I used affirm for Shein through SHEIN. I figured since i’m using it to pay off SHEIN, which was not a big order; I would just download affirm and see what it was about. I needed to get my eyes checked, and I went to Sam’s Club and went to Sam’s optical thinking that I could use this for that since Sam’s is supported. And it’s not supported because the eye doctor is independent which is fine I understand. But when I tried to charge the service, it needed a down payment of $65; but because she was independent, affirm declined the transaction. But while they declined the transaction, they still took the $65 from me! Contacted customer support and literally the only thing this “ supervisor” ( which apparently is literally a figure head to appease the masses) could do for me was say sorry. that’s all they offered me was a sorry. They couldn’t give me a reason of why a declined transaction still took money and I still have to wait till next week to get it back.(3-5 business days, but honestly) do not get this app. This was literally my first time using them and once I pay off Shein, I am absolutely deleting it. Save yourself the headache and stupidity..Possible BlightVersion: 3.306.0

No hidden fees, straight forward, easy to manage app!Ok, yes this a higher interest loan, but overall I’m impressed with Affirm & the product the offer. They are upfront on how much it’s going to cost u if you take the loan out with them. I’ve used affirm several different times & as of today not once has there been any strange or extra fees that has disappeared from my checking account. Also, so far, the only type of loan they offered me has been a straight up installment loan spread over 12 mos. with a set interest rate as the ONLY fee I’m being charged. There hasn’t been a fee to use the actual card they provide, or origination fees, membership fees...none of that. Since I pay them off way before the 12 mos anyways, it’s been a nice back up for me as I’ve faced unexpected medical costs, car issues, two teens still at home, and all the other hardships that ALL of us usually end up dealing with. If things get it of whack it’s nice knowing that I have affirm to help me out & I don’t have to worry that there is some hidden catch, or worse, several catches. Again, no problems so far with any of my personal checking /savings accounts that I use to pay my Affirm loans, no extra payments taken out, or recurring payments that “accidentally” still get taken out if my checking acct even after I’ve paid the loan in full. I’m happy to use affirm & I've come to trust that they aren’t out to rob me blind. It’s great to know what they are all about & how they can help me & my family if any issues arise where I’d need to use their services.....So far Affirm has been easy to deal with, and can get me the cash I need in about 2 mins-or less! Thanks Affirm. Thank you Affrm.Hillary101Version: 3.19.0

Pretty good…… sometimesAffirm is good for large purchases if you’re able to get approved. I had issues getting approved at first and my credit was good. Affirm doesn’t list a minimum credit score to qualify for a loan, but some websites state if you have a 640 or above, you’re more LIKELY to get approved. I don’t think that’s truly the case because I had a credit score well over 640 & I was still denied at first for small purchases less than $400. Then I was approved for a purchase of $2000. It doesn’t make sense at all. Every time I login in, it tells me I need to get pre approved again! My pre-approved amount always changes. I was pre-approved for one amount and when I logged back in, the amount was significantly lower. More than likely I will not use affirm again. I’ve paid off loans with them & even paid off some loans early & I was still unable to get another one. Another issue is, I doubled up on payments for one month, I thought it was go towards the balance for the next month & it did not. I still had to pay for the next month. If I would’ve known that at first, I would’ve never doubled my payment. Instead I would just continued to pay month to month. I’m not really sure how Affirm works but it’s a major headache. I will stick with other companies. The upside is, the interest rate isn’t that bad. Far less than other companies..De'LayVersion: 3.183.0

AFFIRM MADE MY CHRISTMAS, with PRESENCE not PRESENTS!Honestly so thankful for Affirm, I have good credit but a limited history and have trouble getting approval sometimes because i am self employed. I had to buy flight tickets last minute to get my kids home for Christmas they are unaccompanied minors so each ticket automatically has an extra $150 fee per kid each way! You can imagine the cost of these tickets and especially the week of Christmas and buying them last minute. I used alternative airlines as they accept after pay, klarna and affirm, I was already approved for a large amount on after pay 6 mos ago, I never used the credit so I figured hey this is perfect I’ll use it now! WRONG! I tried checking out with after pay and although I was already approved when I tried checking out with after pay they denied my checkout and flat out said NO. Next it said try another method and recommended Klarna, I tried with them and they accepted my checkout but with RIDICULOUS terms, instead of splitting it 4 ways, they wanted a down payment of $650 which left a little over $100 to pay off, WHAT WAS THE FREAKING POINT!? At this point i was ready to give up, my last option was affirm and I figured bc the other two where a bust that they would be too but i decided to try anyway, they approved me with the terms that I CHOSE immediately and I only had to pay $150 down! They paid my cart total and now my kids get to come home for Christmas! I immediately started crying tears of joy because i thought I wasn’t going to be able to afford the cost and not see them for Christmas. THANK YOU TO AFFIRM FOR MAKING MY CHRISTMAS, I will be FOREVER GRATEFUL AND WILL CONTINUE TO USE THEIR SERVICES FIRST BEFORE ANY OTHER COMPANY FROM HERE ON OUT!.Kills2222Version: 3.218.0

Love this app, but…I really love the Affirm app, and now that they’ve added the Affirm card it’s even better. I like how your limit changes for different stores, the ability to pay monthly is a god send to me. The absolute only thing i do not like at all, is the in app customer support. I haven’t utilized their support by phone so I cannot speak on that, however, when I’ve contacted support via chat in app the support representatives have been ummm let’s use a nice word, nightmarish to be honest. Half the time they absolutely do NOT understand why you’re even contacting them and give some canned macro response instead of actually reading what you typed and explained in vivid detail regarding the issue. It’s awful i mean for me it has truly been an awful experience. I worked many customer support roles in my life and made my way to CXO, and so I’m all about the omni channel customer experience, and that includes active reading in my case, they don’t listen or they don’t comprehend I’m not sure which, but i feel affirm needs to invest a little more in training their support team I truly mean that in the nicest way possible. I still gave 5 stars because the app is really great, just not the support. Sorry!.Lovealways…melissaVersion: 3.278.1

Great app and a great financing tool!My wife and I have been using Affirm for about seven or eight years now. Our first purchase was a memory foam mattress. At the time we started using it, our credit was not the greatest. We needed a new mattress and decided to give them a shot. We were approved right away with a 0% interest and like a year to pay it off which we did. Since then, our credit has shot way up and now we have something like $15,000 in available financing options with them. The app is very straightforward. When you login it will let you know exactly how much is available to spend and who they have partnered with. They often partner with some great companies, such as Expedia or Nike. They often offer 0% interest or at the very least, very low interest options. It allows you to make your payments automatically . So you never have to worry about being late. It also offers you the ability to pay your loan off at any time without any penalties. The user interface is very simple, the way that most people like it and want it. I give this app five stars. Even though they were always improving it, there really isn’t a need to. It’s great as it is. Kudos to Affirm!.Willyk34447Version: 3.295.0

Thank you Affirm!I’ve had the Affirm app since 2022 & it’s saved me so many times when I needed money, but couldn’t afford to pay at once. It was on a shopping app I use & was so happy when I was approved for the purchase, as I couldn’t afford the entire amount, but was able to put some money down. My credit wasn’t even above 600 at that time & they still approved me with making a small down payment & the option to pay off faster w/ no interest, or stretch it out for smaller payments. The finance charge is a standard amount & not much at all, especially w/ a low credit score I feel Affirm is more then generous. It also depends on how long you decide to extend the payments for. I was able to pay for unexpected costs & just some retail therapy I otherwise wouldn’t be able to afford. I set the payments to autopay & don’t have to worry. I read a review that when they made an extra payment it didn’t cover the nexts months payment, but I recently accidentally hit the button to make an extra one time payment after my payment for that month (November) was paid & it did go towards Decembers payment. Now I don’t have to pay until January. I do wish there was an option to cancel if that happens, but it was my error. Affirm had increased my credit limit faster then I anticipated & I love that I got an actual physical & virtual card to use. It really helped my credit at the time. Unfortunately, due to medical reasons & not working my score went down again. Despite all of my on time payments & paid off accounts, I recently have been declined credit, but that’s 💯 understandable, as other users need to realize that too. The app is very user friendly & I’m very grateful for the help Affirm has given to me!I will continue to use it & highly recommend trying it & the rewards it offers. Thank you Affirm!😊.Brwneyz713Version: 3.266.4

My FAVORITE way to Level Up my life!!I have been using Affirm to make larger purchases for the past few years, and Affirm has enabled me to purchase 2 Rolex watches - one for me and one for my wife - which I most likely never would have purchased otherwise. The convenience of qualifying for a purchase, making the purchase, and then making automatic payments to Affirm on my purchases is unmatched - period! What I love even more, however, is the ability to have a savings account with Affirm!! Affirm gives me the ability to automatically deposit funds on a weekly or monthly basis, and as a result I have been able to grow a fairly substantial little nest egg without ever thinking about it! And as if things couldn’t get any better, Affirm allows me the ability to withdraw funds and have them automatically deposited into my checking account whenever I wish, which I have done a few times when unexpected expenses have presented themselves. I haven’t found an easier or better way to save money in the past, and this savings account has been a real lifesaver on more than one occasion. I highly recommend Affirm to everyone I know and anyone I meet!!!.JDTexan68Version: 3.225.0

Overall good but...Easy to use, pretty self explanatory app. Enjoyed it a lot to pay for a jewelry purchase. However, if you make a payment, interest will still accrue while the payment is processing, which can take a few days. I made extra payments and set it up to do a final payment on the amount leftover, and had an item I thought paid off 1.5 months early, and I log into Affirm and it says I still owe 42 cents. Why would anyone pay all but 42 cents for an item? Affirms system left me unable to pay the remainder as I’ll explain further. No problem, I try to pay the remaining 42 cents, but it cannot take a payment below $1. So I think okay, I’ll pay a dollar, but no, it won’t take more then the balance due. This is not an acceptable set up. My interest rate is low so it’ll be a long time before it’s accumulated to be able to make the dollar payment. I wanted to have it paid off as of the last payment. Which should have been the case. The app should not be set up in such a flawed way that people cannot be able to make early payments IN FULL and their loans be paid off. If anyone from Affirm is reading this, fix this bug in your system right away and make everyone’s lives a little easier. These flaws only hurt consumer confidence in your system..Alvie HVersion: 3.109.1

Customer serviceI have been trying for weeks to get ahold of someone at affirm. None of the emails listed works. It always comes back and says we are not monitoring this box at this time. It even did it when they sent me an email and it said to reply to this email. Same thing happened. We are not monitoring this box. It also declined me on a buy now pay later 4 payment option and kept saying I was applying for a 6 month loan and my credit score wasn’t high enough. They are not suppose to even run your credit so I don’t know how that even played a part in it. I have had many buy now pay later plans with different companies and I have never had this problem and have always been given a credit limit which affirm does not do. I was on a site for hours then got turned down for credit I didn’t even apply for. It never even gave me the option it just went straight to the monthly payment plan and yes this site did accept affirm on the biweekly option. It had already told me what my payment would be. I’m going to contact the BBB if my credit was run cause it shouldn’t have been and I’ve paid every payment with this company and have no reason to be turned down. Worst customer service and buy now pay later program out there!! By far..Dont haveva nicknameVersion: 3.136.0

Rude un helpful!!! No understanding of there own rulesMy experience with them so far has been a complete nightmare all they do is talk in circles. First they told me that my credit score was after they approved me for a $600. After that, and I told them that I could show them that my credit score is higher than what they were saying. They chose to go to the next thing and that I apply to many times. Well if you look in their stuff or that their page. It says applies many times as you want it won’t affect you after I explain that to them. They said that it was a number of other facts. All these factors were the same as when I applied. Two months ago, they couldn’t even tell me what my score was when I applied they couldn’t I actually applied!!!!! Honestly I’ll Finish paying them, but after that I’m done and I was starting a business. Just hoping that things would work out. I asked the I asked them to do was honor the $600. They originally gave me that I had already paid off. The bulk of so I could get an ignition. Well, you lost the customer and probably a decent amount of money. Luck to you..JonathribeiroVersion: 3.260.0

Company great ,app ok ..I had a long and detailed review, written out, accidentally tapped the side of the dialogue box, and my review disappeared. Which is nothing to do with affirm, It’s an annoying issue with in the App Store.. so this review will now be abbreviated. Affirm, as a company in my opinion is outstanding. The app for the most part is very good also. I have only two small issues with the app itself. First is that Face ID does not work when I’m using My iPad, works fine on my iPhone (both of which are new within the last few months). Second issue is just in the appearance of the app itself. It looks like the app is the iPhone version of the app when using it on my iPad.. I recognize this “ issue” from apps i had years back that only had an iPhone version that I could install on my iPad. It leaves most of the screen black and only the very center is used for seeing the app. I wanted to give 4 1/2 stars but only whole stars are allowed within the App Store rating. These two small issues I have with the app are of only a small inconvenience and I can live with no problem. Just figured it’s worth mentioning in a review. Otherwise, I see no reason why I wouldn’t have given five stars..Vic42670Version: 3.222.1

Saved Christmas!I wasn’t sure if I’d be approved because I have poor/no recent credit, but I thought I’d give it a chance since it said it would not affect my credit score. To my great relief, my proposed purchase was approved, and I was able to get my daughter many of the things on her Christmas list. Without Affirm it would have been a very meager holiday since I hadn’t received my child support payments recently. The application was very quick and easy, and I appreciate that I was able to select the term and monthly payment amount for my new loan. I was leery of high interest rates, fees or other catches, but I found my rate quite reasonable and there were no additional fees. The terms are laid out clearly in plain English. It was also very easy to make my first monthly payment on the app, and I like that auto-pay is available but not required because some months I will make larger payments, pay early and/or use an alternate account for payment. I really appreciate this flexibility. So far, it’s been a very positive experience. Only slight nuisance is the deluge of financial offers I’ve been getting in my email since taking out my Affirm loan. But that’s a small thing considering it saved Christmas..MaddieKatz16Version: 3.168.0

I love Affirm - but don’t use it with VRBOAffirm is awesome - overall I use it to purchase larger gifts around Christmas or pay for hotels in a pinch and sometimes vacations. However - just a few weeks ago - I used affirm to pay VRBO for a condo for a vacation. Affirm asked for a small copay of like 250$ up front - which I did. Then VRBO immediately canceled my condo because the owner had an issue - but affirm didn’t recognize the cancellation for days - didn’t get my money back for a week. This actually happened twice - the next condo I tried to get - did the same thing and VRBO canceled AGAIN. This really screwed with my vacation with my family up because I had two different pending loans through affirm and they held over 600$ of my actual money tied up with copays for condos through VRBO. We had to condo hop because it was too close to our vacation to rent something for the entire time we were planning to go - and I was out my own money. Love Affirm - hate that they will work with VRBO and give them the money on the spot but not return my money on the spot. They also told me they were waiting for VRBO to send them a cancellation - but wouldn’t accept proof from VRBO nor would they actually speak with a VRBO rep. More angry that VRBO has no actual repercussions in place for the condo developments when they cancel that close to someone’s very planned vacation. Affirm just made it worse by tying up my actual money instead of just refunding it immediately. The reason I use Affirm for vacations, condos and hotels is so that I’m not tying up my actual money with the nonsense that can happen with rentals and crazy deposits. One other gripe is that some hotels and condos can elect not to accept affirm as a payment and that makes planning even more difficult when using Affirm. Their loss - overall - using Affirm has become a norm for me..Toby BaneVersion: 3.246.0

So Thankful For This App!Being a single mother on a limited budget, having an app like this is a godsend! Last October of 2021, my water heater in my house burst! After a good friend tried welding back together the corrosive broken water pipe on the tank, praying on a miracle since I didn’t have an extra 1k to spare at the time, I was stuck in bad place. As you might have guessed, there is no fixing a broken water pipe. Having no hot water for a week, I priced every water tank from multiple companies and tried moving money around to afford a new one. I found a pretty affordable one online and seen it was giving me the option to pay through affirm. So I downloaded the app and filled out the info to see if I qualified. Shockingly, they approved me for the $650 water tank and I only had to put $100 down! I think I had exactly $115 in my bank account at the time. What a miracle! 🙏🏼 With $50 a month payments, I was able to pay it off early too. I just used it for a 2nd time and finished paying off another expensive item. Thanks affirm for helping out us poor people afford things that we really need!.Tvon5432Version: 3.154.2

Excellent Way 2 Pay!I’m a Youtuber Jay Moore Reviews and I review movies, tv shows and products. I have been using affirm for a couple years now and it’s a excellent way to pay for what you need without spending all your cash at once or charging a lot on your credit cards. I have used affirm to pay for trips through Expedia as well as clothes and shoes from Nike. I love it! I could have paid in cash but then that cash wouldn’t be in my bank. I could have used my credit cards but then I would have to charge thousands on it and run my balance up. Instead I just pay monthly as I get paid and get everything I need and the best part is that I can prepay my balance at any time and save money on interest charges which is what I did when I paid of my Expedia trip to California! I love this app because not only do they have a great way to pay but they also have discounts for you when you shop which is great. I recommend this app if you need to build your credit or just don’t want to make big charges on your cards and want to keep some cash in the bank. In the end trust me you will be happy with the service 💯.Jaystradamus78Version: 3.117.1

DisappointedI am disappointed in a firm because I have made my payments every two weeks been months ahead on each loan FaceTime I used a virtual credit card but all of a sudden it made where I could not have a virtual card that I wasn’t denied and I got the balance total paid down it’s acting as if I have not made good on my payments which I have extraordinarily over and I know I’m like do you in like September or late August like when I was like made payments early. So I don’t recommend this at all it doesn’t do as it cleans especially not for your credit like if anything and hold it against you even though you’re making good with them you know mine is due from a horrible husband and divorce so I’m just on top of everything else I don’t know if I review if I misspelled words because I can’t even see what I’m typing which is weird trying to clear up what he destroyed for me and try and get my life back and everything and yeah I thought this would help but really it’s not I don’t know it’s just very disappointing because like I said I’ve made good with them but they like acting as if I haven’t I don’t know if this is the app or the actual company but yeah I don’t know I don’t recommend it.KeepingItReal530Version: 3.130.0

Worked great until it didn’tI’ve been using affirm for almost 2 yrs. Worked awesome. The app is no longer working great. I have never missed a payment and never was late. I can no longer use the app because it says it can’t verify my identity. Everything was working fine the day before it said I had 1500$ spending power now it says it can’t verify identity. When I saw this I immediately reached out to affirm. It’s been almost 3 weeks and have gotten nowhere. I tried all kinds of stuff like using shop and deleting the app and reinstalling all to keep getting the same problem. This has been extremely frustrating especially with school coming up for my kids. I am beyond annoyed and frustrated…. I have been loyal and I have made no mistakes. I would love if they had a way to resolve this stuff but Instead they just tell you your screwed and throw their hands up and say they did everything they could. Pathetic and disappointing…. Update: seems they have fixed the issue. Reversed my rating accordingly. When this app works it’s awesome..M&m914Version: 3.202.1

Great way to pay!I've been working with Affirm for approximately three years. I find they are fair in their lending practices; they set realistic goals for repayment and are available for conversation if something should come up that interferes with one of your prompt repayments. Unfortunately, I have had to make arrangements to change one or two of my payment dates due to illness. The conversation with the Affirm Representative was very helpful and kind instead rude or combative; I’ve appreciated the assistance I’ve received from the each Affirm Representative no matter why I called for help. I believe that Affirm’s good customer service is a reflection of who they are and representative of their decision to assist and support the people in making purchases they would not normally be able to make without a bank loan. Affirm offers individuals a modicum of trust from the banking community. For honest, hard-working people who pay their bills Affirm allows you to bank on your integrity so to speak. Make your payments on time and Affirm will continue to trust you. Thank you, Affirm..Ajacks451Version: 3.223.0

Affirm is the best!Out of all of the loan companies, Affirm is definitely the best. There is no crazy interest, no fees, no ‘90 days same as cash or you pay double what it’s worth’. Everything is clear cut and simple, the way a loan company should be. I’ve used a few others and at times I was fighting to make sure that I paid everything off within 90 days so that I wouldn’t be paying a ridiculous amount of money for a full year. Using Affirm has allowed me to have things that I normally would have to save for a long time to own. I always pay my loans off early and am able to get other things when I want or need it. I had my first experience at a Giants game thanks to Affirm. I will continue to use this company as long as they keep the same business model. Also, I love the fact that I don’t have to call them to change or remove a payment method, which I had to do with other companies. The app is super user friendly and I appreciate having this as an option to treat myself or my family every once in a while..Scorpiongurl77Version: 3.306.0

Awesome Service & App!This is a such great financial service. I really like the fact that there are no hard credit checks performed and the terms are not the same as a traditional credit card where there is a revolving balance. They have an extremely extensive listing of participating retailers in multiple categories such as clothing (including super high end like LV), beauty, home appliance & furniture stores, and even some major airliners plus travel services such as Expedia! Travel expenses, especially if you need to make plans last minute, can be extremely costly, so having the option to use Affirm to fund your purchase instead of putting it on a credit card is awesome. I also love the fact that you can get an estimate of the amount you may qualify for, and that the total you’re ultimately approved for isn’t fixed. Another thing I appreciate is not being penalized for paying off my loans in advance. Oh, and the app is just as fantastic too. Super easy to navigate, straight forward FAQ/answers, and is very aesthetically pleasing. I am so, so thankful for this service, 5/5 stars all around!.NissanSkylinePDXVersion: 3.15.0

Scary situation turned around by AffirmI used affirm for the first time the week before Christmas because it was advertised at checkout. I filled out everything requested, selected my payment plan, was charged $478 and then Affirm never completed my order with Neiman Marcus. My items are still sitting in my cart. Finding their customer service information was challenging because I wanted to send a screen shot of the error message I got from their site when I submitted my payment. There is no email or online messaging option so I had to call. I hate calling 800 numbers. Glad I did. The customer service associates were pleasant and helpful. I was mostly nervous because their website said it would take 7-10 days to refund my money but luckily, with the help of a manager, that wasn’t the case. She gave me a one tome card to use to complete my purchase over the phone. All is well! Christmas is not ruined. Nice work with customer resolution training. Seems like you all really value our business..MayathebVersion: 3.139.2

Great app, terrible customer service.The app itself is wonderful. Reasonable interest rates given the time frame and generous limits with an easy to use app and flexible repayment. Customer service however is almost ubiquitously terrible to the point I have to deduct two stars. Occasionally you get a rep that’s both actually fluent in English and well versed in the policies/peer side software that can help you engage and resolve your issues. Unfortunately the other 95% of the time you speak with someone that doesn’t entirely understand what you’re saying or what your issue is and simply parrots a script you’ve heard a three times prior. I’ll be the first to admit that there are plenty of languages and I’ll never disparage someone for multi language fluency, however in a job role where communication is the single most important facet textbook fluency just isn’t enough especially considering the open hostility and entitlement prevalent amongst consumers nowadays. I say this as someone that endeavors to approach these interactions with tempered expectancy and basic respect for the human condition yet still I find myself disappointed and frustrated almost without fail..The_EsteemedVersion: 3.296.0

Very good financingI have poor Credit and was very happy with the help of affirms financing. It’s great and cheap. Even with my terrible credit I received 15% which is much better then the 19-21% on cards I get. 15% is still high but for those with even better credit would reap much better benefits. Got 450$ financed for only 38$ in interest over a 12month payment plan. And the app is very easy to use. And doesn’t start the actual payment day until your order is shipped. So even thou my Order was placed on sept29th. I would log on affirm every day and watch it go from the 1st. To 2nd to 3rd and add by 1 every day until the 7th when my package arrived at my house. Which is great because the high quality websites I use have parts coming from Germany directly for my car and so shipping takes 1-2 weeks and instead of being 2 weeks into my order and having 2 weeks to pay my affirm account It didn’t start the payment dates until i received my items. Will be using affirm from now on over any financing program for a long time currently..Davie N.Version: 3.61.2

Affirm AppI found this confusing at first but probably because I skimmed everything and didn’t read everything. When I was first given the loan it looked like a check and I didn’t realize that had to be used for one purchase only and what was left over wasn’t usable. I was booking a trip so I applied again for the AirBnB and the loan I was offered was much lower but covered where we were staying. That had my total loan at around 500 because I started paying it back and wanted to secure my car, I was then declined because they could not establish who I was suddenly. I have since tried 3 or 4 times but to no avail so I wrote in to the company today to see what was up. Until the not being able to know where I am the program was a cool app to use you just really need to have what you want already found and be able to have it as a single purchase. I haven’t given up on the app just because the simplicity of it is great! It truly was the easiest line of money to get and pay back. Give them a shot.JODy@1966Version: 3.94.1

Just some credit infoThis app came in handy when i needed! BUT please understand each loan you take no matter the size does show up on your EXPERIAN credit report. I was approved for about 2500$ I made purchases at multiple retailers. Thought nothing of it till I seen my credit report. My fico went down for having a consumer installment loan. Not knowing having 9 loans at the time. Also it shows as closed accounts when paid off. So safe to say my score will be going down yet again because I now only have 3 loans left so. I will have 7 closed accounts on my report (originally had 10 from affirm all equaling 2500$ in total) so although you get approved for one lump sum. If you shop at different retailers it will all come up individually on your experian. Also before finding all this out I paid down my loans and attempted to get another for an emergency and was denied twice. First time for supposedly being unable to verify identity smh and second for having two many open loans even though the balance was down to less than 1000$. So if you reallyyyyy need to use this please stick to one loan period. Even when paid off do not use again.Ericka J.V.Z.Version: 3.101

Great ExperienceAffirm has provided a great experience hiding some of my Amazon purchases from my wife!.SlabRyderVersion: 3.178.0

We MUST HAVE a Dark mode!!!This app needs a dark mode. Use it at night and you’ll burn your eyes out. Also I want the abity to select multiple loans and with ONE click pay my payments with them instead of going one at a time. It’s the smart thing to do..Digikid2007Version: 4.53.2

UI sucksService is the best but I’m app it’s self kinda sucks the user interface is not very good, it’s just to basic does not tell you how much you are qualified for it would also be nice if they had a list of places that use it..A bro 69Version: 3.280.0

UI needs workThe field names overlap with field values and need to be corrected to allow users to see what they have entered.Tatonca74Version: 3.182.0

Affirm Buy Now, Pay Later!Best! Buy now pay later company out there! Very user friendly app and application process! No hidden fees! Helps build your credit score up quickly! Make payments online, directly from the app! Great, friendly, helpful customer service! Interest rates on various loans very reasonable! Easily 5+stars! Highly recommended!.KellyIrish19Version: 4.68.1

KayakWow je viens d'acheter un Kayak sur Amazon avec un plan affirm ce qui me permet de payer selon mon budget, je paie les intérêts en conséquences mais cela me conviens parfaitement !!! Merci Affirm !.SâmonVersion: 4.68.1

Excellent CompanyThere services are hassle free and acceptance is easy. Totally helps out when you have a big purchase and they give you options for payment. Once I order, purchase arrives and after that, hassle free. Affirm does everything else and you even get reminders on payment status. Thanks Affirm.69 BeaumontVersion: 4.53.1

Honestly reviewingTheir all process is so easy and smooth. Also, shopping from them is like a piece of cake..Rupees1258Version: 4.52.2

Amazing I use Affirm for every expensive purchase! Just one request for the app..I have used Affirm twice for Apple purchases and it has been amazing. It has been easy and simple and app makes it easy to track payments, get notified for overdue but the only request for this app is for dark mode! Please. Will use Affirm to pay next time I purchase something expensive!!.Pave GVersion: 3.316.0

Very good company to deal withI have used Affirm several times in the past year. The account is easy to use, yes basic interface in the app but that is better for this old lady. Easy to use. They keep in contact with me every step of the way by text or email when I interact with them for new purchases or refunds or cancelled orders. Thank you Affirm!!.Nikoman13Version: 3.307.0

Junk CompanyAvoid this company. They're not interested in customer service. They're only interested in money..ColonelBruce72Version: 3.316.0

Non-effectiveYou can only use debit card. They take about a week or more to process the payment completely before they deduct it from your debit card. The only advantage is that a lot of apps offer it as a method of payment by instalments..JyemillaVersion: 3.298.0

Free International Money Transfer 💸Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks! The cheap, fast way to send money abroad. Free transfer up to 500 USD!AdvertorialVersion: 4.67.1

Affirm: Buy now, pay over time Negative Reviews

Worst customer service ever!!I was enjoying affirm to start with until..I happened to check my affirm app one day and noticed there were 10 fraudulent purchases that had been declined. I was supposed to be getting an affirm card in the mail never received it, I requested for another one after a month of waiting, never received that one either. So I contacted them about the situation and they kept telling me the fraudulent purchases were from the “virtual card” and not the “physical card” yet the virtual card is a one time use card only so how could it have been used 10 times at 10 different online stores?? I then requested to have the physical card canceled and they said that a case was being opened and someone would contact me my phone or email 3-5 business days later. Here it is 2 months later and have not heard anything from them. So I called to find out what was going on they have no record of anything that had went on 2 months ago when I called, and apparently instead of them canceling just my physical card they canceled my whole account. I asked to reopen my account and got the someone will contact me in 3-5 business days. To add to this every person iv spoke to on the phone with affirm barely knows how to speak any English at all it’s very hard to understand them not to mention all the background noise as well from people talking and moving around. I don’t usually do reviews like this or leave reviews at all but I’m beyond fed up with this company and their ridiculously sorry customer service...Jwspencer_94Version: 3.223.0

Run. They’ll try to trap you & keep you from closing your account.Affirm was fine while I was an active customer, the nightmare began when I tried to close my account. They have set up so many roadblocks to prevent customers from being able to close their accounts. I last used Affirm around a year ago. After trying to unsuccessfully close my account through the app a few times, I called customer service over a month ago and the lady I spoke with said she closed my card for the account and that I would need to reach out again in 30 days to cancel my account. I reached out today to finish closing. The first person I spoke to said they couldn’t close my account and that they were going to check why. I guess I should have said thank you or something, because after two minutes of unresponsiveness to me (when no question had been asked of me and I was blindly assuming I was supposed to wait for them to reply with whatever information they discovered) they left the chat. I had to start all over with another guy. They at first said it was due to not having the correct address, then they told me my card was never actually canceled. I was forwarded to a manager who was just about as helpful as the two associates before him. And just received an email from him about how to close the card from the app. Here we go, starting the whole process over again. It’s feeling very scammy/gimmicky. Avoid these people at all costs..LaurenelizabethvernonVersion: 3.271.1

They share your private data! Do NOT trust this ‘company’Opened an account had to make 3 payments total. Set up auto pay, but somehow they screwed that up. My 1st payment then became past due, so I paid it manually. Get another notification saying I didn’t make my payment so I went in and made it but the first one actually had gone through so I made two which overdrafted my checking account. This is when it gets weird. Contacted the company through chat to see if they could assist me in any way, and during this process they sent me ANOTHER CUSTOMERS PRIVATE information via chat I’m talking name, account number and bank account number!!!!! I call that a data breach… The best part is no one cared. I told them I wanted to close my account immediately that I refuse to do business with a company that will haphazardly give my information to anybody. I tried to get in touch with the manager of the person who shared this information but of course, that was “impossible”… evidently this company doesn’t have phones or email A case was opened on my behalf, which was immediately closed with no resolution. If you don’t believe me, just try and get in touch with a person at this company before you sign up. Their customer service is terrible. Mostly outsourced overseas to “employees“ that have no power or willingness to help. They just want to get you signed up and charge you interest. I couldn’t get a hold of anybody that could do anything or even seemed to care. Please please please do not use this company if you value privacy!.Singlebarrel1Version: 3.314.1

Stop changing the appI’ve been making payments for one major purchase for a few years now and will have it paid off soon. I appreciate being able to pay something like this off in installments, but do they really have to change the entire layout of the app every couple months… I want making my payments to be simple. I want to log in and pay and not have to search around for my account to find where to make a payment or change payment amounts like if I want to make a double payment some months. I figured out how to do this, but it took a bit of searching. And I was confused when the layout had completely changed. The app requires forced updates frequently and the last one changed where the everything is. For what reason? It’s an ok design but I don’t want to have to scroll through a ton of adds for vacations and target and all the ways Affirm can make more money off people who take out loans for things they shouldn’t… You want customers to be happy? Make the app designed to be easily navigated by the user, rather than prioritizing advertising for your services. I should be able to click on my account and easily see my balance and when my payments are scheduled, and adjust payment method or amount. The home screen should not be ads for your business services. This is not user centric design..All th names are takenVersion: 3.280.0

Awful returns if the item is damageI have tried to find a phone number to complain about my experience but I couldn’t find anything in this app. So i have write this review about my experience here. I bought a microwave at Walmart using affirm very simple and easy, when i went to pick it up the box had multiple holes on it, i was afraid to take it home but the lady at the front desk said “ if there is anything wrong just bring back” well that’s when my nightmare start. I went to 3 different Walmart ( after i called Walmart customers service) to try to return this thing and everyone just said that they couldn’t process the item and it has a note “ item not returnable “ .... finally one smart lady told me that the reason why they couldn’t do it at the store is because I BOUGHT IT WITH AFFIRM so the return have to process differently, really ? anyone didn’t know this, so finally after manny wasted afternoons carrying around this huge box ( a 2.2 Panasonic Microwave ) they send me a prepaid label from the US Post Office and again ...i have go carrying this huge box and making this huge line to finally send back this thing ... it took a whole month to do this and I'm still have no microwave because affirm didn’t let me pick another from other store and they already deducted my first payment ... is very ridiculous and unnecessary when u can buy items in very easy payments way easier from different websites like QVC and they don’t even charge you interests Never again !!! Very very disappointing and upset!!!!.Olga DuranVersion: 3.82.0

DisappointedAffirm I believe is a good app. It helps you get where you need to get, buy what you need to buy without having to wait or pay the whole amount at once. But I’m so disappointed because I tried to purchase a package hotel+flight and the app Long me out. Out of nowhere. I tried again and to my surprise there was no money in my account. Then send me a email saying that “ the purchase got canceled, and I would get my money back 3-10 business days. Now I have to wait who knows if the whole 10 days to buy my flight when my trip is in 3 weeks. I don’t got the money in my account so I can’t even buy what I need from another place since they took all my money. I tried calling them and the answer I got was “It was probably a glitch but there’s nothing we can do for you but wait” I asked them if I could get it as credit cause I couldn’t wait more then a week cause the prices would go up and they said no. I asked if they could pay for the prices difference and they said no. I tried calling again because maybe the lady I was speaking to was new or maybe she didn’t feel like helping me and when the guy answered I got the same answered. I just don’t understand how I gotta pay extra money for something that is not my fault for a glitch that the app had at the moment. I don’t understand how a they would take all my money if the purchase never even went through..ValerynfVersion: 3.157.1

Worst companyHave had the WORST experience with Affirm. Tried to make a payment multiple times and there was an error. Checked with my bank more than once to assure no issue on my debit card/account. Called affirm and they opened a case for me and said they would reply in 3-5 business days. A month later, no response at all and now receiving late payment notices saying this will affect my credit score. I call Affirm back to let them know the issue is still happening and to make sure it doesn’t affect my credit since the issue is on their end. I am transferred back and forth and then speak to a supervisor which basically tells me there is nothing they can do and that my credit will be affected. Gives me zero options of other ways to get payment - I offered over the phone etc and tells me they can’t accept payment over the phone. Get transferred again and a representative tries to add my information to the account and that won’t even work so they say this is definitely an IT issue with the website. I tell them that affecting a customers credit when the error/issue is on them is not acceptable, they agree but say there is NOTHING they can do to pause the loan etc to avoid credit being affected. Honestly insulting and insane that no one can help when the company is at fault. Will never use this company again. And will take legal action if I am affected on my credit.MarriiggVersion: 3.138.1

App reporting is not quite accurateThis has been my experience with Affirm and Walmart and Affirm’s app. I purchased a laptop back in December 2020. I returned the laptop immediately to Walmart and Walmart failed to inform affirm of this. However, I made countless phone calls and sent a ridiculous amount of emails to verify the item was returned the same day it arrived to my home. It took affirm until March 17th 2020 to decide that I did not owe them almost $500. Between December and March, I was inundated with phone calls and emails asking that I pay affirm for a laptop I did not have. With each phone call that I answered, I was promised by both affirm and then Walmart that they would look into the issue and ensure I would receive swift assistance. It took 75 days for affirm to send an email informing me the refund has been processed. My credit has taken a hit for this as well. Now, the Affirm app is reporting Walmart satisfied the loan on December 29, 2020. Really? I would not recommend using Affirm, as they will keep the interest on your purchase, even if you return it. That’s not good business. It just so happened that I removed my banking information from their website before they could start taking money that never belonged to them in the first place. And while this review is about affirm, Walmart’s customer service is absolutely the worst, which is why this horrendous situation occurred in the first place. This debacle stole so many hours from me…time I can never get back!.2smrt4disssVersion: 3.117.1

Was a good first impression now not so much.First off when I first made my account I was stoked! I had bought my first necklace off of Etsy received it and made my payments ON TIME EVERY TIME. I have now finished my payments for some time and was looking to purchase a pair of shoes the next time and saw that I was prequalified for ‘possibly’ 1400. I go to the site on the app that the shoes were on and it’s saying They can’t verify my identity. Mind you the when I went to go onto the site a little pop up appeared asking me to type in my name/ phone number/ email. I did all of those things and it STILL said I couldn’t be verified. They sent a email back to me saying their decision was FINAL and that there was nothing I could do from there. This app was good at first but when you first go to the help page it says you ‘may’ receive a phone call, but I only received an email. I have never changed my email, name, or phone number. This is a total and complete bummer. I am DEFINITELY who I say I am and the information I gave is all CORRECT. I enjoyed this app and now this just leaves a sour taste for me. They don’t have any verification questions to help further identify you when you first make your account…yet when I received the email it says they take “measures” to identify you. What measures could have possibly been taken if you have done the complete bare minimum to identify me by. They need to do better with their identification services and the “measures” they take. Now I have to go find a different loaning company. Never deleted the app, changed my information or any of that this is honestly upsetting..Monemo274Version: 3.126.0

Awful!! Mediocre.I made an affirm account a year or so ago and stopped using it. Once i decided to start using it again I couldn't even sign in, so I kept entering my email so it would send me the link to verify my phone number like I didn't already put in my password and ssn. However, I never got a link and the app told me I have to wait 3 days or call the customer service number to verify so I called the number. Took an hour to get any answers or results, then after that they said they were gonna send me another email in 3-10 days to verify and I waited yet Another week. No email. Another week later I tried again on the app and after verifying my number and actually getting an email from the app, then it said "for security reasons you can't verify on the app call customer service," so I called customer service and had to speak with two different people. The first was no help and the second told me that my number couldn't be verified because the email that's been connected to affirm for literal years now, that they also just sent me an email in to verify my phone number is not verified. So they say they're gonna send me another email in another 3-10 days in order to verify my identity. At this point I could already afford to buy what I needed Affirm for, or I'll just use another service. -1 star, worst experience ever..Trill_tvasVersion: 3.210.0

Fraud!!!!!They are horrible at processing refunds. I bought a few Christmas items from Walmart with Affirm. I decided to return an item and get a refund. I sent the product back Nov. 28th. Walmart sent me a text message and email letting me know they processed the refund on Dec. 5th. I’m still waiting for a Affirm to process it over a month later. I have spoken with costumer service twice. The first time I was told it would take up to 45 days to process, and today I was told 60 days. Their site says it takes 3-10 days to process. Also, the representative I spoke to today said it shouldn’t have taken this long and she couldn’t tell me why. She suggested that I submit a “DISPUTE” and they would investigate it. Which is what I thought I was currently asking her to do. I was told to hang up with and go online to submit this “DISPUTE”. I still don’t understand why she couldn’t initiate this during our call. This is an inconvenience when already having the company on the phone with my account pulled up. Meanwhile, since my refund isn’t showing on my account I will have to continue to pay the entire amount due or they will report negatively on my credit report. I’m pretty sure that once I pay this account off it will close out and they will be even less inclined to refund my money. This is my first and last time using this service. Be careful!!!.Thought you should know.....Version: 3.167.0

Took away purchase power for no reason no explain eitherLol I use affirm on 2 different items one was $400 and other is $250 something. Monthly are $73 and $58 I don’t have a problem been pay on time for 5 months. Never have an issue. I got rude from affirm saying I no longer purchase power went from $2000 to $0 without explain why this month. I decide to stop pay them. Affirm alert me said I’m late payment. Yes sure why don’t they explain me why I no longer purchase power from $2000 to $0. Today they kept alert me said need make payment. I contact them today they want know when I can make payment I ask them when can I use my $2000 credit limit when they took away from me without explanation they said they can’t explain I said ok I can’t explain to you why I don’t make payment. Let me know when you can explain it to me and maybe I can make payment. Told them call me when they have answer why took away from my purchases power $2000. Credit score don’t matter to me. I own 3 cars own 360 acres with 2 houses on and don’t have any lend/loan…..the affirm really screw wrong customer. They can ruin my credit score that’s ok. They are not going to see $73 and $58 until they explain it to me why they took $2000 away from me. I’m 2 months to pay off and they never explain me why took it away $2000 purchase power..Supremacy28Version: 3.244.1

NO RESPECT FOR FRAUDULENT ACTIVITYI contacted your establishment nearly 1 week ago regarding fraud charges on behalf of my account to Fashion Nova and EBay. I DID NOT MAKE THESE TRANSACTIONS. I am VERY DISGUSTED AND DISAPPOINTED in the lack of concern your establishment has shown. I received a notification today that affirm found me responsible for the charges of which there has been no documentation or true investigation completed. These purchases were made WITHOUT MY CONSENT. I called immediately after seeing these transactions on my PNC bank statement and asked them to be cancelled. THESE ORDERS WERE IN FACT NOT CANCELLED and I received notification of that yesterday. If these transactions are NOT removed from my account and NOT refunded to me I will be discontinuing ANY AND ALL further activity with you, as well as seeking legal action. This is absolutely ridiculous and not customer service in the least. These transactions were completed with a “virtual card”. How did a virtual card even get linked to my account in the first place? I never received emails about the purchases until yesterday stating that the “loan had been accepted,” AFTER I CALLED AND ASKED IT TO BE CANCELLED DUE TO FRAUDULENT ACTIVITY. It is clear that affirm has no respect for the security of my information, or that of others using your services. If you ACTUALLY INVESTIGATED you would see that these purchases are not even being delivered to my address! TRULY DISGUSTING..StormstarterVersion: 3.118.1

Don't prioritize these payments they mean nothing for repeat customersI have used a firm for years, and I've always made a point to make my payments to Affirm on time so that my credit history can remain good with them. Even when my personal credit took a hit. I made sure to always prioritize these payments only to find out that it's to no benefit to me to prioritize my affirm payment, because they will reduce my amount based upon my credit, no matter how large of an amount that I pay back directly with them. I have Financed over $900 with affirm before and turned around and was denied for $200. While never making a late payment or missing a payment with Affirm! So don't be like me guys do not prioritize these payments, in the grand scheme of things it means absolutely nothing to them they do not value repeat customers. Zip has been one that does not drop my limit based upon my credit score and I make sure that I pay my things like this on time because I love to access these type of benefits. I made my final payment to affirm today and I won't be back just like I do not frequent PayPal pay in 4 either for the same reasons. Zip pay constantly increases my borrow amount based upon my payback . I won't be using y'all even when my credit is up to par these things matter the most to me.Skyee12355Version: 3.180.0

CAUTIONI had canceled an order because Affirm told me I asked for the exact purchase amount, but apparently you need a “5 dollar buffer” to process a payment. So if your total was 450 for a PlayStation, you need to ask for 455 from affirm. This is where the fun begins lol. Target had “already processed my purchase and therefore Affirm started a loan. Target Customer service denied that because a purchase isn’t fully processed unless you show up at the store and swipe your card. I reached out to affirm to let them know my order was canceled and that I was given a refund. Affirm takes 3-45, yes that’s correct! 45 freaking business days to process a refund! So I’m stuck with a 500 dollar loan until affirm decides to process my refund, which we are now on day 28. Target even cautioned me that affirm could take the full 45 days for them to give me the refund, which is ridiculous. Affirm tried deflecting the blame on target but it stated in their policy that even though you have been give a refund for a purchase, affirm will still take “3-45 business days to be credited” Also, you still have to make payments because it will affect your credit! Yay! This is what is so frustrating about their return policy. They need to make returns faster because I will never service again, and would definitely not recommend this trash to my friends..Valdeza12Version: 3.105.1

DO NOT USE!!I have had issues with Affirm since I started using it. They are nothing like their competitors. Affirm is a scam. None of the retailers like the Affirm cards. It declines the cards. Affirm states that the money for the down payment will not come off your card until your order is processed. Every single time. It has taken my money for the down payment regardless if the order was processed or not. It almost always takes 2 weeks to get the down payment back. I don’t know why I made the mistake of trying to use again. I messed up. I tried to do a Lowe’s order. The order was cancelled instantly because of the card. I sent pictures to the reps 5 different times over 2 weeks and I still have yet to receive a refund. Every time I reach out. “It’s still processing on their end. You have to wait.” Pictures and all showing the cancellation. I still have to wait for them to see on their end that it’s canceled. I hate that I ever signed up for this company. They have me stressed. It’s the principal! If I show you the order number and it shows cancelled why can’t I get my money back? If the order was never processed why was the money taken off of my card? You are better off using Zip, AfterPay, and/ or Klarna. Do not use this company! Keep yourself from the stress!.LexiSibVersion: 3.266.4

Refund issuesPoor in costumer service and communication. The merchant issued the refund, but I never received any notification in the Affirm app about it. The app constantly sends reminders for billing and upcoming payments, so you would expect something that requires immediate action to be notified in the all as well. Instead, Affirm only sent one email, which unfortunately went to my spam folder. Since the app never alerted me, I had no idea there was something I needed to address within a 48-hour window. I contacted the merchant’s customer service several times, and each time they confirmed that the refund had already been issued on their end. When I tried to check with Affirm, I was never able to reach an actual person. The system kept routing me to a bot that repeated the same automated message saying it could take up to 20+ days for Affirm to receive the refund from the merchant and another 3–5 bussiness days to process it. Because of that information, I believed the refund was simply still processing. After almost three months of waiting, I started digging through my email trying to understand what was going on and eventually found the message in my spam folder. That’s when I discovered there had been a 48-hour response window, which I had never been aware of because the app never notified me and I could not reach a real support agent. Now Affirm says I missed the window, so I still have to continue paying installments and interest, and once everything is finished they will mail me a check for the refund instead of simply adjusting the balance in my account. Expecting customers to check their email and spam folders every day for critical account updates is unreasonable. I expected much better communication and customer support from a financial service like Affirm..EvellifVersion: 3.333.0

ScamBe very careful with this company/app! It will leave you prone to scams and this company would actually have the audacity to ask you to pay a fee after you were the one who got scammed and had to lock the card. The representatives are absolutely not helpful what so ever! Tried closing the account completely and they actually wanted me to pay a fee to unlock the card first even though I had photo evidence of the purchases not being from me and even showing them that all of my loans with them were paid off. I’ve been using affirm for years because I thought it was legit but if you don’t have to use them, DON’T BOTHER!!! I even had a representative call me and tell me everything they’ve noticed happening with the account over a month ago. The person went as far as telling me what state the scam was coming from. I thought things were clearing up until the phone got disconnected and I waited for a call back that I never received. When I called back finally, the next representative was so clueless which furthered my aggravation (like why wouldn’t this all be noted in their system) and I just hung up because I didn’t want to further implicate my information with this nonsense! I have never been so furious with a company like the way I am with this one!.Deb. LVersion: 3.280.0

Purchasing powerI had no issue with this app and have never missed my payments and paid off several larger loans over the last two years. Then after affirms reoccurring credit check all my spending power was revoked and has not been offered basically after inquiring I was told I had delinquent accounts unrelated to affirm on my credit report. It seems they do base your eligibility off your credit report and not off your perfect payment history or number of loans paid off with affirm. Very disappointed as now I can only use the app to continue to make my payments on my existing loans and my purchasing power is gone . Not sure why Affirm falsely claims they do not use your credit when determining your spending power, when they do 100% and run credit check every 15 days to see if they will continue to offer you spending power .. my credit was never great the moment I was approved so I find it odd that now it’s a factor when I have paid all Loans early or on time and never missed any payments . No incentive for good standing on account. Super disappointed and dissatisfied when initially I thought this app was better than owning any credit card bummer!.MiszguyVersion: 3.271.0

Was great now NOT so much.So I started using Affirm back in 2018. I started with a lower approved credit amount but paid the first one off and I was able to get an increase. This happened time and time again for a total of NINE paid off loans without ever having a late payment. Recently I had a large revolving credit line with not even half being used, the app decided to pre approve me again and I was informed they could not approve me for a loan and the decision was final. There have never been any late payments to this day, NOT ONE. I still have 4 open loans and have paid them on time as well even through this pandemic. I emailed Affirm and the generic robot replies I received clearly indicated they didn’t read or care about what I had to say. One of the deciding factors was my PAYMENT HISTORY or lack there of with the company. They use trans union for credit approval but report to Experian who shows I have 100% payment history with never a late payment. There were more issues but I’d be here all night typing. I was so happy and pleased with Affirm, I bought things I wanted and rebuilt my credit, they made money off me. Was a great win win for both parties. I’m one person with a MILLION behind me to take my place so why would they give a @%$^?.Covey'sVersion: 3.103.0

Great if you never need customer support everAs of now, I have been trying for three days to update my name after a legal name change. They refuse to offer me any solutions after the verification link they send hasn’t worked for me multiple times. They offer no alternatives. They have closed my case to update my name numerous times. They will not answer questions. They send the same template answer every time that it’s made me question if I’m even speaking to actual people and not some sort of automated response. They REFUSE to respond to the question of if they are a real person and will cause the case to be closed quickly until I have to reopen it again. Support sends you in circles as the phone number can’t help so they have the help center message you, but if you have an issue the help center says they can’t do anything and to call the phone number, rinse and repeat. I’ve even sent them in the message the information they request to verify my identity and they refuse to accept it unless it is through the janky link via a different service that won’t even let me take my own picture, it takes the pictures of my information for me and won’t let me see the picture it takes. I’ve no idea what the quality of these photos are, and I can’t retake them if they’re not good. As soon as the loans I have on Affirm are paid off, I will be closing my account and not going back. This is the worst customer service experience I’ve ever experienced and it’s legitimately making me go insane and I’m trying to get in touch with their legal department for emotional damages (partially a joke, but I am genuinely trying to get in touch for the fact that at this point they are refusing to let me update my information due to their own services failing consistently.).RuokbroVersion: 3.264.0

AnnoyedI have used Affirm for several large purchases over last few years. I have recently had an issue with purchases from an online company. When I attempt to use affirm I am asked to confirm my information. When I enter my information I receive a message stating my identity can not be confirmed and that I can pay in full. Every time I have used affirm for big ticket items, $1200+, I have paid the loan off well before the term of the loan. Affirm customer service seems non-existant. I was asked if I would like to update my review. Here is the update Affirm help features are not helpful. I want to know why a particular online retailer, with whom I have used affirm in the past, is being problematic. I ysed affirm for online purchases in the last 12 months and 4 months with two different companies with out issue. However when I go to check iut with this particular retailer the affirm option asks me to verify my identity and when I provide my information I receive a message stating my identity can not be verified. I have been contacyed by Apple to tell me affirm has reached out to assist. The only assistance provided are links to articles none of which are helpful. If I could rate negative or at least zero stars I would..Kizerk9Version: 3.173.0

Can’t even create an accountI am trying to create an account, didn’t work due of verification eligibility, I want to see how that works if I pay every month something online.. USELESS APP.Marcandray25Version: 3.189.1

FrustratedHaving a hard time trying to set up bank card for payments. Keeps kicking back my postal code and tells to to retry. Most frustrating as you can’t speak to anyone to get it fixed. Don’t want to mess up my credit score:(.Squad guy!Version: 3.198.0

Fake serviceFake service, worst customer service ever. For 2 months trying to use their service with Amazon and not working. Calling the customer service with the same answer “escalated to the technical team and takes 3-5 business days. We add a priority note on your case since it have been one month long. We would send you an email we are sorry to hear you have a problem, rest assured we would take care and bla bla bla “ for how long that pretended to be a service? July 2023. Now we are October 2023. I have the emails with the screenshots and records of phone calls.Amr ElVersion: 3.208.0

Dishonest companyThe reason this company doesn't ask for your banking information when you sign up is because people don't want to provide this information. They force it upon you 30 days after you pay and its too late to back out. DO NOT USE THIS SERVICE.DrdrfyfhvhfVersion: 3.178.0

Waste of time.Got the app & tried to make account but says based on an eligibility check, we can’t create an account for you just yet. Please try again soon. Even though I have an Amazon order using affirm which is weird idk. Hope the company fixes this issues cuz now I have to call to make my payments..Kathalina33:3Version: 3.208.0

RefundToo many but to make a refund.Ceba1986Version: 3.282.0

AnnoyedCan’t even see your spending limit.LeighTinkVersion: 3.281.1

Could be improvedGive me a list of stores that I can shop with using Affirm Shop ways to increase my limit Provide incentives to pay on-time or increase my limit work either vendor to provide online coupons or discountcodes.VocalyzeVersion: 3.278.0

Be careful they take biometrics without your permission!!!This isn’t yet regulated in Canada and they take 4 business days to update your phone number and on top ask for your govt ID and biometrics! Ridiculous.LheylahVersion: 3.264.0

Canadians Do Not QualifyThey cannot process you’re credit score and will not ask for you’re social insurance number so you can not be accepted. Do no do this. They are collecting data on people and Amazon is helping them do this. After speaking with someone who I could barely understand because they spoke broken English I was given no actually reason behind why I wasn’t accepted..TruthkingyesVersion: 3.260.0

PurchaseI bought a Samsung and Apple Watches and it doesn’t show it in my account.Disciple.XVersion: 3.246.1

Can’t access my account!!Can’t access my account!!! Been 7 months!!.I love computer tvVersion: 3.201.0

2 payment plans but they refuse to create an accountI have 2 plans with Affirm, but the system has refused to allow me to set up an account. Now have no way to monitor or verify the payment plans. Will never use Affirm again..Sawdust102Version: 3.189.1

Create account didn’t wordTried to create account, Didn’t work..Ed_SpVersion: 3.189.0

ScamI reported this business as a scam to the BBB and you should too if you’ve been victimized by their false advertising and intentionally deceptive practices that say you can get a purchase fully financed at 0% when they actually sign you up for a bank loan at 28%. Your loans are also the kind that count against your credit score, which they don’t tell you either. Full and total scam..LilAuntieKVersion: 3.189.0

PaymentPayment method is very confusing. Still can’t make a proper payment because it saying I’m using a MasterCard and I’m not it is a debit card try changing it. It still won’t let me..ChewychVersion: 3.183.0

BlehThis app is crap..CariiiiiissssaaaaVersion: 3.183.0

Stopped workingWon’t let me login. When I try to, it goes to the affirm.ca page to login but it never opens..Will I Am1965Version: 4.69.1

Super poor customer service.Bought items via Affirm. Had issues and customer service was brutal. Took 2 months to get no where and they will get close happy even if they take a week to reply..Djstorm420Version: 4.67.1

Apple StoreVous vantez dans l’application qu’on peut utiliser Affirm pour tous les produits Apple mais quand il s’agit de seulement des AirPods Pro, on peut pas choisir Affirm… vous devriez peut-être modifier les informations dans l’application qui sont fausse..MartinD21Version: 4.54.2

Affirm needs better customer service hoursIt’s ridiculous how the customer service is only open 10 hours a day..D-fadedVersion: 4.54.2

Frustrating experienceMy Apple order was canceled, but Affirm kept the loan pending for 39+ days. I contacted support multiple times and provided proof, but kept being told to wait. After escalation, my account is now blocked and I can’t use their services. Very frustrating experience..LosmeowsVersion: 4.54.0

Can’t input Canadian postal code to update credit card expiry date!And I can’t add another credit card to the account!.GoldenvikingVersion: 3.333.3

AWFUL!I have an account there. I have two payments, one of which I made on Amazon, and the other I don't even know what it is (for a fairly large amount). When I decided to open a dispute, a week or two later I received a response saying "you are responsible for this payment; you didn't provide enough information." And now I can't cancel or dispute this order, even though a lot of time has passed!.YriughVersion: 3.333.2

Address changeI can see my old address in the app and I was unable to change it , it seemed I could only change my email address. I am no longer using that address since I moved from there a long time ago and so I think it is frustrating.Nn€¥@Version: 3.333.0

Worst financial app experinceThis is hands down one of the worst apps and services I have ever used. Zero customer service. Agents are consistently rude, unhelpful, and clearly not trained to resolve issues. Every interaction feels like they are doing you a favor instead of supporting a paying customer. The app and website are constantly malfunctioning—errors, failed logins, broken pages, and transactions that don’t go through. For a financial app, this level of unreliability is unacceptable and stressful. When issues happen (which is often), there is no real support or accountability. You get scripted responses, no solutions, and no follow-up. Completely unprofessional. Do yourself a favor and avoid this app. There are far better and more reliable alternatives with actual customer support. I wished there was 0 star cause 1/5 ⭐️is being generous.ShaghayeghnziVersion: 3.327.0

MardeDe la grosse marde si je pourrais mettre 0 je l’aurais mis n’installer pas..SanadjolsantVersion: 3.323.0

Once you refund an item, they will ban you.I tried to buy a Mac today at Apple Store. Thought about using Affirm to split my payments into two different payments to make it not so bad spending 4k$ at once. It wouldn’t work physically. Fixed it by buying it online thru the Apple Store with affirm. It wasn’t the right Mac parameters so I refunded it and tried to order the correct one, but they now won’t let me get approved to anything anymore and the call center told me you have to wait 3 months to get « unbanned ». So basically, if you refund an order 5 minutes after getting it with Affirm, they will make you now uneligeable to have any new orders. Will be paying my Mac fully on my own and I do not recommend ever using this company and app..YMG67Version: 3.318.1

No customer service at allNo way to reach live agent, no email, no phone number. Instagram messages are unanswered. No way to resolve issues and to get answers. Don’t use their services. No customer support at all..Zoar 1976Version: 3.318.0

Dark modeIt's the 21st century and you guys still refuse to offer a dark mode option. Instead, I'm left to having my retinas burned out of my sockets every time I open your app. C'mon, guys. There is ZERO excuse for this..CrpentonVersion: 3.314.2

Rejection logicAffirm logic: “Approved for the first one, denied for the same thing after returning it.” Guess returning items makes me less trustworthy now 😂.Halmurat97Version: 3.314.1

GarbageNot worth it.PhooluVersion: 3.314.0

FakeThey lie, and never accept for financing. The reasonings are just childish.Zzz-673Version: 3.312.0

Worst app I have ever seenWhile trying to register it says you have an account but I never had an account before and displays someone else’s number to verify and continue. I called customer service twice but they did not care about the issue. Do not use it!!!.MehmetalikabaVersion: 3.310.0

Trash appNever works.NnnnfhjdVersion: 3.308.0

ListeMon magasin utilise l’application mais je ne le trouve pas dans la liste qu’ils déploient!!!.Hé BeinVersion: 3.308.0

Mise a jour obligatoireLa mise a jour est obligatoire pour l’utiliser mais pas compatible avec ma version de téléphone. bah tanpi je desinstalle..NoemieP.Version: 3.274.0

GoodJjjh.Eric8306Version: 3.297.0

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