This has been one of the worst financial experiences I’ve ever dealt with, and Affirm made an already bad situation significantly worse.

I used Affirm to finance a service for dropshipping support. The person I hired turned out to be a scammer — they failed to deliver what was promised, misrepresented their services, and ultimately admitted fault. We even reached a settlement because of it. This was not a misunderstanding — it was clearly a fraudulent situation.

What makes this even more frustrating is that Affirm provides a platform that marketers and service providers can use, yet there seems to be little to no accountability when those providers turn out to be dishonest. There is no real vetting or protection for consumers.

Despite me explaining everything and providing details, Affirm refused to take meaningful action. Instead, they continued to hold me responsible for the full amount as if I received the service — which I did not.

Now they have actually sent my account to collections.

So not only was I scammed out of money, but Affirm has now damaged my credit and escalated the situation, forcing me to deal with collections over a transaction tied to fraud. This is beyond unacceptable — it feels completely unjust and predatory.

Affirm markets itself as a consumer-friendly financing option, but my experience has been the opposite. There was no protection, no support, and no willingness to step in when things clearly went wrong.

I would strongly caution anyone considering using Affirm, especially for services or online marketing offers. If something goes wrong, you may be left paying for a scam — and even worse, dealing with collections — while Affirm does nothing to help.

I would give them O stars too!Terrible Customer Service and never buy a Vacation Package deal through Priceline or any vacation…it’s miss leading ,hidden none refundable right under flights in tiny letters none refundable but on top of Vacation packages it says refundable with reasonable cancellation anyway Afirm never explains anything to you when you call and ask and they don’t give a shit as long as they get there money…none of the customer service or the supervisors know anything!Never again will I use affirm beware!!!and what they say below this is all bullshit there telling there Customers that spend thousands of dollars👇👇👇👇👇💩💩💩💩💩

I would give Affirm 0 stars if I could. Worst company to deal with. I needed to hire a lawyer and they used affirm to have me pay. My husband died 8hrs after talked to the lawyer so I told her we couldn't do the guardianship anymore. He died on the 10th & they put the loan through on the 11th. I told affirm I wanted to dispute the transaction because nothing was ever done. But they kept telling me that I had to pay. Because there was no proof. I said what proof can I give you. They didn't do anything for me. I sent you the death certificate that he passed away on the 10th. You put the loan through on the 11th. When the law firm finally put the credit through. Affirm is still harassing me that I owe them the money. I told them contact the law firm. They will tell you they sent the money back. No. They are still harassing me. They are fraudulent co. Trying to collect money twice. I want the harassment to stop! You have the money I have the copy of the credit that went through. Don't ever use affirm!!! You will be sorry!!!

HORRIBLE CUSTOMER SERVICE!!!! Once you wade through their A.I. BS and finally get an agent you'll wish you were still arguing with the A.I. They have no power to fix, change or resolve any problems. They read off canned responses and will just transfer you from agent to agent until you get frustrated and just give up. Today was the last day for me to give up so I'm here warning you to not use their services. USE Klarna instead. They charged me for payment plans I did not make and refused to refund my money until they have held it long enough to make interest off the money. If you don't have their useless app then you can't see half of the info they have for you regarding CC's or interest payments they are charging you. They also crested a CC account for me that I DID NOT AUTHORIZE OR ASK THEM FOR and they mailed the CC to an address I no longer reside at! If I could give them negative stars I would. it's no wonder their TP score is abysmal.

Abysmal customer service. I cal with one question and get transferred to 3 different departments. They are all Indian and I can hardly understand them. I had fraudulent purchases on my account now they locked me out of my account and won't show me anything I ha e cash I put in my affirm bank account I can't see if its there or how much I had since they locked me out of my account. AVOID THIS COMPANY it is not worth it.

Reply to AFFIRM; its with EVERYWHERE, including the ones offered to me on your app. There's no confusion, its exactly how I said it was.
How do I have a 730 credit score, 9 year credit history, and a full time job paying almost 6 figures, and yet you guys cant help me buy a 300 dollar desk?
What a terrible company, they never actually have standards, ive noticed they only accept people who have a history of not being able to pay. If you have a history of always paying, they never accept you.

Been with affirm for a while now.. my purchasing power was up to 12,000$. I payoff all my loans very quick. I noticed today my purchasing power fell down to 4,000$. Credit score has been the same since I got with affirm. How did my purchasing power fall that much, when I triple my payments on every loan? Done!

I was enjoying Affirm until today. I tried to place an order on Target. The purchase would not go through because Target had discount offers on the items I purchased. I spoke to five or six people which was truly frustrating. I explained my issue and asked if they could honor the $20.40 discount with proof after paying full price. They stated no. If I do this on Klarna or Afterpay, they just focus on the total and do not think the discounts are gift cards being used with the purchase. I was truly disappointed in Affirm. I will pay off what I owe and no longer use them. It's sad that consumers are taken advantage of. Affirm refuses to recognize when a merchant offers discounts to consumers. Learn to use your brains and not AI. In these days we are living, some people do not know critical thinking and customer service. It got so bad with a man I spoke to, I ended up cursing him out and hung up after I asked him if I could speak with someone who was not combative like him. Hopefully Affirm gets it together and makes the shopping experience with discounts more pleasant for customers.

Today I received a response from Affirm. They clearly do not understand my concern. It's not the merchant, it's Affirm. Afterpay and Klarna see the total balance, Affirm does not. They think promotions and discounts are gift cards. I am done with this matter and Affirm.

As a woman who is addicted to shopping on Amazon, the same way Nick Cannon is addicted to procreating, I am so grateful for Affirm. They offer flexible payment options, including longer terms. This is convenient, especially in this poor economy. I always pay my loans ahead of the due date, and Affirm treats me like a great client. This is opposite of Klarna, who treated me like I was Prince Andrew of the Royal Family. Choose Affirm. ALWAYS.

It's been over a month now and no resolution to confirming my identity. So I have to take time out and call in to have a rep pay on my loan for me. This last time I was too annoyed because I had to yell at an AI to get me to a live agent because this robot could not help me resolve my issue. These experiences has not been pleasant and I am over this company.

Do not use affirm, someone has access to my card and has been making unauthorized charges and this company does absolutely nothing to protect you as a consumer and customer. The money comes out of your bank account and you have to wait for a 45 to 60-day investigation. Utter b*******.

C’est dommage car avant qu’il change de nom (Paybright) vers Affirm. Tout allait très bien très bon dossier aucun paiement en retard. Dès que la transaction a été finalisée Affirm a pris les dossiers des clients ils ont fait beaucoup d’erreurs. Mon score de crédit est très bon aucun retard. Impossible de faire une seule transaction message d’erreur à tout coup où ils mentionnent que ma demande est impossible a traiter. Apres une cinquantaine d’appels et de retour d’appels le dossier est sensé etre corriger et fonctionnel. Depuis les trois dernières années le même problème!

Je ne recommande pas du tout Affirm tenez vous loins des problèmes et des frais de taux d’intérêts entre 21% et 30%

Terrible company and I refuse to use them again!
Have been dealing with an ongoing dispute with a seller for some time now and affirm just have not listened to my side of the story! I am frustrated and upset! You are unable to read messages that they send to you as you receive an error message constantly! I have called numerous times about my dispute and not understood. I have seeked legal advice as my purchase was missing items and does also not work!! I have contacted the seller to return the item due to the above but affirm took the sellers side! I have taken Legal advice and they have confirmed I have a case to take this further! Very disappointing that I am unable to discuss this with affirm and have been completely ripped off by a seller!!!!! Disgraceful!!!

I got afirm for quite sometime and always paid their money on time and never missed a payment. I used to owe them thousands of dollars and paid all. This morning I was about to buy my ticket and decided to check my purchasing power and said $3000. I went to priceline.com to buy my ticket and used my affirm account, no notification was sent to me that they have declined my transaction on the priceline.com website. This morning while I was scrolling on my bank account I showed priceline.com has changed my checking account $2174 and I went to my email and showed email from affirm that they couldn't approve my loan. I logged in to my account still it's showing purchasing power $3000. If that's balance why do you failed to approved my purchase?
I don't think I'll use them anymore.

DONT USE. If you get a refund from the retailer, you will still have to pay interest. What a complete con. Will never purchase a product they are financing ever again.

Affirm sucks! Every time I try to make a purchase it declines because of suspicious activity. I then receive an text asking if its me and after I confirm it still declines. Just better off using another service.

It was awesome at first. Then we ran into a little bit of trouble with our finances. Then affirm proceeded to destroy my credit. I then paid off the entire account. Thinking they would actually report to the credit bureau that it was paid in full. Nope they are quick to destroy your credit but take their sweet ass time helping your credit. I do not recommend using this company if you like your credit score.

Had a great experience with customer service from Yahya M. :) very helpful and efficient!

If you are a victim of fraud, Affirm’s systems are designed to make you fail.

​We used Affirm to finance a purchase that turned out to be a verified counterfeit item (fraud). We opened a dispute, but Affirm’s online resolution portal is an absolute nightmare. When you upload crucial evidence (like official manufacturer counterfeit reports and Police Crime Reference Numbers), the portal provides no confirmation, no email receipt, and no visible history of your attachments. It is a 'black hole.'

​Because of this severely flawed system, Affirm prematurely closed our dispute, claiming we "failed to provide evidence"—evidence we had absolutely submitted. They then tried to direct us back to the scammer's own return policy, completely ignoring their joint liability under Section 75 of the Consumer Credit Act.

​We are now having to bypass their broken portal and email supervisors directly just to get a paper trail, while preparing a formal complaint for the Financial Ombudsman Service (FOS).

​Do not use Affirm. If something goes wrong, their system will protect the fraudulent merchant, lose your evidence, and leave you chasing the debt.

I plan on canceling Affirm once my balances are paid off. It is nearly close to impossible to rely on this service for vacation planning since they constantly change the purchasing power. My credit score was low to my standards, at around 691 and my purchasing power was 1300.00 but when I paid off all my credit cards, my utilization dropped and my score jumped 107 points after I paid off all my credit cards after Christmas. So my score jumped to 798 and I kid you not, when they did a soft pull to determine my purchase amount, I was denied anything because it says my accounts history is too short and to wait 14 days for an account refresh and then mention their decision is final. How does that make any sense? Deny me when my credit is almost perfect but give me 1300.00 when my credit was in the higher 600's? What?! My balance on Affirm actually dropped. I'm done! Not a reliable service for by now pay later. Oh, and I have NEVER been late in the 3 years I've had this.