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.

Do not use them. Their resolution process with fraud companies is worse.

I have spent A LOT OF MONEY thru this company and it can now kiss my A$$! To tell a customer they qualify for 7,200 and to turn around and deny the loan?? That's really shitty!! Especially since I still have one active affirm loan!!! After it's done in August of 2026, y'all have can kiss my ASS!!!! And I'll be sure to let everyone know how shady y'all are!!! No wonder there's a lawsuit against your company!!! SHAME ON YOU!!!

Beware. I have spent 3 months dealing with Affirm. I had a problem of Affirm’s making. I received only condescending treatment. It consumed 15 exchanges with merchant Paul Frederick, my credit card company, which stopped payment to Affirm after reviewing the evidence - and AFfirm. Affirm customer service was routinely smug and absolutely futile. I gave up. I offered to make an immediate payoff on the balance - minus $5 as a token gesture of the grief Affirm caused. Instead, affirm turned the account over to a collection agency. I have a credit score of 830-840. Mortgage paid off and can pay cash for the next new car purchase
This is all about principle, Buyer beware .. Affirm is a ruthless company with customer service reps ill-suited to resolve problems.

It was a wtetched experience. I will keep warning others.

Never deal with them or its affiliates such as shop pay etc! In 2024 I order a dermapen aka dermablast skincare tool through shop pay! I made 2 payments on it, but it never arrived. I reached out to the merchant immediately but the merchant was permanently out of business, i left emails , I went through all the channels to dispute the charges like clock work, nobody got back to me, I dispute it with shop pay and was told I had to dispute and report the incident to affirm. I did that several times and I got nothing in return! I recently checked my credit report and they charged the remaining balance of that dermapen off to my credit. I tried again to dispute it with them and they said since it has been over 120 days that nothing can be done about it! Well that is terrible because if a merchant for whatever reason decided not to send your product then that means you still have to pay for nothing or they will hurt your credit! At the end of the day this is robbery and you loose big time! Also I spent thousands of dollars with Affirm and shop pay!! I valued my accounts with them! This one thing happened and the held me red and hung me out to dry rot in ground. They blamed me for the store going out of business! On top of that I tried to dispute it off my credit and they responded and said my charge is valid! Like I said I’m done! Never again! No one there to correct it, just apps and AI bots! I’m done done with this crappie company!!

I have used this company for 2 years. I’ve never had an issue until I bought a printer from swing Design. The printer came defective. I contacted swing design for a refund and they are unwilling to give me one even though procolor the manufacturer of the printer agreed to the return. I opened a dispute with affirm 3 times. Spoke to supervisors to resolve the issue. The first supervisor wrote a summary on the matter and pointed out the discrepancy in swing design return policy. The “investigators” at affirm took 1 day to investigate the dispute and got no information from swing design. They then cancelled the dispute in favor of the merchant. The last supervisor was rude and did absolutely nothing. I have since filed a claim with BBB, Florida attorney general office and Consumer Financial Protection Bureau. According to affirm they paid out Swing Design for the loan and can’t do anything to retrieve the money I spent $3000 for the broken printer. Additionally they now want me to pay $3399 the balance even though the printer is broken. This company doesn’t care about their customers which is unacceptable especially since we are the ones paying the interest and putting money into their business. I have taken out many loans and paid all of them but I refuse to pay another penny for a broken printer.

My mother tried to purchase a bed cover shell for her pick up truck a few months ago on eBay using affirm to pay for it. it said that everything went through good on her end and she then received a message from the seller stating that the item had already been sold and he thought the posting had been pulled down. But Affirm is still trying to make her pay for the shell even though she never received the item. My mother is 74 years old and on a fixed income and sad that Affirm is trying to steal from an elderly woman because of a mistake on their end. She said she’s not going to pay for an item she did not receive. They even had a Law Firm call her today about it.

Nightmare of an experience for me. Affirm fraudulently withdrew unauthorized payments for months totaling $222.46 before I realized it and contacted them to investigate the charges. I won, and a refund was owed. However 5 months later, they still refuse to correct the wrong they did. Literally every time I try to contact them about it, I spend 15 minutes answering verification questions on my account to the point of limited patience. This company is a fraud. DO NOT RECOMMEND. SCAM.

They charged interest even after returning the product ie not buying it.

I'm a customer of this company now I went online to see how much it's going to be so I can pay it off it had $1,070 on there I called to make sure that was the right price the lady check and she said that's the correct price why when I go back 2 days later to pay it off they have add another $1,000 to the account I don't feel like that's right I called customer service the first one hung up in my face the second one did know what they was doing the third said the lady didn't know she was talking about or what she was looking at and I told her yes she did that's why I called to make sure that was correct price and she's like oh well I don't know what happened at the numbers change y'all know exactly what happened y'all are some rip off y'all are some real people and I'm very unhappy with you

It ll started out good. Then when I lost my second job I fell behind on payments and Affirm sent my account to collections, which I AM PAYING ON.

However I asked Affirm for forgivness and to "Pay for Delete", like every other human based company.

The basically said "F@#$ You" and we refuse to take it off as it is illegal.

For more than 6 agents on the phone in one call, every one quoted law a it is illegal.

It isn't illegal in fact if you read the FCRA it specifically calls out "Pay for Delete".

So the company flat out lies to you and refuses any leeway at all. Loosing my second job was bad enough. Now dealing with a HEARTLESS COMPANY only makes it worse and I'm sure my $1,000 debt that is being paid off, is going to ruin my chances at buysing ahouse for my family.

For 1 single collections, that's being paid and AFFIRM ensures doing business with them will cost me for at least 7 years.

STAY AWAY FROM AFFIRM!

Please don’t use affirm. I had my first purchase that didn’t go well and affirm basically will ignore all evidence you submit to support what happened and will stand firm with the merchant. I explained in detail the check out process near mlk day sale. And after I reached out to the merchant about my order. I thought I was buying a bed. And when it came it was just a base. I showed what I had in my cart. The text messages I received about the item in my cart. Emails with the exact same name of the item thst said it had a 120 day trial. The evidence I sent them says all this. I told them the whole check out process on thst day. Then I told them how the check out process changed because I back tracked after getting the base to see how this could happen. I let them know on the 3rd thst they had sheets that came with it. Because it was a different sale/promotion running. They again chose to ignore that. I been with affirm since they were new. Not 1 issue ever with a purchase. They just disregarded everything and went with the merchant what ever they said was fact. Written in stone. They wrote to the CFPB that I was a liar. Because they literally said thst I took the mattress out of the cart and ordered a base. So that would 100% make me a liar. The customer service is horrible. And they really expect me to be unhappy with everything and just accept it and pay for it which I refuse to do. Im not paying for something I do not want. They know Im unhappy I complained to every agency. But the crazy thing about this situation is I don’t have a track record of lying and trying to get over. Guess who does the merchant. Long track record of false advertising,lying,cheating,scamming. I saw back from 2017- current many things from cheating employees. Cheating on import export. And was in trouble with the trade commission, all types of violations and litigation. And had over 80 complaints this yr. Because they literally said parent company is bbb certified. So affirm would be just as bad. Especially when they can see with there own eyes false advertising and them putting saying in fine print that particular iteam cant be returned or exchanged when they are advertising it on the website,through text,through email. It went from being called the best deal on the web. To just a base after I received it and that what the terms say no adjustable bases can be returned. After saying it comes with a 120 trial. And affirm sees all this and purposely ignored it and mentioned what the merchant said. I know Im not the only 1 this happened to. It’s impossible because the advertising is very confusing. It shows pictures of a bed. And what you would think a bed is. It has a mattress. The only explanation that would make any sense is the story I told. That when you select the item it says pick your mattress it’s described as a bundle deal. The best deal on the web and when I selected my mattress it sent the flex bed to my cart. I left it in the cart for a few days and I got emails and texts about the item in my cart saying it had a trial so I had no reason to be suspicious. Everything changed when I got the box and it was 1 thing a base. Why would I be making a big deal over something o knowingly removed out of the cart. To play stupid risk about $800. It doesn’t even make sense. What’s my angle what would be the upside to this. And why not do this in the past with other orders. I never returned anything that I used affirm for. All the evidence of lying and being deceptive with false advertising is on the merchant jacket not mines. So this is unacceptable. Use your credit card or something because you have zero protections at all and affirm will do anything to not side with you even if it’s right in there face. Im totally confused how I would remove something from my cart. Then put up a big stink about it after I received it. I would know a mattress wasn’t included because I removed it. Why would I contact the merchant within minutes after getting it and refuse to open it a keep asking to send a unopened box that I do not want back. It makes absolutely zero sense how somebody can type that when none of the actions line up with it. If that was the case it would be opened and I would probably be asking for a free mattress to get over but Im not. So whoever wrote that has to lack the most basic of common sense. Noting lines up at all of that happing. Maybe they believe ppl are slow like very slow. Child like to believe that.

I have had multiple loans, and even paid off a few early. I currently have 2 loans, but nothing outrageous. I have not been late one time on any of my payments, yet now Affirm says I have no purchasing power thru them. It was nice while it lasted, but once I get my last loans with Affirm paid off, I will be using another service for payment loans.

The Affirm credit card operates differently from a standard credit card as it requires approval for each purchase and mandates an initial payment before approval. This was not the experience I anticipated when applying for the card, as I assumed it would operate similarly to a traditional credit card. The process of seeking approval and making upfront payments for every purchase can be inconvenient, particularly in urgent situations where immediate funds are not accessible. Furthermore, handling multiple payments throughout the month can pose challenges. My intention is to settle the $400 balance by April and subsequently close my Affirm credit card account.

I have made multiple attempts to resolve an issue regarding one of my orders, and the experience has been extremely disappointing. I have called several times, repeatedly requested the customer support email, and have sent five separate emails regarding the same issue without receiving a meaningful resolution.

The overall level of service has been very poor. When I am finally able to reach someone by phone, the customer support representatives show little to no urgency or willingness to assist in resolving the problem or even offer a reasonable solution.

It is frustrating and unacceptable to make this many attempts to address a simple issue without any real progress or accountability. I expected far better customer service and support from a company of this size.

Quick to take a payment or say you owe but not to help resolve..

They have no problem taking your money. I always paid on time with them and suddenly I can not use shop pay through them anymore because they claimed I have bankruptcy on my account which is false because I have never filed that. They would not give me the information of the attorney that supposedly did this filing I’m unaware of. I called equifax to get my credit report and told them of the situation and they had no record of bankruptcy which I already knew they wouldn’t because I never filed for that. So they are sending me a credit report to send to affirm to show there is no bankruptcy under my name. Affirm also refuses to dispute this even though I told them the report they got is false.

I don't get this service. They say you have X dollars in "purchasing power" then when you go to request a payment plan they want you to pay almost half upfront. For example if they say your purchasing power is $290 and you spend close to that on a purchase when you go to request a payment plan they charge you $140. up front. How is that $290. in "purchasing power?" RIDICULOUS!!

Since I can't respond to the Affirm post, I'll update here. I was approved for $290.00 in purchase power. I was required to pay $140.00 upfront. That's not utilizing my $290.00 purchase power...IT'S SIMPLE. If you ask me this is a bait and switch ploy. If someone is approved for a certain amount then they should be able to use that amount...PERIOD!!!!

This place is the biggest piece of s*** place I've ever dealt with I had to close the bank account so I updated my new bank account information for them to take the payment out they did not take the payment out but they have spent the past 2 months harassing me because I owe them like $24 I've asked them three times to take the payment out I finally cussed them out today and told them that if they did not take the last payment out and they bothered me again I was going to sue them there are f****** piece of crap

I decided to contact their support via chat regarding a few accounts for which I had an outstanding balance that I brought up to date. I wanted to know when they would report to the credit bureaus that the accounts were in good standing. It seemed like no one understood what I was asking (despite being very clear) and I was transferred three times to different supervisors before I finally decided to end the chat because it was clearly getting no where. I would rate the support 0 stars. It was very frustrating, and I hope they do report the correct information to the credit bureaus.

WHOA awful company terrible terrible these people use any means to deny people car repairs shops are getting rid of affirm pamphlets and info because affirm denies retired people whonhave retired income and thier scores affected of course everybody has the same thing but affirm is disgusting staff who are rude and very nasty behavior towards us all shut them out of business