When I signed in to my Affirm account, I saw that the one I have recently been paying doesn't show the actual merchant's name. It was a generic name "Affirm Virtual Card retailer". So I called affirm to find out the exact merchant name and when they couldn't tell me, I said it must be a fraudulent charge. They said they will investigate. The next day I got an email from them saying that since the charge was associated with my account, then I am responsible for it. I called my credit card company whose card was being charged by Affirm and filed a dispute. Hopefully at least my credit card company will not make me responsible for the charge which is clearly fraudulent. I wouldn't recommend using this company for your installment payments.

Affirm is criminal. This company allowed someone else to use my daughter's account and they didn't investigate, they tried to hold her responsible. They refused to close or freeze the account as well, making it possible for further fraudulent transactions. This is the absolute worst financial institution I've ever encountered.

i purchased 3 items in swim outlet and affirm had this functionality of paying it 4x. I personally paid it in 1 time for the total amount. they way Affirm do their business, if you returned an item they will NOT REFUND back to your account. they will deduct the refund amount back to your original amount. they are NOT CLEAR their rules

Totally messed up my travel payment and blamed everyone else, and did nothing/offered nothing to help. Their solution? Cancel everything. When I am only a few weeks away from the trip? That makes no sense.

Bought pair of $300 Sunglass’s from an approved Vendor and They Nvr showed up! Email says they were delivered but the $300 Glasses were sent w no sig req. after 1.5 hrs on hold Vendor says sometimes USPS marks a pkg as delivered but may not deliver for upto a couple days, Been a week now and I can’t get touch w the Vendor.. So I called Affirm and they said 60-90 days for a Resolution! Garbage Company , DON’T DO BUISS. W THEM ,They Treat customers like Crap and Protect the scammer Vendors.

This has got to be the worst place I ever seen the amount is always function so it can go down it can go up this is not a stock market or a crypto this is by now pay later Yahoo are a bunch of crooks and need to be shut down immediately you will be reported

I was being charged $104 for the initial loan payment on a trip that was canceled through Expedia. I canceled my Expedia trip less than 3 hours after booking and received confirmation emails from Expedia for ALL trip-related cancellations. Apparently, Expedia does NOT communicate this readily enough to Affirm, so Affirm still sends a charge for the $104 up front payment. I went through their website to dispute the charge. VERY inconvenient process, which resulted the website returning an error. After resubmitting again, the dispute went through. They still say I'm liable for $3 which is bull**** since they loaned NOTHING. I will NEVER again book through Expedia or use Affirm.

So I've been using Affirm now for a few years without any issues. Usually Ill use it for smaller purchases ($500 or less) instead of putting the cash out, however I did make a $2800 purchase using them and it was great, no issues.. making payments was easy thru the app and they gave me a credit line $11000 then increased it to a little over $20,000. I have ZERO late payments and I currently have a balance of $160. I just went to buy something and was denied due to poor credit and payment history with THEM.... You've got to be kidding me? Good luck talking to a person cause all they have is AI nonsense. I finally got a person on the phone, they have no friggin clue whats going on there and to be perfectly honest.. it sounds like it might be a scam now. The reason they gave me was because I have a payment pending (that was made over a week ago, supposedly it hasn't cleared yet)... however I still have a credit line in the tens of thousands of dollars... and they are telling me sorry, cant buy anything until the payment clears. No thank you, I'm all set i told her, I said ill pay the balance as soon as I hang up and then cancel this bullshit scam of a company. I just started reading other reviews and apparently this is a daily occurrence with them... denying customers with great credit and great payment history, Im all set with this . You've been warned, read the reviews ... this place caters to people with trashed credit cause they get to absolutely rob you with ridiculous criminal like finance rates, they dont make shit off good credit. I should really thank them.... for getting me to open my eyes!!!! Closing account in 3....2....1....

I had one of the most frustrating experiences with this service. I was charged $1,999.93 for a flight, but the purchase was canceled immediately afterward. The root cause was a technical issue on their side my date of birth was missing in their system, even though the website does not allow you to proceed without entering it.
I spent three hours with customer service, was transferred to a manager, and even provided my driver’s license, yet nothing was resolved. I urgently needed the ticket, but they ignored my situation and simply told me to wait 3–10 business days for a refund.
This level of service is unacceptable. Users deserve a reliable system and responsive support.

What a ride, I have been with them near a year now and its been a lot of up but when they want to hit you down, they mean it. I started out with a 3500$ purchasing power, which in the first month dropped to 200$ for reasons they could only say "they change it based on many factors" and the only thing I had was an AC. Since then the same thing has happened, and whats worse is the emails telling you you have more purchasing power than you actually have. Most recently, all of my purchasing power vanished and when I inquired their great support (sarcasm) was so hopeful that they could not tell me why and the website said come back in two weeks and even still I was receiving emails stating I had purchasing power. They may not be bad for one or two purchases for Pay Over Time, but they are far from consistent.

Reply to Affirm: Interest rate is always the same unless you chose a different length of the loan, and I used the virtual card as your wonderful system would reject my info if I entered it at different stores, to which was on Amazon, Home Depot and Walmart. Thank you for the reply that is not relevant to my review.

Crap on affirm. I ordered a leather jacket from James leather for 300. Got the jacket and it was some kind of plastic. Reached out to affirm. I returned the fake leather jacket. James leather said no refund because fake leather jacket was on sale. A damn lie. Affirm sides with James leather. I’m out 300 so. SCREW AFFIRM. NEVER USE THEM AGAIN

I have a company that I constantly buy shirts from. I made a purchase, $45, and always paid in full. My order came back with my purchase to make 2 payments, equaling what my one payment to the shirt company would have been.
The company I buy shirts from said they had no idea who this company was who stepped in to my order. Now I have 2 payments of $22.50 to make to Affirm.
I made those 2 payments.
From now on when I buy my shirts I calling the company I buy from and make the purchase. Affirm sucks to no end.

Unresponsive CS. The worst payment via web of any company. Way too many ads just trying to make a payment.

Unresponsive , unempowered customer service. A bit of an oxymoron...as there is no service.

Charged me for a bad product . Attempted to resolve with vendor. Vendor disappeared and Affirm charged me fully and denied my disputes.

Use other firms like Klarna that care about the vendors they work with.

What started out as a great thing turned fast. I was penalized for paying my bill ahead of schedule, my account was in good standing last time I used their services, Now when I attempt to use them to make payments for an more costly item i’m getting denied. Me being ahead of schedule with payments is a bad thing?

Worse customer service I've ever seen , will never use them again . I got transferred 4 times to a so called specialist, then she says she unable to help me and ended the call .

Affirm has removed nearly 1,000 from my bank account for fraudulent charged to uber /uber eats.a fraudulent contract I did not approve .Apple pay confirmed my account was NOT used .Uber confirmed my phone number was not used.Hundreds was charged to my account while I was at an event in the woods with limited cell service have photos/witnessed.Who orders hundreds in food in a different state???I am vegan .I am a 100% disabled veteran/firemedic who now has NO money for food, gas , my morgage etc...I have been up all night for two nights filling federal complaints, complaints with Visa, BBB, uber.A phone was attached to my account from a different State . I just spoke to Affirm again. They do not care. They want to keep taking money out of my account. They don't care if I live or die they don't care what happens to me. They don't care this was fraud. They don't care. I was a victim of a major crime before and a protection program I've written their CEO they don't care about me at all . They want to ruin my credit. They wanna ruin my life. They don't care about anybody but themselves that's all they care about. I wrote their ceo he didn't respond. He doesn't care anything about his customers. He cares about being rich. I don't know how much money he needs. He just wants the blood of his customers on his hands.

in the past, I highly recommended this company to many people they used to really care but now it seems all they care about is lining their pockets with money. They don't care about their customers that their victims of fraud if they can eat or not, they should've noticed this was Fraud. Any banquet would've noticed. Complaints have been filed with the federal government with Visa with the Better Business Bureau with Uber. I've had to change all my IDs emails. I already had flags on my credit bureau reports now I have to go change my bank account way to go Affirm you should be real proud that I can't buy any food. Any gas it's 20° and my doctor says if I continue at this rate I could actually die but do you care? No, you do not care even though I paid all my loans well in advance ahead of time and paid extra money you have gotten greedy and just care about lining your pockets I've written your CEO your corporate people they haven't responded eventually karma will come bite you because when you treat people like this, it will come get you. You'll probably get to destroy my credit, etc.. I will be writing all credit bureaus to tell them what happened to me. I have police report so I'm gonna contact the FBI as well. You should look in the mirror. I would hope that people don't treat you as badly as you have treated me, have a blessed day. Excuse any errors I have had no sleep in two days because of this fraud.

THE ABSOLUTELY WORST! PLEASE TAKE HEED TO THIS WARNING. DO NOT USE THIS SERVICE. JUST TAKE A LOOK AT THESE REVIEWS. THAT'LL TELL YOU ALL YOU NEED TO KNOW. NO DISPUTES WITH VENDORS WILL BE TAKEN SERIOUS. THEY ARE IN CAHOOTS WITH VENDORS TO TAKE YOUR MONEY NO MATTER IF YOU CANCELED AT A REASONABLE TIME. ORDER SHOWS UP DAMAGE. RECEIVED WRONG ORDER. OR ALL OF THE ABOVE! YOU CAN PROVIDE ALL THE EVIDENCE YOU WANT. VERY CLEAR, TIMELY, COMPREHENSIVE EVIDENCE AND THESE THIEVES WILL STILL SIDE WITH THE VENDORS. YOU THINK THIS REVIEW IS FROM ONE SINGLE INDIVIDUAL WHO'S UPSET BECAUSE THINGS DIDN'T GO HIS WAY?? JUST USE COMMON SENSE AND LOOK AT THEIR RATING. TRASH!

Ive been trying to raise a dispute about an item I've not received the site just shuts me down when I put in a complaint

Had a few thousand in purchase power for the past couple of years. I have had an impeccable payment history with them and every single creditor I have had. I am NEVER ever late with any creditor no matter who it is...I always pay on time and even early. All of a sudden I went into the app to pay like I do every single Friday and I noticed have zero purchase power. My credit score has not gone down, it has in fact gone up since I started using Affirm in 2023/2024. My yearly wage earnings have also increased.... I have ALWAYS paid early and on time. Everything positive with everyone. Now I am punished and have no purchase power. I was told "I'm so sorry for the inconvenience caused but we have to proceeds with the decisions.". Bad decisions made on a faithful customer for the past few years with a perfect payment record. I will be finishing paying off what I have and never using this junk company again. Absolutely reprehensible to treat a faithful customer like trash. As I told your representative, it wasn't a purchase that got denied. I wasn't even trying to purchase anything, but all of a sudden, my purchase power went to zero from a good few thousand. I will not be trying again.