Read 48 Affirm Customer Reviews and Complaints (Page 2)

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Average Customer Rating: 1.5
Rating Snapshot:
5 star: 5 4 star: 0 3 star: 0 2 star: 2 1 star:  41
Bottom Line: 10% would recommend it to a friend
Showing 12-22 of 48
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  • 5 out 6 people found this review helpful

    Affirm online scam

    • By Paul W.,
    • Al,
    • Aug 21, 2019
    • Verified Reviewer

    They claim to not do a credit check or hard inquiry but send out a notice that they reference that decision comes from Credit Bureau Experian. This scam on both together. People need to file more class actions against both parties.

    Bottom Line: No, I would not recommend this to a friend

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  • 3 out 4 people found this review helpful

    Bait and switch scam: Affirm

    • By Renee H.,
    • Michigan,
    • Aug 13, 2019
    • Verified Reviewer

    I have several "outstanding" purchases through Affirm and am completely agitated regarding the false agreement presented for the purchases. It's the old bait and switch trick in which the terms of agreement are falsely touted. Each purchase was supposed to be broken down into a certain dollar amount over several months. HA! What a load of crap!

    In fact, they withdrew the whole dollar amount of one purchase just today. I promptly shut my card down and requested a new one. It's surprising to me, however, because a few years back, I used the company to buy a pair of earrings for $1,200. Each transaction went smoothly and I never had an issue for installments withdrawn each month. Buyer beware is all I can think as the sirens go off in my head. Do yourself a favor, don't, just don't.

    Bottom Line: No, I would not recommend this to a friend

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  • 5 out 5 people found this review helpful

    Do not get a loan from Affirm

    • By Jim S.,
    • Idaho,
    • Aug 8, 2019
    • Verified Reviewer

    I purchased an item through a retailer and a loan from Affirm, I had to return the item and it was returned with no issues with a full refund from the retailer. I contacted Affirm to let them know about the return immediately after sending the item back in the mail. They still charged my credit after the return confirmation and refund from the seller, I called to find out the issue, they had refunded me an amount, MINUS THE INTEREST! Again, this is after the item was returned, approved with a full refund from the retailer. I called again, the agent said basically too bad, that is not our policy! TERRIBLE COMPANY, high interest rates, bad customer service, STAY AWAY! Get a loan from somewhere else!

    Bottom Line: No, I would not recommend this to a friend

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  • 4 out 4 people found this review helpful

    Scam company who cares about reviews and not customers

    • By Sierra W.,
    • New Jersey,
    • Jul 17, 2019
    • Verified Reviewer

    Didn’t even make it 2 seconds pass the application process. Was denied due to them being unable to verify my identity even though it’s the same information I’ve had for over 31 years. Wasn’t asked to send in documents such as ID, SS card, BC, POA. Absolutely nothing! This company is a scam and they only care about reviews to lure other people in. They reported to TRUSTPILOT that my review was false. I have multiple emails that prove I corresponded with Affirm to resolve the issue and the only thing they did was copy and paste their responses over and over again. I’m going to continue to post my experience as this company is scamming people and looking at reviews so they can lure more people in.

    Bottom Line: No, I would not recommend this to a friend

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  • 7 out 7 people found this review helpful

    Horrible experience

    • By Joe E.,
    • Pennsylvania,
    • Jun 20, 2019
    • Verified Reviewer

    BUYERS BEWARE! Affirm COMPLETELY dropped the ball on a recent airline ticket I purchased! The only positive for them I can say is they actually admitted they were wrong (doubt the girl on the phone meant to), but even after that, refused to do anything to help me correct the situation, and in more professional words told me I'm on my own, and get lost. Definitely completely unsatisfied with my experience with this company, and I'm going to let it be known to as many people as I can.

    Bottom Line: No, I would not recommend this to a friend

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  • 6 out 7 people found this review helpful

    Not loyal to their customers who’ve paid off loans on time

    • By Kim W.,
    • Atlanta, GA,
    • May 19, 2019
    • Verified Reviewer

    I was recently declined for a small loan even after just paying off a large loan a few months ago. I thought by paying on time, never missing payments showed creditability to repaying a future loan. But nope, I was immediately declined. However, I keep receiving emails thanking me for being a valued customer including "offers" of supposed credit.

    Bottom Line: No, I would not recommend this to a friend

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  • 4 out 8 people found this review helpful

    Affirm

    • By Michael T.,
    • North Carolina,
    • May 3, 2019
    • Verified Reviewer

    I heard it was a good site to get approved for when you needed the money. I tried and I wasn't eligible right off the bat. I wouldn't recommend anyone if they're gonna act like this, and it didn't even say why I wasn't eligible.

    Bottom Line: No, I would not recommend this to a friend

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  • 1 out 3 people found this review helpful

    GREAT company!

    • By Marjorie C.,
    • Collinsville, IL,
    • Feb 27, 2019
    • Verified Reviewer

    I've had several loans through Affirm and I have never had a problem. I've had a couple of emergency home purchases that arose and going through this process was very fast and easy. I was able to see what I was approved for before the purchase. Once I "applied" for the card, it took only seconds to get a virtual card to complete the purchase. You know ALL fees and interest upfront before you accept.

    The repayment process was very easy through the app. You can even make more than the "agreed upon" payment or a payoff at any time through the app.

    I've never had the need to call into customer service since the process and payments are so easy through the app.

    Bottom Line: Yes, I would recommend this to a friend

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  • 14 out 14 people found this review helpful

    Extremely dishonest!

    • By Rozain C.,
    • Maryland,
    • Jan 22, 2019
    • Verified Reviewer

    On September 23, 2018 I booked a ticket to Tulsa, Oklahoma and then found that the trip should be put on hold. When trying to pay I was directed to Affirm and signed an agreement with them. The next day (September 24th) I called them and the Affirm rep, after a 10-minute call (according to my Sprint bill), said I did not have to pay because they will not pay Priceline. I had NO agreement with Priceline. Affirm later charged me with the account. I asked them for a copy of the call recorded on September 24th. They sent me an edited version of the call that was 4.06 minutes. They are dishonest as heck. If you get caught, collect your evidence and email them, so that you have proof.

    I disputed the debt. Now I cannot access any Affirm documents to even get the order number.

    Bottom Line: No, I would not recommend this to a friend

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  • 13 out 16 people found this review helpful

    Watch out!

    • By Wayne M.,
    • Oklahoma City, OK,
    • Jan 20, 2019
    • Verified Reviewer

    Affirm approved me for a second loan/card. I made the purchase online, went to the store the next day to pick it up, at which point the MERCHANT told me the card was declined. I purchased two scopes, one of which is for an air rifle I bought through PYRAMYD AIR, who sells air guns and scopes...who is partnered with Affirm, who financed it.

    AFTER arguing with the most product illiterate people on the planet, and getting nowhere, I finally gave up and paid cash at the register. I then logged into my account later that day to see the loan still processing. I called to find out why, I was told that until the merchant reverses the charge, they will not close the card/loan. Now keep in mind, Affirm DECLINED THE CHARGE. Now they refuse to close the account unless they get the money back that they never paid from the retailer, on a charge THEY declined, of which I had to pay cash for, BECAUSE they felt MY purchase violates their "moral" policy, of the same item that is sold by one of their other "contracted" merchants, PYRAMYD AIR. Oh yea, Affirm even had the disgusting nerve to ask me where is the loan money then, and how are they supposed to get it back. Are these idiots for REAL?!

    Bottom Line: No, I would not recommend this to a friend

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  • 11 out 12 people found this review helpful

    Very disappointed

    I have been a customer for over just a year, I have always paid on time or ahead, and always more than the minimum payment. I have paid off over 7 loans. When I started, I had a credit line of $1800.00, now as I pay as agreed they have reduced my credit line to just $150.00 over my current balance. When you contact them you can't get an answer. I always thought paying as agreed was what a lender wanted and rewarded you with higher credit lines, instead, my good payment record has resulted in reduced credit. And I have paid all my other creditors on time during this time...

    Bottom Line: No, I would not recommend this to a friend

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Showing 12-22 of 48

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