Affirm

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Affirm

Overall Rating

1.4

53 Customer Reviews

Summary

Affirm provides point-of-sale financing options with APRs that range from 0% to 30% and have a repayment period of 3 to 12 months.

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Customer Reviews

1.4 Stars out of 53 Reviews
5 Star:9% 4 Star:0% 3 Star:0% 2 Star:3% 1 Star:86%
9% Recommend This Company
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Posted on Oct 23, 2019

Do not use

By James S., New Hampshire, Verified Reviewer

Do not use. A bunch of crooks. I financed a purchase from iBUYPOWER through Affirm. Never received the product, filed with both Affirm and iBUYPOWER as well as local police dept. iBUYPOWER says it's FedEx and Affirm's problem. Affirm says I still have to pay $1300 and that it's FedEx problem. And FedEx doesn't care. Meanwhile, local police are still investigating and Affirm just cares about money rather than standing behind their customers to make sure the merchant gets the product to the customer!

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

Helpful Review? 4 People Have Voted

Posted on Oct 1, 2019

Worst checkout ever

By Lee H., Austin, TX, Verified Reviewer

Tried to buy OnePlus 7. At the checkout kept denying with the message "please unblock your credit and try again after 48 hours". I checked with all three credit bureaus and my credit has not being blocked ever. I have excellent credit.

I contacted Affirm support, no response what so ever for two weeks. OnePlus responded immediately. I told them about my horrible experience with Affirm. They were very disappointed, their customers being treated and turned away by Affirm. They provided me with alternative financing.

I hope all others stop using shady businesses like Affirm.

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

Helpful Review? 3 People Have Voted

Posted on Sep 13, 2019

HORRIBLE

By Mark J., Georgia, Verified Reviewer

Horrible customer service, gave me a 30 days late on a payment in error and told me there wasn't anything they can do to fix it. Reported it to the Experian also! Say away from this company.

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

Helpful Review? 2 People Have Voted

Posted on Sep 10, 2019

Terrible

By Clive K., New York City, NY, Verified Reviewer

Got approved, then declined, then approved, then declined all because their system is screwed up. I'm not going to use them. No need for all that aggravation ruining a good credit score.

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

Helpful Review? 2 People Have Voted

Posted on Sep 3, 2019

Horrible even when canceled within 24 hours!

By Rosalyn V., Cooper City, FL, Verified Reviewer

Do not use this as a payment option. I canceled within 23 hours on Priceline and was still charged $60 with Affirm for NOTHING! Do yourself a favor and never use this option, I wish I made the same choice!

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

Helpful Review? 4 People Have Voted

Posted on Aug 21, 2019

Affirm online scam

By Paul W., Al, 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

Helpful Review? 5 People Have Voted

Posted on Aug 13, 2019

Bait and switch scam: Affirm

By Renee H., Michigan, 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

Helpful Review? 3 People Have Voted

Posted on Aug 8, 2019

Do not get a loan from Affirm

By Jim S., Idaho, 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

Helpful Review? 5 People Have Voted

Posted on Jul 17, 2019

Scam company who cares about reviews and not customers

By Sierra W., New Jersey, 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

Helpful Review? 4 People Have Voted

Posted on Jun 20, 2019

Horrible experience

By Joe E., Pennsylvania, 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

Helpful Review? 7 People Have Voted

Posted on May 19, 2019

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

By Kim W., Atlanta, GA, 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

Helpful Review? 6 People Have Voted
Showing 12-22 of 53

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