Used Affirm for $1600 loan, it’s been two months and still have not received my item. Called merchant to cancel, merchant wants me to email a copy of photo ID and agree to pay over $1000 for a "restocking fee" for an item I have never received because their delivery company is all "full" for this month (the second month of waiting). Affirm sides with merchant, wants me to keep paying on loan? Merchant simply emailed Affirm and blamed me for item not being delivered without ANY proof of their allegations while I sent in recorded phones showing it was them that couldn’t deliver, no delivery dates available! Absolute joke, don’t know how this company is making any money. Merchants know Affirm will not refund without their "permission" leaving consumers at risk of fraud AND these people will report to credit agencies and ruin your credit if you don’t pay for loans on items you get scammed on!
Bottom Line: No, I would not recommend this to a friend
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