Affirm Personal Loans

They give you buying power. Don’t even think for one minute it’s a guarantee because you can get up to the register, the merchants can deny it and or require a down payment even on a small order and it’s ridiculous. This is not a real lending company and credit card. This is take advantage of consumers.

I purchased a bag from Louis Vuitton, but they canceled the order. Affirm took $ 4,500.00 from my account and said I did not have enough credit to pay for the bag. Affirm went into my bank account and took $4500.00, and Louis Vuitton said they canceled the order, so I should be refunded. It has been over thirty days, and I still have not been refunded. I contacted Affirm, and they keep giving me the run-around. I am out of $4500.00 now, and they are saying I need to file a dispute. Do not give this company your banking information; they will go into your account and steal your money and try not to give it back to you. This is unacceptable.

1 star only because 0 stars is not an option. My experience with Affirm’s dispute process was extremely disappointing. I used Affirm for a hotel booking through Booking.com and canceled the reservation almost immediately after realizing the property’s policies and listing information were misleading. Despite this, the property attempted to keep approximately 90% of the reservation value as a “cancellation fee.” I provided documentation showing the conflicting booking language and explained that the cancellation occurred within minutes, yet Affirm still sided with the merchant and claimed they could not assist because Booking.com was acting as an intermediary.

Their system doesn't make sense to me. Twice I have been charged in full for purchases that were supposed to be financed over time. Customer service agents are no less robotic than an any AI. Mistakes & financial hardship are not factored in to their procedures, yet I was ensured a solution to suit my needs. They claim the system has already generated the loan & its terms. How funny that I am easily able to refinance my home & property, but not an e-bike through Affirm. There should be some way edit systems, terms or both.

Ordered from Bugaboo for new donkey 6 and used Affirm, got email from Affirm saying that the order has been processed and nothing from Bugaboo. So called Bugaboo who then said they had not received money from Affirm, and order was cancelled, now Affirm are trying to say I still owe them for the product that had been cancelled and they cannot cancel the finance due to Bugaboo not sending Affirm the money back which Bugaboo claims not to have received. Back and forth on the phone and neither of them knows what is happening. All I know is don't use either of them and I won't be paying for a product I have not and never will receive.

Affirm is one of the Worst Customer Service I’ve dealt with! They do not help you with a return issue. They blame the merchant and say you have to contact them directly! When you contact them directly you get Zero response or some generic reply how they will get back in 48 hours! Not the case my friends! The last time I emailed Genie was March 27, 2026 and I’m still waiting! Filed 4 disputes with Affirm for Genie and all have come back in favor of Genie! I provided proof with my emails and downloaded in each dispute and they still came back in favor of Genie!

Very good, just have question why I was charged $65 dollars, when I said $5? How do I get this adjusted? My caller was very professional and patient with me. Explained to me the washer that I have.

I have been contacting Affirm since November 2025. Someone is using my information. I’ve called. Sent emails. No resolution. Today I called. They told me to create an account. I tried and now it’s a totally different email. I have sent screenshots and everything. Today I was on the phone for over an hour. I was transferred 8x and still no resolution. Told me to try and make an account again in 24 hours.

I am writing this review after exhausting every available channel with Affirm, including disputes, appeals, direct escalation to Customer Care, and public outreach. My issue arose from a purchase financed through Affirm where the merchant failed to meet paid, guaranteed delivery terms and refused cancellation before shipment. Despite extensive documentation, multiple disputes were denied based primarily on eventual delivery rather than the actual issue central to my dispute. Since then, the merchant has shut down entirely, leaving no practical avenue for refunds or returns.

Their site needs to be reexamined for security breaches. My phone service provider, MetroPCS contracted me with Affirm to finance my new cell phone last year which I fully paid off a few days ago. I filed disputes on their site for the over $2,000 worth of loans and for the unauthorized charges for Temu. They refuse to resolve my issue, so I am warning everyone to not use this service. You would be compromising your card information for hackers because Affirm failed to protect mine. Makes me wonder if they're the actual fraudsters since they adamantly refuse to resolve my issue and expect me to pay for Temu garbage that I never bought!

My friend bought a couple of things off Amazon. She had cancer and was having surgery to have implants put in and she needed my address cause she was gonna be out of town and didn't want her stuff stolen... so I gave her my address and she asked for my cell (I assumed for Amazon being we are both in our late 50s and early 60s) not knowing cell phone ordering stuff very well. We live 30 mins apart from each other and I just answered her questions. Lol... anyways it got charged to me... 238$ worth... so she called and talked to Amazon. Canceled it and reordered it and Amazon said I had to talk to Affirm.

I’ve been using Affirm for over 5 years and have spent at least $5,000 on purchases. I always set up automatic payments, and they’ve never had any issues collecting. My purchasing power has been around $3,500 for a long time. Right now, I only have a balance of about $1,300, and I should have enough purchasing power to buy a $1,200 laptop but is not the case.

If I could leave a zero I would! I've been using Affirm for over 6 years and was my favorite way to pay for things. But today I try to log in and they've added more security. Well my social security apparently doesn't match. That's funny since to get credit they need my ss# I owe them payments and I'm locked out of my account! Called customer service 3 times. Of course they're in the Philippines! But first you have to yell at the AI robot! I will never use affirm again! They can't even figure out how to sign me back into my account. Such bullshit

After 8 months with an account I can't use because they can't identify me after multiple times sending identification and giving the run around I pay every month early and they can't identify me after 8 months paying on my account. They can't verify my identity after dozens of calls to customer service same answer every time and still they can't verify my identity. It's a scam place. The worst customer service and nothing ever gets done.

They sent me this Affirm Card. I needed it tomorrow for a major car repair. Went to activate the card. I updated my phone a month ago. Gotta wait a week to use it. WTF. Don't Go with them. I don't use a Credit card unless I absolutely have to. What good is it if you can't use it? I guess I'll have to walk. I'm in poor health so if I need my care I'm screwed. I wouldn't recommend these people to my worst enemy. Definitely not Family.

I had a loan approved to purchase a refrigerator from AJ Madison. Refrigerator of this year. May 1 payment, received several emails regarding the status of the refrigerator delivery, waited, waited, waited, after four weeks I called AJ Madison, and canceled my order. I had only paid $123.80 In first payment. I told them I wanted a refund. They sent me an email stating that I did not owe anything and had a zero balance. Affirm is telling me that I owe AJ Madison $300 and I keep asking them for what? Do not use this company. They are very shady. I’m contacting my lawyer. I’ve been dealing with this bullshit for over three months now.

My account has somehow been compromised because I keep being referred to as Jeffrey in the emails I receive regarding my account being frozen after trying to log in when that definitely is not even close to my name, and the account has been locked for going on a couple years now, with no help whatsoever from multiple phone calls at various intervals. They keep telling me they can’t verify my identity because the name doesn’t match (since I don’t know the last name of this “Jeffrey”) even though my phone number and email and date of birth are correct. I’ve even expressed my account security concerns, and they still won’t even let me just close the account either.

Customer service will make you cry and regret for doing business with this company and the rates are way too high! They are useless, ruthless! The rates are too high! So no, stay away from Affirm!

My bills have always been paid on time (or quite often before they are due), but Affirm has had my payment "overdue" for weeks. No matter how many times I kept clicking to settle the entire payment, it still came out unpaid. Speaking to a representative was useless as well, so I ended up having to add a debit card to make full payment and avoid having my credit rating tainted by Affirm's INCOMPETENCE. One star would be too much to give for the shambolic experience, but it's required.

I’ve called about my account 4 times with no help or results. I’ve tried to change my name and dispute an application rejection with no help at all. All of my information except my first name is correct and I have multiple IDs and documents to prove, which I sent in upon request to do so. I just needed a loan for $2000 for school and was told I could go through Affirm to do so. My request was rejected because they couldn’t confirm my identity so I called, said I would get an email and that it would have more information and ways I could resolve this. Did not get an email. Called back and said the same thing along with maybe the reason why my application was denied in the first place. Told me I had to verify my identity and change my name to my first name (not nickname which I used). So I did that and waited.

I did not like Affirm. Me and my boyfriend has had a bad experience with affirm. They told us we had a certain amount of money to be able to use and make payments on, they changed the amount three times while in the store then popped up and said that they didn't give me or him the money and we couldn't use it. When we had called the person we had talked to that night was NOT helpful at all. They done the same thing with me as well. Said I had so much money I could use them. Tells me that I could not use any of it and goes back on what everything had said. We said we would not use or even tell our friends about affirm because of the experience we had with it and it was bull on everything they had said and the app had said. Got our hopes up on wanting to use something everyone has recommended about. Never again will try to use it and neither will my boyfriend.

Don't do business with Affirm. Their "customer service department" is comparable to spaghetti and their payment methods are garbage. They tell you one thing so you purchase, then tell you something else when your payment won't go through. All I got was "call a relative borrow it from them". No missed payments, two accounts with them. I'm aborting the accounts and will deal with the consequences, I will not give them ANY more of my money. I don't recommend using these criminals and wish someone told me to stay away too!

I have an open dispute for eBay 90.00. The dispute took too long to resolve. They are not making me pay for it and they are not responding to my emails. This is a bad company. And if they ruin my credit I will take legal action.

I find Affirm to be very deceptive, when I first started with Affirm it advertised it would have no impact on my credit, yesterday I received a notification from credit karma notifying me my credit score decreased by 7 points from signing up with Affirm, I was never late on any of my payments and I always paid before the due dates, customer service barely speaks English. I requested a supervisor who is very dismissive and defensive, I'm now going to have to file a dispute with the Better Business Bureau and banking regulators. Very disappointed.

My experience with Affirm regarding the ** account has been marred by their inaccurate and unlawful reporting practices. Despite the account being long since paid off, Affirm has unjustly labeled it as "charged off" and continues to claim a remaining balance of $127, which was actually returned due to a manufacturing defect in a small appliance.