Affirm

It's so simple. You can create your own loan and use it wherever, or you can pick a store. Once you get approved, you can pick your own payment plan. If you want a lower monthly payment, then you will pay more in interest over time. You will always however, have the option of paying it off which will save you on interest. The more loans you have out, the lower each new request will be. I've used affirm a lot while rebuilding my credit. Anyone who says it's a scam, just doesn't understand what they're doing.

Placed an order and returned it 2 weeks ago. Contacted Affirm via email who told me to contact the merchant. Contacted the merchant who told me affirm shouldn't have told me to contact them because the returns are immediate on their end. Then call affirms 855 number only to be disconnected after a recording tells me that if my money hasn't been returned in 45 days to reach a back out but continue making my payments in the meantime. Seriously? I have to continue to pay for something I returned to the store, cannot use and no longer have access too and then wait for 45 to try to reach a human being? This isn't free money. This is my money and I'm paying for something I returned and you can't even hire custom support reps to assist your customers? Never again will I ever use Affirm. It's a freaking nightmare.

I had fraudulent activity done on my account and contacted affirm several times over a month, talked to 20 different reps/supervisors to get this removed and resolved and Affirm still sided with the merchant stating that I had to pay affirm for a loan I never authorized payment for. Once I received the resolution I contacted affirm again stating I never made a reservation with this merchant and the activity was fraudulent they told me I shouldn't have disputed the charge but I should have contacted their securities team. THERE IS NO NUMBER FOR THE SECURITIES TEAM ANYWHERE ON THE SITE. So I didn't know there was another Avenue to take but neither did the 20 different representatives. Needless to say they are still actively looking into my case but won't close the loan even though there has been fraudulent activity reported…that compromises me, my information and well being! I will be reporting this!

I had been approved for a boat cover for $300 and payed off on time, and with 740 credit rating Affirm won't approve for next loan. Wanted a $600 tv from Walmart and they turned me down. And make me feel like bad credit risk.

I previously wrote about Affirm, the financing company that uses Crossroads Bank for their financing. Affirm falsley advertised in the begining to get people in and said they don't check creit scores. Then they got this bank, Crossroads to do their dirty work and the do a "soft" credit check. I've been doing business with ReaReal, the consignment clothing site for two years. I have never been late and have paid my loans early. I got into an altercation with Affirm when they turned me down for no reason. I fought with them for treating a good customer like trash because they are too lazy to handle their own accounts and have a bank, that I have read has gotten into hot water for doing bad business, do their financial accounts now. All of a sudden they gave me a site credit and I bought a few things, just paid off a few and wanted one item for an event I have to attend. I got turned down because they said their "points system" with Transunion said I had delinquent accounts. I have one and the credit card doubled my bill and I can't get them to look into it so I won't pay it until they do. I have other credit accounts all paid to date. DO NOT deal with Affirm. They are sneaky, get people hooked on nice things they normally can't afford even with a regular credit card unless it has a high limit, and then they comb thru your personal records and send you a nice message on Affirm that you don't meet their standards. Affirm is a scam that as I said before has admitted to using algorithims as well to deny people. They don't want to do the work. Steer Clear of them. Unless you're a trust fund baby or white collar worker with a fat bank account backing up, they don't want to know you.

I booked 2 hotels for the same weekend through Travelocity, but canceled one immediately after. I then called Affirm to make sure Affirm knew it was canceled. I was still charged and told to pay regardless. This was April. Every few weeks, I called to check the status of the cancelation because I was still being billed. They told me until Travelocity refunds them, there was nothing they could do. Then a manager gets on the phone and stays on over an hour while we were on 3way with Travelocity. I was asked to show proof of the refund. Travelocity then told me they would get back with me because they could not find the refund to Affirm.
I went ahead and paid it because I was threatened for it to be reported to my credit bureau. I was told once I sent the proof of the refund, I would get my money back. Travelocity didn't get back with me so I followed up again in September. They then emailed me what Affirm needed. Proof of the refund and the last 4 digits of the card it went on. I SENT WHAT THEY ASKED FOR. Now Im going into October and theyre still saying there is no receipt of refund and not even A NOTE ON MY ACCOUNT ABOUT IT. Affirm is STILL saying they fight get a refund and to contact Travelocity. Ive called them over and over again and I keep being told Affirm got their money back... but now Affirm won't give me my money back. I just got off the phone with a supervisor and she basically told me Im out of luck because they have no record of Travelocity refunding them. I paid them $300... and I guess I gotta just chuck it up as a loss... DO NOT USE AFFIRM. They are TERRIBLE.

Its not bad if you need something and cant get a credit card or loan. But Affirm inconsistenta. One day your approved. Tomorrow your not. Even though your credit improved. Its not reliable. I was approved for a $400 t. V. from swellmart. After reading the reviews of the t. V. I decided. I wanted a different. So I cancelled the order. After it was reported to affirm the order was cancelled. I applied for the one I wanted. The same price range. But was declined. I now have to loans through them. IM half way paid off on both and wanted to see what I qualify for, I was declined for any amount, yet my credit score went up almost a 100 points since I got my first approval. LIke I said, you can rely on them. If your get approve that moment. Dont think you can come back a week later and get it. You most certainly wont.

I've used affirm for almost 10 years, And they've never failed me. I've made extra payments to them and my Purchasing level has gone up. Send automatic payments and Affirm will always approve you. So don't believe all the negative reviews. If you make good payments and one time they will approve you for more.

I'm very disappointed in this company! I returned an item, but I still have to make payments. Affirm won't even put it in dispute mode to temporarily stop the payments. It's been over a month and they won't even start the dispute process! Stay as far away as possible from this company! The customer service is AWFUL.

I really think Affirm need to do away with a firm. This company is always declining me talking about my Fico score, yet they say they do not check your credit! That is the purpose of these payment installment like afterpay, klarna etc. This company falls in the same line with them! Please do away with this company!

Affirm is actually Celtic bank, according to the FDIC. You will find out the hard way, if you make a return or if you get ripped off, Affirm will not have your back and you will end up paying on a product you didn't receive or that you returned. Even if you do get a refund, it will be minus the interest and fees, which are significant. We purchased an airline ticket from Justfly (never use that company either), and cancelled it. Justfly charged me $75 to cancel the flight, so one would assume it was cancelled. NOT. Affirm took the cancellation money, then they went ahead and processed the Affirm "loan" several days later. We have proof it was cancelled prior to the loan being finalized, we have proof they took a cancellation fee. Affirm literally processed a loan for a cancelled reservation, which is probably illegal, and refuses to reverse it. Of course, these criminals own the politicians that keep them out of jail, where they clearly belong. I have uploaded their response to the proof I sent them. Also, keep in mind that arbitration agreements do not prevent you from suing them in small claims court, where I will also get my court costs reimbursed.

Idk how there are so many negative reviews but to each his own. I have taken out about 7 loans some that I paid off within the first month, others I have went the duration of the term. The loans really helped my credit history out as well as proved that I have a substantial amount of income to not miss a payment on all of my obligations. Long story short affirm helped me out big time by getting me over the hump and I have a beautiful 2019 AMG Mercedes sitting in my drive way that I just purchased in February 2021 with a great APR as well. If you treat affirm like a credit card and use it wisely it can help big time

Affirm will charge you high interest rate and will not accept credit card payments. They will not disclose that they only accept Debit cards on the initial application. There is a tiny fine print that no one can see.
Also forget trying to reach them on the phone or the website. It took me 10 days with each holding time exceeding 4 hours till I hang up. Find another way to finance.

The biggest scam company I've ever encountered in my life. Affirm have an infinite amount of energy to just rip you off and lie about doing that. Just check the BBB rating. It isn't even a 2! Avoid these guys at all costs.

Firstly, "customer service" is questionable at best. I called today and could hear the representative on the line because of background noise. I said hello several times and Affirm never responded. I called back and closed my account. I swear the whole experience felt shady! They don't keep facts straight and there are way too many better options out there!

I set up a vacation package with Priceline to LA. I used and was approved for the loan through Affirm. The order went through and was completed on 10/21. On 10/22 i called customer service to confirmed everything went through since I didnt receive an email confirmation. The phone rep stated everything was good and I dont need to do anything else now. I should receive an email in 24hrs. I called back on 10/23 and spoke with another rep who stated that there must have been a glitch in the system and Priceline did not receive the order for my Hotal and air plane tickets. The rep tells me that I need to do the oprder over again. Once im online to place the order, now the flight is $238 more than it was 2 days ago. I spoke with two supervisors that claims there is nothing Affirm can do and they will not pay the difference since their system messed up and the phone rep gave me wrong information.

***DO NOT USE AFFIRM. THEIR SYSTEM IS SCREWED UP AND CUSTOMER SERVICE AND MANAGEMENT IS NO HELP*****

AWFUL! AVOID! LIARS AND BULLIES! I called a week before my bill was due as I was a bit short from Christmas. The female reassured me I had 30 days to pay after the due date. I was even told I could change my due date to the 31st. BUT on the 13th Affirm overdrew my account by $95. Then they claimed the lady I spoke to a week before my bill was due was wrong. They bullied and hassled me so much, I returned the product unused. They continued to bully me even after they acknowledged I had returned the product, threatening to hurt my credit score. I cancelled that credit card last month so they didn't have access to my finances. They claimed to refund me but they couldn't have as they didn't know a valid credit card for me. February one, I wrote them asking if they could send a check. No response yet. So I wrote them and let them know I was suing them if I didn't get a check Monday. Also I am a mental health client and have been under the care of a psychiatrist since I was 13. They are aware of this approximately three weeks ago. They don't care at all. AVOID AVOID AVOID UPDATE: I took pictures of my entire account from December 15,2017 through March 15,2018. They responded they wanted only a certain section. I sent that section to them. NOTHING! AVOID AVOID AVOID!

I am on my second loan with affirm. Affirm only do a soft pull on credit and give what I need without charging the interest rate of my credit card. I can pay it off at my convenience with no early payment penalties. I would definitely recommend to anyone.

I would highly recommend not using Affirm. I was never sent the item I purchased and that was in Dec I reached out to both parties to resolve it long story short Affirm will lead you on for months promising you a refund and will never give you your money back. I am now out of $222 and I have been in communication with them for six months and Affirm refuse to help in anyway. Scam! Please take my advice and use Klarna or Afterpay this company is horrible! I wish there was a zero star!

This company makes me sick to my stomach. Affirm are going under and they have the audacity of advertising 0% APR. To whom will they give the 0%? I cannot believe a better company hasn't crushed them. If you see Affirm as a payment option, think long and hard about the purchase you are about to make. If you still are getting the item DO NOT USE AFFIRM a high 19-22% APR card will save you money compared to Affirms 29%.