Review Time
Terrible customer service can not talk to live help only get ai that redirect you terrible email come back to call number just plain run around
Have tried customer care email and the 800 number just run around
This is not a scam. Despite people trying to say it is because a hold is put on their account due to an initial approval period. They may not like that, but it's pretty standard for such services.
However, though i have used Affirm a lot and appreciate their services.
I deduct 1 star because their "support" page and chat said i was able to use a visa or MC debit gift card to make a payment.
This however is incorrect information since both the app and their phone support will not accept a payment from a card unless it has you name and zip code attached.
Which is a bit rediculous. Since it is a prepaid gift card that is guaranteed to give them, up to its limits, the funds are there on the card. Plus the fact that their support gives misinformation saying you can use prepaid gift cards for payment.
Now i have to figure out how to use the funds some other wsy to get the payment made.
Waiting on a decision on item i bought never received scammer closed shopfiy store and ran . Just to let you know I will not be paying anything back ive opened case with banks charge back .
So don't even think ill be paying anything if you decide in scammer favour as thier is no tracking no nothing . Payment cards and direct debits cancelled . Dont even bother chasing me for it . And if you do ill be going though legal team to take you to court . This is a warning I've seen your feedback.
An update from my dispute after months of emails and calls to affirm with documentation as to why I shouldn’t have been charged sales tax on shoes. They didn’t rule in my favor becaue “lack of evidence”. Meanwhile, I sent emails directly from the NJ sales tax division. Avoid using Affin at all costs, they are the worst to deal with, even when presenting documents/evidence.
I bought a dress from Kay Unger. It was supposed to arrive on 11/21/25 for an event. It was not delivered until 11/24/25. I returned the dress to Kay Unger & I was told that I would receive a full refund. Affirm has been given the delivery confirmation & will still not refund my $$. It has been an absolute nightmare. They have reported this on my credit report as unpaid.
so i could not reach who i suspect is the scam company sellling defective products, when the item received, no packing slip, no return form, but i used affirm. when i tried to talk to affirm, i got transfer 4x. to a so called specilist, when i reached her, she said she was having technical difficulties and hung up on me. i will never use affirm again, ever !
I’m absolutely thrilled with this service. I can’t express enough positive things about it. It’s incredibly easy, convenient, and straightforward to use. You can pay off early without any penalties, and when you need something but can't pay upfront, this service supports you, allowing for quick repayment later.
I don't understand the negative feedback aimed at the service. If you pay your bills on time, you won't encounter any issues. I really value services like this one when financial help is required. They have been incredibly supportive. Thank you for being there when I needed assistance.
It's best to steer clear of this service. Their recent changes in how they report to credit bureaus can damage your credit score, even if you’ve always paid on time! Each purchase is reported as a separate loan, creating multiple new accounts that are opened and closed quickly. This reporting method negatively affects the credit scores of many individuals with good credit, making it advisable for everyone to avoid this service.
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