An Honest Review
After using Affirm for a while, the pros are definitely nice—the flexibility to pay via ACH, debit, or credit card on 0% interest plans, alongside an intuitive app and website UI. However, the cons match those pros pretty evenly.
The main issues are an inconsistent payment processing system (whether using autopay or making manual payments) and a customer support team that regularly offers surface-level answers that contradict their own written terms and policy. As others have pointed out, if you run into a system error that requires IT intervention, don't expect much help from front-line support—they simply aren't equipped to handle technical issues, and your best bet is requesting a supervisor immediately. If the supervisor can't bypass the system issue, they generally won't offer alternative solutions.
As much as I appreciate the flexibility, the customer service experience really drags the platform down. I don't expect every tech system to be perfect, but when unexplainable errors happen that aren't on my bank's end, I expect the platform to take ownership. Their lack of attention to recurring backend issues and refusal to escalate cases leaves a lot to be desired, and it makes me seriously rethink Affirm's long-term reliability. You win some, you lose some.
The main issues are an inconsistent payment processing system (whether using autopay or making manual payments) and a customer support team that regularly offers surface-level answers that contradict their own written terms and policy. As others have pointed out, if you run into a system error that requires IT intervention, don't expect much help from front-line support—they simply aren't equipped to handle technical issues, and your best bet is requesting a supervisor immediately. If the supervisor can't bypass the system issue, they generally won't offer alternative solutions.
As much as I appreciate the flexibility, the customer service experience really drags the platform down. I don't expect every tech system to be perfect, but when unexplainable errors happen that aren't on my bank's end, I expect the platform to take ownership. Their lack of attention to recurring backend issues and refusal to escalate cases leaves a lot to be desired, and it makes me seriously rethink Affirm's long-term reliability. You win some, you lose some.
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Supports Fraud
Worst credit institution I’ve ever done business with
Great app
I have used this app once before for a purchase for my son. The payment plan was reasonable and was easy to pay on. The interface on the app is incredibly simple to navigate from and I love the ease of the app. My recent purchase was pretty simple as well. Only issue is the tax on the item online was higher than I had tried to use for the “purchase power” on app but it altered the price so I didn’t have to tell seller that I couldn’t get cause I didn’t ask to utilize more of the balance I had. So overall I’m happy with app…except one drawback so far. The interest is incredibly high. Higher than my credit card interest. While I’m not thrilled about that the ease of getting approved is pretty simple and easy to do. I wasn’t sure if I could but I was approved. Overall happy with this app. Thanks
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Newest update
I can't even open the app since the new update
Trouble logging in
If you get logged out of the app it doesn’t want to allow you to log back in and customer service is no help. When you log back in it want ls you to create a pin but doesn’t allow you to create a new pin. You can type in the pin the first time but when you try to type it in the second time the dots are just grayed out and won’t allow you to type in anything. This needs fixed so people can access their account if they log out or get logged out
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Mobile app
The app doesn’t work when putting in your passcode. It gets stuck on the passcode screen.
App holds up
Can’t get passed pin confirmation- app doesn’t recognize pin pad on confirmation screen
Awesome
Great purchase power and flexibility
Affirm
I love using affirm
Thank you for helping me build my credit as well allowing me to control how to purchase items that I need when I need them
Thank you for helping me build my credit as well allowing me to control how to purchase items that I need when I need them
Terrible app
I can not even log on to my account. Error messages tell me to keep starting over and over, I get a text to verify myself and it just asks me for my email again. Tech support and troubleshooting doesn’t help. I’m starting to fill like they don’t want me to view my account.
More hoop jumping than it’s worth.
$1310.00 purchasing power, declined for $3.32.
Works great
Just bought a Dreo for 800 bucks and only had to drop 2 right now. I have bad credit and was worried it wouldn’t work but it was smooth would suggest
Do not recommend
They can take away your purchasing power without notice and without reasonable explanation. Do not recommend this service at all, they are not helpful whatsoever.
stupid.
I’m giving it a 1 star before I even open the app, purely out of spite because you made the browser version unusable. All these companies want you to download their app to play ball 🙄
Extremely unhelpful and a waste of my time.
Don’t use this app unless you want to be extremely dissatisfied.
Doesn’t work
I can create pin but doesn’t let me re-enter the pin. I deleted the app and downloaded it again but it does the same thing.
Verification Code
PLEASE add an email verification code option. I am currently deployed with only wifi access. I cannot receive text messages. Therefore, I cannot receive the verification code to log in. Thank you!
Terrible Customer Service
They can’t verify my identity after giving them numerous forms of identification.
Disappointed
Have never missed or been late on a payment now all the sudden they cannot verify my identity and after going round and round with the customer support and getting several email that they have verified it I still get a denial due to my identity not being verified I suggest using another platform like Sezzle or Zip. And not to mention customer support does not help was on the phone for 35 mins and nothing was resolved.
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Great until they are not
I made a return. Merchant returned 100% minus shipping which was fair as it was two items 130.00 each for shipping. Affirm considered this not a full refund and charged me 266.00 between the two returns for a months interest. Customer service is a nightmare. Horrible experience!
