Affirm

First Affirm is reporting that this loan is active, which it is not. It was refunded 100% to Affirm, with Affirm already noting that they received the money. They are still reporting it to TransUnion as active when it is not. TransUnion won't remove it, stating that the loan is active. It is not. Do not use Affirm.

Not easy to follow their billing as to what you have paid. It seems like it takes longer than a month to show what the actual current balance is.

Very convenient

First time ever even trying it, all information is correct and updated, but they keep trying to say the last four digits of my SSN are incorrect. The chat AI is no help; I couldn't talk to an agent in chat because they don't work on Saturday. Okay, no problem, they said I could still call. When you call, you talk to a rebranded terrible "beta" AI that is no help at all.

10/13/25-
Called Affirm Customer Service to try and change four payment due dates to avoid "late payments." I usually receive my retirement check after the 15th of each month, so in order to avoid being late on my payments, I requested to have these due dates adjusted.
I was very fortunate to have Kevin J. answer my call. I explained my request to adjust payment due dates, and he took the time, with great patience, worked with me to adjust my payment dates as I requested. He was a perfect gentleman, polite, very patient, and understanding. He also kept checking back with me (while I was "on hold") to let me know he was still working to fix my problem.
And he did!!! My dates were adjusted to avoid having late payments!!
Thank you, thank you, thank you, Kevin!
You are a great leadership candidate!! I wish you great success in the future.

From a Very Satisfied Customer,
Hilda A. Bourda

So I have been an Affirm customer for years and generally have had nothing but good experiences with using the platform until recently. I generated a Pay in 4 virtual card for $951 to be used at Menards, who is a supported merchant on their platform. The initial down payment of the Pay in 4 plan went through; however, when I tried to place the order on the Menards website, the transaction was declined, and I was instructed to contact the card issuer to resolve the issue. I thought it was odd, so I went to cancel the card, which had disappeared from the app, and spun up another one for the same amount, where the down payment went through, but the transaction got declined again.

When I tried to cancel the cards, which you are typically able to do, the app stated it could not due to the merchant still processing the order, which can take a few days. I called to try to get this addressed with Affirm customer service and was met with a standard response: they cannot void or cancel the loans as the merchant is still processing the order, which can take up to 3 weeks, and it will be 7-10 days to refund me the $476 they charged to my card as a down payment. This means they get an interest-free loan for almost 30 days while I get stuck with a bill for an item I don't have. I have called multiple times to get this resolved and received the same response, even when escalating to a manager, who echoed the same sentiments. I told them that I got written confirmation from a representative at Menards saying the transactions/order did not go through and that the funds were released immediately back to the card issuer, which could take a couple of days to process. I offered to provide this, but their customer service refused to accept it and said if that is true, then the loan will auto void in 3 to 5 business days, if not 21 days. This has been upsetting, as usually, they are pretty good at resolving issues, but it seems due to the amount, they want to hold my money hostage for a month. Use at your own risk.

The absolute worst. I have had many loans with them and paid them off early. They reduced my purchasing power to zero. Stay away. They are terrible!

Awesome credit builder. I've had the best experience with Affirm, and I will advertise for them. I enjoy the selection it offers you to purchase and save, as well as creating your own payment plan.

Excellent at 0% interest, it's unbeatable. This is a new service to me. So far at 0% interest, I can't refuse a purchase here and there. It came in handy as I not only had car repairs but the lawn tractor as well. I paid cash for those expenditures. My tablet was getting outdated, and this one was an excellent bargain.

Use Klarna or any other pay-in-4 service, or a Citi credit card with pay over time options. I had to change my payment method due to a stolen card and saved the new one. My old card was tried and I wasn't notified until days later via email. They reported it as a missed payment after being 4 days late from an account opened in July 2023 (it was reported on August 9, 2023) and it lowered my credit by 53 points, despite my hard work and zero missed payments with Affirm or anyone else. The customer service is terrible, and the interest level on 12 months is worse than my very first credit card. Avoid.

They only accept debit cards or checking accounts with routing and account numbers. Security on both ends is unknown. I don't feel comfortable using this system of payment for loans. I will never use it again. I can't get through the automated phone system to reach a live person.

We don't have the product, yet you expect me to pay. I have sent you my family ID. I have filed a police report, and UPS says they returned it back to Theradome unopened. The Colorado Attorney General, FTC, and Department of Regulatory Agencies, Consumer Protection Division, and the Better Business Bureau are currently conducting an investigation into your business practices. If I incur bad credit, I will sue you to the maximum extent of the law for fraud.

Wow, I really like this company because it's easy to navigate and very modern! Also, it's widely accepted, almost everywhere, like PayPal. The only issue, however, is the interest. There's no way you can get 0% interest, and it's high. That's my only issue with it. The interest rate varies depending on your credit score. Another issue is that it takes 3-5 days to process the payment. It's easy to use, but the interest is where it's a tough pill to swallow!

Affirm is a discriminatory company. I have a 648 credit score with no derogatory marks. I applied for Affirm and was denied; my friend, who is white and has a 523 credit score, was approved. It's no wonder they require you to take a selfie.

You'll never deal with a worse company. There are too many hoops to jump through, and mostly it will end with failing to verify your identity after submitting a passport photo and a selfie. No one answers the phone or replies. You can't reach anyone. Maybe they are based in India or Israel.