Affirm Reviews

Affirm has an overall rating of 2.8 based on 573 reviews. Customer feedback on Affirm is mixed: Affirm reviewers highlight positive aspects like easy application process, flexible payment options, quick approval times, and user-friendly interface, which strongly appeal to consumers seeking flexible financing solutions. However, Affirm is often criticized for its high interest rates, potential for overspending, limited merchant partnerships, and customer service issues.

2.8/5.0

573 reviews

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All Affirm Reviews (573)
juan.Thill
May 14, 2026
"Frustrating and makes me second-guess everything"
I wanted to like the Affirm app, but it’s been a hassle. It freezes on me, pages take forever to load, and it takes way too many taps just to find basic payment info. I also kept getting logged out, which made me nervous because I don’t like feeling like I might miss something or get tricked by unclear details. Simple stuff should be easy, but this app makes me feel like I have to double-check everything.
bryan-Charland
May 13, 2026
"Autopay has been mostly reliable for me"
I’ve been using autopay for a while and most of the time it works without any issues. I did have one bill show up as late even though there was definitely money in my bank account, which was frustrating. Support was able to fix it quickly, so it wasn’t a huge deal, but it was still annoying to deal with
ann1990
April 09, 2026
"The flexible payment options really helped me..."
The flexible payment options really helped me stay on top of my budget. It just made things feel a lot more manageable, especially when I was trying to space out expenses and not...
Tony.bickford
April 07, 2026
"Approval was quick, but the details weren’t super clear"
I applied with Affirm and got approved quickly, so that part went fine. The form was easy enough and didn’t take much time at all.
The only thing that threw me off was the approval amount and the terms. At first, it wasn’t totally clear what I was agreeing to, so I had to click around a bit to find the details.

Overall, it worked and wasn’t a bad experience, but I do wish everything was explained a little better before checkout. Did anyone else have the same issue, or was it just me?
bessie_Pena90
April 05, 2026
"It dinged my credit more than I thought it would"
I used Affirm a handful of times, I think starting sometime last year or maybe late the year before, and the payments themselves were never an issue. I paid everything like I was supposed to. But then when it showed up on my credit report, it seemed to affect my score more than I expected. Maybe I missed the fine print, but I really wish they made that part clearer before you use it. It’s not a horrible service or anything, just kind of frustrating
thomasthorton7454
February 22, 2026
"Wish I’d reached out sooner"
Support got back to me quickly and the replies were actually helpful. I kind of regret waiting as long as I did to contact them
HILL
February 12, 2026
"Locked Out and Stuck in a Verification Loop"
I wasn’t expecting it to be this hard just to get back into my affirm account. I got locked out, and every time I try to verify myself, it feels like I’m going in circles. I enter the information they ask for, and then it either says they can’t verify me or kicks me back to the beginning again.
I figured support would be able to help quickly, but it was mostly the same basic responses that didn’t really solve anything. All I wanted to do was check on my payments, and now I can’t even access my account. Definitely more frustrating than I expected
richardkennelly1741
January 23, 2026
"Checkout works, but whoever runs this needs to fix the store links"
Checkout went through fine for me, but the store connections are all over the place. Some merchants link up without any issue, then others make the whole checkout feel weird or super slow. Whoever runs this really needs to clean that up
hello_lillian822
January 21, 2026
"Clear fees, but I expected better instructions"
I liked that the interest and fees were shown upfront before I paid, so there weren’t any surprises. I just expected the instructions to be a little clearer along the way.
daryl_Board90
December 29, 2025
"The store refunded me, but Affirm just kept..."
The store refunded me, but Affirm just kept charging me anyway like a bunch of clowns. I opened a dispute and it dragged on forever, with nobody giving me a straight answer. Such a dumb, frustrating experience.

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Affirm Q&A

I made a purchase using affirm 12mth term loan ar Walmart. Then Walmart canceled my order what do I do to get it back with price and terms the same

Kay.Bowman
September 26, 2022

“Follow Walmart's lead... don't use them! Affirm makes everything complicated.”

Should i pay 2% of loan amount before they give me loan. & After paid this 2% they really gives us loan or they cheat?

Is Affirm a scam or a legit company?

smallcat627
November 28, 2022

“Scam. Horrible company. Horrible sellers and customer service”

NormanRamos
April 03, 2022

“Affirm is a real company. They have helped me so much. The only way you can mess up with Affirm is if you don't make any of your payments, but that is with any businesses. They charge no late fees, when you buy something and you use Affirm at checkout and you want to return something then when you return it Affirm will refund you also. To me Affirm is the best company out there. Yes they do charge a fee if you use their services but what company don't. You get to decide how much you want their charge to be. And if you pay your balance off early they will take off some of the charges or all of it depending when you pay off your balance. They give so many people with bad credit or no credit chances, just don't mess it up and make your payments. If your gonna be late on a payment that's fine too they don't charge late fees. No I don't work for them or am associated with them I'm just a customer that is thankful to have found them. They are not a scam! And just FYI I've been using Affirm for 2 years now.”

Brittanyb
November 30, 2021

“This is not a safe company to do business with unless you want to ruin your credit and who is literally that stupid”

RonnieHoffman
May 18, 2020

“Scam 100%! They will refuse to refund you even if you have the right to a refund. This company is not safe to use.”

Leon.Allen
January 15, 2020

“Affirm is scam for sure. Although merchant cancelled my contract and processed the refund Affirm is refusing to refund and screwing up credit score if you give SSN”

What made you choose Affirm over similar businesses?

KrinAlexander
April 27, 2020

“I had heard of the company because a friend actually knows the owner. Very sorry I did worst experience I have ever had.”

goldenrabbit476
September 28, 2019

“I saw them advertising in Walmart so I thought they were credible.”

IsaacLambert
July 29, 2019

“It was for convenience and I broke my own rule by not doing my research on this company. They should be avoided at all cost. The most dishonest company I have ever worked with. They have money they will not refund and are doubling down on their ineptness by demanding more money from me... for a product I have not received since ordering it in January, 7 months ago. My last communication with them included them threatening my credit score which happens to be high, and a guy with Affirm who said they are not able to arrange a conference call with the other company involved in this mess. This is some tech guys company and his people literally don't know how and literally won't set up a conference call to help one of their customers with an issue. Wow.”

I cannot sign in because I changed my cell number and can't receive their access code. I need to update with my new cell number? Not sure what to do

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