Affirm: Buy now, pay over time

there's no confirmation when you order a physical card, no tracking number. they don't offer expedited shipping. and they don't shop to your PO Box. just a useless company.

I’m closing this account. Until further notice!

I love Affirm with its many shopping options and flexible payment plans.

I love affirm so much. Some things I want to pay overtime just for the heck of it. Super easy app layout, great options to use affirm with. Had trouble with flight tickets (bought them from a 3rd party: used affirm) but I felt that affirm had my back and sure enough I got a refund. Got another refund for a mistake I made. Affirm is my hero fr

Be careful folks. It starts with just one purchase too many. If you are going to use a predatory BNPL service, at least Klarna’s app lets you pay off loans in bulk and see a more up front schedule of your total payments. Having to click every single payment individually for a whole month in the Affirm app is just insanely hostile design. I literally had to teach myself Google Sheets just to be able to track my upcoming Affirm payments. And their website is even worse than the app. I know it’s mighty tempting, and it feels like free money, but please be careful not to become a white whale.

I would give them 5 stars but they don’t process payments quick enough for me.

3 veces ya voy a sacar algo a pagos y cuando voy a crear el plan me pide que actualice mi numero de telfono,cuando lo actualizo dice que todo está correcto y no se procesa el plan y me cobran todo el dinero sois unos estadadores voy a terminar de pagarles los 100 dolares y voy a cerrar mi cuenta espero y amazon quite este terrible servicio de su plataforma,ahora mismo voy a hacer el reporte directamente con amazon.

This is ideal for putting purchases on a time schedule to pay off over time rather an instant hit to your credit card. Love it!

Had plan on doing a big remodeling project with my Affirm account but with suggested plans available I might as well save up the money and not even use Affirm. Useless

I rarely leave reviews, but people deserve to be warned about my experience with Affirm and their dispute process. I never received my TikTok Shop package, and I provided extensive evidence supporting my claim. I submitted numerous screenshots showing lengthy conversations with TikTok Shop support, documentation showing the seller/store closed shortly after the package was never delivered, and proof that TikTok Shop themselves acknowledged the issue and stated I would be refunded. I followed every protocol asked of me. I responded promptly, submitted all requested documentation, and cooperated fully throughout the entire dispute process. Despite this, Affirm still denied the dispute and expected me to continue paying for a product I never received. The fact that TikTok Shop acknowledged the issue and indicated a refund would be issued, yet Affirm still held me financially responsible, is honestly laughable and inexcusable. Nothing about the decision felt fair, reasonable, or based on the evidence I provided. At this point, I paid off the loan only because I no longer want any relationship with Affirm and want my account permanently closed. After this experience, I would strongly caution anyone considering using Affirm to understand that if you ever have a dispute, do not assume it will be reviewed fairly, appropriately, or in a way that makes logical sense — even when you provide substantial proof and documentation. This experience completely destroyed my trust in the company, and I will not be using or recommending Affirm moving forward.