Affirm

You would think if one is a constant paying user they'd be eligible for purchase power always….
Not case
Continue to deny even when you pay as you go and complete payments before agreed timeframe of loan!
Just horrible option people!
Use Afterpay
It's much more credible

In my opinion, with my experience from the company, Affirm, they are a "Theft by Deception Company."
Warning: Affirm is a fraudlent company, and lures customers through these large companies, as if they are offering the consumer a better way to pay off your purchases in the long run. Negative: They will charge you for purchases you did not make, and never do you get the same customer service agent, but they same message. You have no help when any errors occur, on their part.

I didn't use affirm or any of the other buy now pay later until special occasions, I went to the affirm app and my account on December 27th was closed for unknown reasons, as far as I can see it's as bogus as klarna that use companies you can't contact to return an item. But they want payments.

Do not use affirm for purchases. There was an $80 purchase made on my account that I did not make. They "investigated" and say they have proof it was sent to my address. I looked at every purchase on my Amazon account and there was no purchases in that amount. I just wonder how many other people they've done this to. Use after pay instead never had one issue with them.

As soon as you start a loan the problems start. Loans not linked to payments. Appears they want you to lose track of what you're paying for. Contacting them is useless and almost impossible.

I recently used Affirm to purchase a new home office chair. I've been using Affirm for several years, and have never had any issues with the payment information I set up over 8 years ago. I recently contacted them to notify them of an issue with their system when repeated attempts to make payments continuously failed. I even talked to my bank, who confirmed there are no issues with my account and nothing blocking my payments on their end. Their conclusion: The merchant is experiencing issues. I was running into issues which were resulting in 5xx errors, (I did not manually enter any of the information myself, only confirmed information provided by their on-screen options.) and my payments were disappearing completely from their system within 24 hours. I ended up calling 4x, and not once did I receive any reassurance that information would be escalated to their tech teams to notify them of a potential problem. As they say, you can't help someone who refuses to accept something is wrong to begin with.

I have been getting the running around so much with affirm about identity. It's so annoying because every time I get on the phone they say the same thing. I been updated my number on my credit bureau.

Affirm pre-approved for 880 at Walmart after the Advertisement played at Walmart so I figured it's Christmas time. Why not?
I go to the register and it tells me declined after preapproval. Now let me add the fact I have excellent credit. I hit the button again It says.
Approved 6 hundyesterday.
I'm at register with a car full of c*** I'm at register with a car full of c*** I'm at register with a car full of c*** I don't need for my children.
Then it says declined out of confusion. I hit the button again. It says approve for 200 I hit accept. It charges my card $100 immediately. And then don't let me purchase nothing at Walmart.So I lost a $100.Have to wait 3 to 5b Days for my $100 back. And walk out of the store and decide not to buy anything.
Out of pure irritation. I would.
Like to point out that management at Walmart and the associates were great and very understanding trying to help me. But I can confirm that a firm is bull$#*!

I had no problems for approximately a year and a half, and then, sometime in December 2024, I was suddenly unable to log in to check the status of my loans or to use Affirm as an alternate payment method on Amazon. I have repeatedly contacted their help centre and keep receiving responses telling me how to update my phone number, which is not what I'm trying to do. I'm using the same phone number I've been using for the past two years, and have used without issue both on the Affirm app and on the site, as well as on Amazon. There's no option to log in with an email, and when I attempt to log in with my phone number, I'm directed to update my phone number or log in. This goes on and on for as long as I feel like playing. Customer service is of no help, and left me sitting on hold for 20 minutes until my phone died. This, after I confirmed all of my information, including a previous address that's two years old and has literally nothing to do with this current issue.
I've sent tickets in and they've been closed -- marked as "resolved", when the situation has clearly not been resolved. One response was that their technicians or whoever had no idea what was going on and no timeline for when it would be resolved. But they marked my ticket "resolved". So far, there are no unauthorized payments coming out of my bank account, but I now cannot access my loan information to find out how much I have left to pay, when I'm expected to pay it, or even to pay early.
I initially strongly recommended this payment option, especially since Amazon stopped offering the option to pay over time, but now I will absolutely warn people against it.
I want to close my account, but first I need to find out where my loans are at and how I can pay them off. Can't do that if I can't log in.
This is infuriating and frustrating.
If I were trying to update my phone number, I would have called them as advised on the site. All I'm trying to do is log in with the same phone number I always use. I don't know who operates the IT side of this company, but they're not doing their jobs.
I feel my only option at this point is to change bank accounts, which is pretty crappy of Affirm.