Affirm has a 1.0/5 average rating with customers reporting widespread issues including unauthorized charges, failed fraud protection, poor dispute resolution, credit reporting errors, and unresponsive customer service.
What customers love
Easy approval process for purchases
Simple payment mechanics once account is set up
Common concerns
Inadequate fraud protection and dispute resolution—company sides with merchants even in clear scam cases
Unauthorized charges and payment processing errors that take months to resolve
Credit reporting inaccuracies and negligent handling of account closures
Extremely poor customer service with long hold times, circular support processes, and inability to resolve issues
Unauthorized purchases made without proper verification or consent
Customers mention
fraud and scamsdispute resolutionunauthorized chargescredit reportingcustomer servicerefund delays
