On paper legit, sort of, but really a scam. They aren't even who you are financing with.

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

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

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

Affirm is a real business but if something happens they will not have your back. They will hound you and threaten your credit and do absolutely nothing to resolve issues that are not your fault. I haven't received something I purchased 7 months ago. I did everything I was told and a few months in I realized they were milking me for monthly payments on a product I purchased but they have made NO EFFORT to resolve my issue and get my money back. The excuses are incredible. They will tell you they have a special team working just on your case. They will promise a return call and never make the call. So technically they may be a business but they are most certainly a scam.

Scam! Just walk away. Even though I signed up with a checking account somehow this company accessed a savings account that they didn't have access to. They also stated they had access to my Amazon account. I called Amazon and of course they're like well. You got a deal with Affirm. And I was like no affirm told me you shared my information. Is that true so moral of the story is I guess drop Amazon and stay away from AFFIRM

Scam. Horrible company. Horrible sellers and customer service

Affirm is a scam. They post as financial services, but in truth they are scammers

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.