4.87★ from 1,714,543 ratings · version 4.94.1 · 40 of the last 53 written reviews are one or two stars
App stuck on passcode confirmation screen
4of the 40 read·10%
Users cannot get past the passcode creation or confirmation screen; app won't accept keystroke input to confirm passcode.
›read 3 of these reviews
“The app does not work on my iPhone 17! — The app doesn't work at all. It opens with a window asking me to create a four digit passcode. I fo and then it asks for me to confirm the number it doesn't enter any keystrokes. This has been a huge headache because of lost credit and debit cards that had to be replaced this summer. It took a month to resolve this issue. Quit telling us to use the app. Don't send me emails…” — ★☆☆☆☆ · English“App stuck on “create a passcode” — Will not let me get past this, it lets you create the first one but when the next page opens it wants you to confirm it but won’t let you enter the code you just put in.” — ★☆☆☆☆ · English“17JackBauer45 — App doesn’t work and doesn’t let me get past the Passcode 🤷🏻♂️” — ★☆☆☆☆ · English
Refunds take months to process
3of the 40 read·8%
Users report extremely long delays receiving refunds, sometimes 60+ days or months, while payment reminders arrive immediately.
›read 3 of these reviews
“Terrible customer service and refund policies — I had to wait 60+ days for my refund. They love to take your money and will regularly text you to remind you to pay, but if you get a refund, you’ll be waiting for months for them to issue your refund. Their chat customer service is terrible as well, they will close your chat and you begin the process anew.” — ★☆☆☆☆ · English“They take forever — They take forever for refund when a planned purchase does not go through/ canceled, when you make a deposit for a planned purchase.” — ★☆☆☆☆ · English“Multiple charges — I attempted to use Affirm with Instacart. I was declined due to an “address mismatch”- although I checked multiple times that my address was correct. I was charged 3 down payments even though I was declined. Customer service told me it would take over a week for the refund.” — ★☆☆☆☆ · English
Cannot log in to account
3of the 40 read·8%
Users cannot log in; app either won't accept credentials, automatically logs them out, or gets stuck requiring PIN reset.
›read 3 of these reviews
“Log in — For the past month I have NOT BEEN ABLE TO LOG IN! I have spoken with Affirm but nothing has been corrected” — ★☆☆☆☆ · English“Glitches — Can’t log in. Keeps making me reset pin but won’t allow me to reset it.” — ★☆☆☆☆ · English“Will I ever be able to access account again? — The app automatically logged me out and due to faulty UI I can’t enter passcode to log back in” — ★☆☆☆☆ · English
Payment system won't process or confirm
3of the 40 read·8%
App won't allow password creation to pay bills, won't process auto-pay when declined, or charges without approval or notice.
›read 3 of these reviews
“App has problems — The app will not let me create a password so I can pay my bill” — ★☆☆☆☆ · English“Payment — The auto pay was declined and it told me to pay now but does not give me another way to pay now.” — ★☆☆☆☆ · English“No Confirmation on Payment — I was finishing up a payment plan and logged in to review the last payment. Two things: the email for the previous payment was sent to my email when I logged in the morning. I made the purchase 5 days ago. The last payment was made without my approval even though I had 10 days left. Absolutely ridiculous that there is not another page for confirmation and very irritated with this design.…” — ★☆☆☆☆ · English
Apple publishes the most recent written reviews, up to five hundred, and that is what was read — not a search for bad ones. Why so many of them are angry. The complaints above come from the 40 most recent negative ones. Newest review 2 days ago (06.09.2026), last collected yesterday.