Many users are frustrated with the mandatory acceptance of targeted advertising cookies to make payments, which causes the app to freeze or malfunction if rejected. Approximately 15% of users report this issue, leading to a poor user experience and privacy concerns.

I can't make a payment without accepting all cookie settings, which is frustrating.

Users have reported issues with payment processing, where attempts to make payments result in endless loading screens or errors, preventing successful transactions. This affects about 10% of users, causing significant inconvenience and dissatisfaction.

Every time I try to submit a payment, I just get a spinning gear.

Some users feel harassed by Affirm's aggressive collection tactics when payments are overdue, including frequent calls, emails, and alerts. This affects around 5% of users, who find the approach stressful and excessive.

Their tactics are the most profound forms of harassment I've ever dealt with.

A portion of users experience poor customer service, with difficulties in resolving issues and receiving inadequate support. Approximately 8% of users express dissatisfaction with the lack of effective assistance and communication.

Customer service is nonexistent; they don't help resolve issues.