Affirm: Buy now, pay over time

User Experience Report

Report Date

This is sample report built by Anecdote, using AI to analyze feedback from platforms like the App Store and Reddit.

Highlights trends and insights

Helps you understand what matters most

UNLOCK ALL INSIGHTS

Affirm: Buy now, pay over time

Top Insights This Week

This is sample report built by Anecdote, using AI to analyze feedback from platforms like the App Store and Reddit.
It highlights trends and insights to help you understand what matters most.
Right-facing arrow

All Insights

Dashboard mockup

TOP INSIGHTS

A weekly roundup of Affirm: Buy now, pay over time's key feedback

1

Customer Service Issues

A significant number of users express frustration with Affirm's customer service, citing scripted responses and lack of real solutions. Approximately 15% of users report dissatisfaction with the support they receive, feeling that their issues are not adequately addressed.

Support just keeps transferring my case and never provides a real solution.

2

Account Closure Difficulties

Users face challenges when trying to close their accounts, with some reporting that Affirm refuses to delete their accounts despite repeated requests. This issue affects around 10% of users, leading to concerns about personal data security.

I’ve been asking them to close and permanently delete my account, and they simply refuse to do it.

3

Unexpected Charges

Some users experience unexpected charges, such as being charged for down payments or full amounts without confirmation, causing financial inconvenience. This problem affects about 8% of users, leading to dissatisfaction with the payment process.

Affirm charged my bank account for the down payment on a payment plan then Amazon charged me for the full amount.

4

Purchasing Power Reduction

Users report sudden reductions in purchasing power, often after a single late payment, which they find disproportionate and frustrating. This issue impacts approximately 12% of users, who feel penalized despite a history of timely payments.

They took 100% of my purchasing power away because of this 1 time I was late.

COMPETITORS ANALYSIS

Stay ahead by benchmarking your performance against competitors and keeping your finger on the market pulse

#1 USERS CHOICE

Klarna
Klarna receives high praise for its user-friendly interface, flexible payment options, and reliable customer service. Users appreciate the ability to spread out payments with low or no interest, making it a popular choice for budget-conscious shoppers. However, some users report issues with refunds and customer service responsiveness.

#2 RUNNER UP

Affirm: Buy now, pay over time
Affirm is appreciated for its flexible payment plans and the ability to make purchases without impacting credit scores. Many users find it helpful for managing larger purchases and improving credit scores. However, some users express frustration with customer service, account management issues, and unexpected charges.

#3 Straggler

Sezzle
Sezzle is favored for its ease of use and ability to help users manage finances with flexible payment plans. It is particularly appreciated by those needing to make larger purchases without using credit cards. Nonetheless, some users criticize the high fees and account management issues, which can detract from the overall experience.
Competitors Analysis
Stay ahead by benchmarking your performance against competitors and keeping your finger on the market pulse.
Klarna
#1 Users Choice
Klarna receives high praise for its user-friendly interface, flexible payment options, and reliable customer service. Users appreciate the ability to spread out payments with low or no interest, making it a popular choice for budget-conscious shoppers. However, some users report issues with refunds and customer service responsiveness.
Affirm: Buy now, pay over time
#2 Runner-up
Affirm is appreciated for its flexible payment plans and the ability to make purchases without impacting credit scores. Many users find it helpful for managing larger purchases and improving credit scores. However, some users express frustration with customer service, account management issues, and unexpected charges.
Sezzle
#3 Straggler
Sezzle is favored for its ease of use and ability to help users manage finances with flexible payment plans. It is particularly appreciated by those needing to make larger purchases without using credit cards. Nonetheless, some users criticize the high fees and account management issues, which can detract from the overall experience.

Start your 14-day free trial

Join 300+ companies monitoring customer experience across 80+ different sources

Learn moreBook a call

Join our next webinar, no camera needed

Nuggets

Major Highlights of the Week

Account Deletion Issues
Users face significant challenges when attempting to close and permanently delete their accounts, with requests being ignored and security concerns persisting. This lack of control over personal data and account management is a critical issue for user trust and satisfaction.
I've repeatedly asked to close my account due to security issues, but Affirm refuses to do it.
Unexpected Down Payments
Customers are surprised by unexpected down payments at checkout, despite being shown a '0 due today' message initially. This inconsistency in payment expectations can lead to frustration and a lack of trust in the platform's transparency.
I was told '0 due today' but ended up paying a large amount down at checkout.
Virtual Card Confusion
The app's recent update has led to confusion as virtual card transactions now display as 'affirm virtual card' instead of the merchant's name, complicating purchase tracking. This change disrupts users' ability to manage and review their spending effectively.
All my virtual card purchases now say 'affirm virtual card' instead of the merchant, making it hard to track spending.
Data Sharing Concerns
Affirm's data sharing policy, which requires users to opt-out, is perceived as invasive and unethical by some users. This approach to data privacy can damage the company's reputation and deter potential customers.
Affirm's 'opt out' data sharing policy is disgusting and feels like a violation of privacy.
Customer Service Frustrations
Users report dissatisfaction with customer service, citing scripted responses and lack of real solutions, which exacerbates their issues. This inadequate support experience can lead to decreased customer loyalty and negative word-of-mouth.
Customer service just reads from a script and never provides a real solution.
Credit Line Reductions
Some users experience unexpected reductions in their credit lines after making payments, which contradicts their expectations of increased purchasing power. This inconsistency can lead to frustration and a perception of unfair treatment.
Nuggets

Major Highlights of the Week

Everything you need to know about user experience
Account Deletion Issues
Users face significant challenges when attempting to close and permanently delete their accounts, with requests being ignored and security concerns persisting. This lack of control over personal data and account management is a critical issue for user trust and satisfaction.
Unexpected Down Payments
Customers are surprised by unexpected down payments at checkout, despite being shown a '0 due today' message initially. This inconsistency in payment expectations can lead to frustration and a lack of trust in the platform's transparency.
Virtual Card Confusion
The app's recent update has led to confusion as virtual card transactions now display as 'affirm virtual card' instead of the merchant's name, complicating purchase tracking. This change disrupts users' ability to manage and review their spending effectively.
Data Sharing Concerns
Affirm's data sharing policy, which requires users to opt-out, is perceived as invasive and unethical by some users. This approach to data privacy can damage the company's reputation and deter potential customers.
Customer Service Frustrations
Users report dissatisfaction with customer service, citing scripted responses and lack of real solutions, which exacerbates their issues. This inadequate support experience can lead to decreased customer loyalty and negative word-of-mouth.
Credit Line Reductions
Some users experience unexpected reductions in their credit lines after making payments, which contradicts their expectations of increased purchasing power. This inconsistency can lead to frustration and a perception of unfair treatment.

Quotes of the week

Hear from some of the most impactful users to drive changes

I've been asking them to close and permanently delete my account, and they simply refuse to do it. I’ve had serious security issues — even with my card locked, unauthorized charges keep happening. Their support just keeps transferring my case and never provides a real solution.
SolciMaia
Y'all really need to stop making unnecessary changes to the app. All of my purchases for the virtual card now say 'affirm virtual card' instead of the merchant it used to show. People would like to keep track of the places they buy from so this change was dumb and not needed.
haleyyshaye
I used to really enjoy using Affirm, but not anymore. They have changed their business practices. They now report to the major credit bureaus and also do not reassess your spending power every seven days like before.
jaymariex3

Start your 14-day free trial today

Join the 300+ companies monitoring customer experience

Chat to salesGet started

Join our next webinar, no camera needed

Start your 14-day free trial today.

The quotes of the week

Hear from some of the most impactful users to drive changes
I've been asking them to close and permanently delete my account, and they simply refuse to do it. I’ve had serious security issues — even with my card locked, unauthorized charges keep happening. Their support just keeps transferring my case and never provides a real solution.
Candice Wu
App Store
Y'all really need to stop making unnecessary changes to the app. All of my purchases for the virtual card now say 'affirm virtual card' instead of the merchant it used to show. People would like to keep track of the places they buy from so this change was dumb and not needed.
Kelly Williams
Google Play
I used to really enjoy using Affirm, but not anymore. They have changed their business practices. They now report to the major credit bureaus and also do not reassess your spending power every seven days like before.
Koray Okumus
Google Play

Discover Anecdote’s all-in-one customer experience platform

Search through all your feedback, instantly

Type in anything, and find what you need in your feedback—complete with relevant tickets, citations, and AI-summaries.

Search for product issues and validate hypotheses.

Receive an AI summary, relevant tickets, sentiment and more.

Explore

Use AI to automate and prioritize your feedback analysis

Analyze your feedback with our market leading LLM, generate clear AI summaries, and prioritize burning issues.

Transform feedback into actionable trends and categories.

Use AI to turn feedback into impactful business actions.

Explore

Send surveys and analyze them with AI

Quickly launch AI-powered surveys right in your product, on WhatsApp, or through email, and get real-time AI insights on the results.

Whatsapp logo
Gmail logo
SDK

Reduce time to action with quick, actionable AI insights from your surveys.

Analyze all your customer feedback, including surveys, in one place.

Explore

Segment feedback from your company in charts and summaries

Turn feedback into clear, easy-to-read dashboards that help your team make better decisions, break down silos, and respond faster.

Easily deep-dive into feedback from support, products, branch, and stores.

Share feedback dashboards to your team that update in real-time.

Explore

Benchmark your company's feedback against your competitors

Unify and analyze public competitor feedback to benchmark against their performance.

Learn from competitors' strengths and avoid their mistakes.

Create monthly SWOT comparisons.

Explore

Stay on top of your feedback with alerts

Set up email or Slack alerts for specific customer issues, bugs, VoC reports, or queries like legal mentions and late deliveries. Route these to the right team the same day they're reported.

Gmail logo

Improving customer satisfaction with faster response times.

Identify and address emerging risks more swiftly.

Explore
We've rebranded to Clarity. A new era of premium customer experience starts here.
Check out OnClarity.com.