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Affirm app reviews: what users complain about
We ran AppGripe on 300 of the most recent public App Store reviews of Affirm: Buy now, pay over time (Buy now, pay later, by Affirm, Inc.) from 3 storefronts, dated 2024-08-02 to 2026-10-22. Average rating in this sample: 3.42★. Its all-time US App Store rating is 4.9★ from 1.9M ratings. 100 reviews contained a complaint; the biggest theme was bugs (65%).
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Complaint categories
| Category | Reviews | Share of complaints | Avg severity (0–3) |
|---|---|---|---|
| Bugs | 65 | 65% | 2.5 |
| Feature requests | 37 | 37% | 2.1 |
| Pricing / subscription | 36 | 36% | 2.2 |
| UX / design | 18 | 18% | 2.2 |
| Performance | 12 | 12% | 2.4 |
| Crashes / freezes | 11 | 11% | 2.9 |
| Ads | 1 | 1% | 2.7 |
A review can count in several categories, so shares add up to more than 100%. Severity is the AI's estimate of how bad the problem is for the user.
Top issues, ranked by reviews × severity
- Fix login / account access: 31 complaining reviews, avg severity 2.8/3. What to do: Audit the sign-in flow (SSO, password reset, verification emails) on the latest version; add clear error messages.
“App doesn’t work. Goes into endless signin/login loop.” (1★, vv4.104.3, US) - Answer support requests: 27 complaining reviews, avg severity 2.5/3. What to do: Add an in-app contact option and reply to these App Store reviews; Apple lets developers respond publicly.
“No way to reach live agent, no email, no phone number. Instagram messages are unanswered. No way to resolve issues and to get answers. Don’t use their services. No customer support at all.” (1★, v3.318.0, CA) - Soften the redesign backlash: 11 complaining reviews, avg severity 2.3/3. What to do: Explain the change in-app, restore the most-missed option, or offer a setting for the old behaviour.
“you updated the program and now my old version on 16 iOS does not open. How can I view my account if I can not update the version of iOS? guys you should think not only about those who have new phones but also about those who do not update their phone every 2…” (1★, v3.280.0, CA) - Ship the most requested feature: 14 complaining reviews, avg severity 1.6/3. What to do: Read the quotes below for the exact request; consider a public roadmap.
“I would prefer the payment of affirm from credit card please allow it.” (1★, v3.283.0, CA) - Fix in-use crashes and freezes: 6 complaining reviews, avg severity 2.9/3. What to do: Match quoted actions to crash reports; ship a hotfix for the top stack trace.
“Tried to buy something on Amazon and pay with affirm. They take down payment but the next page crashes. They are nothing like klarna. This is a sorry excuse of a loan firm.” (1★, v3.274.0, CA) - Make trials and renewals transparent: 4 complaining reviews, avg severity 2.2/3. What to do: Show the renewal date and price before the trial ends; link to cancellation. Surprise charges drive 1-star reviews and refunds.
“If you will use Affirm, make sure the merchant will not charge you a return fee when using Affirm. Wayfair charged me $31 bucks for an item I sent back. Their reasoning is that because I use Affirm, that I am not be able to avail of free returns. So be careful…” (1★, v4.95.1, CA)
Rating by app version (newest first)
| Version | Reviews | Avg stars | Share with a complaint |
|---|---|---|---|
| 4.103.2 | 3 | 2.3 | 67% |
Versions with fewer than 3 reviews in the sample are left out.
FAQ
What do users complain about most in Affirm?
In 300 recent App Store reviews (2024-08-02 to 2026-10-22), the most common complaint theme was bugs (65% of complaining reviews), and the top specific issue was “fix login / account access” (31 reviews).
How many Affirm reviews are negative?
100 of 300 recent reviews (33%) contained a complaint. Average rating in this sample: 3.42★. Its all-time US App Store rating is 4.9★ from 1.9M ratings.
Can I get the same report for my own app?
Yes. Paste your App Store or Google Play link at revunda.xyz/apps/ and you get the full PDF (up to 300 recent reviews, 7 categories, 18 specific issues, version trend, 10 ranked fixes) within 24–48 hours. A free mini check shows the top 3 themes in seconds.
How to read this
Apple's public feed only shows recent reviews, so this is a snapshot of the last weeks or months, not the app's full history. Popular apps attract complaints in proportion to their size; the useful part is which issues repeat. Generated 22 October 2026. We have no relationship with Affirm, Inc..
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