Data / Consumer complaints / Affirm Holdings, Inc / Payday loan, title loan, personal loan, or advance loan
Affirm Holdings, Inc: 3,618 CFPB complaints about payday loan, title loan, personal loan, or advance loan, last 3 years
Updated November 7, 2026. Source: CFPB Consumer Complaint Database.
Affirm Holdings, Inc drew 3,618 consumer complaints about payday loan, title loan, personal loan, or advance loan in the CFPB database in the three years to November 6, 2026, 22.9% of its 15,784 complaints in that time. The most common issue was “Problem when making payments”. The company responded on time to 99.9% of them, and 0.0% closed with monetary or other relief.
The request: Watch Affirm Holdings, Inc: each new CFPB complaint about payday loan, title loan, personal loan, or advance loan by issue, with the date and the company response. $10 of work on sign-up, no card.
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- 3,618Complaints, last 3 years
- 22.9%Share of the company's complaints
- 99.9%Responded on time
- 0.0%Closed with relief
- Oct 25, 2026Latest received
By period
The three years are cut into 12 month periods ending on the date of the latest data.
| Period | Complaints | Share |
|---|---|---|
| 12 months to Nov 6, 2026 | 2,255 | 62.3% |
| 12 months to Nov 6, 2025 | 860 | 23.8% |
| 12 months to Nov 6, 2024 | 503 | 13.9% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Problem when making payments | 1,191 | 32.9% |
| Problem with additional add-on products or services | 604 | 16.7% |
| Charged fees or interest you didn't expect | 477 | 13.2% |
| Getting the loan | 399 | 11% |
| Incorrect information on your report | 259 | 7.2% |
| Problem with the payoff process at the end of the loan | 226 | 6.2% |
| Problem with a company's investigation into an existing problem | 189 | 5.2% |
| Struggling to pay your loan | 131 | 3.6% |
| Improper use of your report | 28 | 0.8% |
| Getting a line of credit | 24 | 0.7% |
| Credit monitoring or identity theft protection services | 19 | 0.5% |
| Received a loan you didn't apply for | 12 | 0.3% |
| Can't contact lender or servicer | 11 | 0.3% |
| Problem with fraud alerts or security freezes | 9 | 0.2% |
| Loan payment wasn't credited to your account | 7 | 0.2% |
| Confusing or misleading advertising or marketing | 6 | 0.2% |
| Credit limit changed | 4 | 0.1% |
| Issues with repayment | 4 | 0.1% |
| Unexpected fees | 4 | 0.1% |
| Was approved for a loan, but didn't receive the money | 4 | 0.1% |
| Confusing or missing disclosures | 3 | 0.1% |
| Unable to get your credit report or credit score | 2 | 0.1% |
| Can't stop withdrawals from your bank account | 1 | 0.1% |
| Money was taken from your bank account on the wrong day or for the wrong amount | 1 | 0.1% |
| Problem with cash advance | 1 | 0.1% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 3,607 | 99.7% |
| In progress | 11 | 0.3% |
States
Where the consumers who complained live, as they gave it to the CFPB.
| State | Complaints | Share |
|---|---|---|
| California | 478 | 13.2% |
| Florida | 421 | 11.6% |
| Texas | 327 | 9% |
| New York | 243 | 6.7% |
| Georgia | 181 | 5% |
| Illinois | 130 | 3.6% |
| Pennsylvania | 130 | 3.6% |
| New Jersey | 129 | 3.6% |
| North Carolina | 125 | 3.5% |
| Maryland | 100 | 2.8% |
| Ohio | 97 | 2.7% |
| Virginia | 89 | 2.5% |
| Michigan | 81 | 2.2% |
| Arizona | 71 | 2% |
| Washington | 71 | 2% |
| Massachusetts | 64 | 1.8% |
| Colorado | 61 | 1.7% |
| South Carolina | 58 | 1.6% |
| Tennessee | 57 | 1.6% |
| Nevada | 55 | 1.5% |
| Indiana | 53 | 1.5% |
| Connecticut | 50 | 1.4% |
| Louisiana | 50 | 1.4% |
| Missouri | 48 | 1.3% |
| Alabama | 38 | 1.1% |
Latest 25 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| October 25, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| October 25, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 24, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| October 24, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 24, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 24, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| October 24, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 24, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 24, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Incorrect information on your report | In progress | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Incorrect information on your report | In progress | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- All Affirm Holdings, Inc complaints
- Every company with Payday loan, title loan, personal loan, or advance loan complaints
- All consumer complaints
Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.