Aaron I.
A very shit ass experience
A very shit ass experience with affirm. Just going to scam and screw you with interest right after you make your final payment. They’ll be like oops looks like you owe us $4k more on top of the $2,200 you already paid.
Response from UpgradedSep 15, 2025
Hi Aaron, I don't see you as a customer. That's not how Affirm works. They don't just add interest or additional fees. They actually don't even have any late fees. They will send someone who hasn't paid after 90 days to collections, but they don't charge fees -- it's actually pretty impressive of them. Another thing to note is that not everyone who applies will get 0% APR. Most of our customer do have 0%, but certainly not all. Your 1-star review really sucks for us. We don't make the credit decision. And it looks like you didn't end up buying anything. If you had a bad experience with us directly -- if we messaged up somewhere -- then I would welcome your feedback... but what you are saying about not liking Affirm here doesn't apply to Upgraded. Appreciate you giving us a shot. We're 6 people trying to build a new company. Please consider removing your review!