Affirm

4.7 (35)
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Pay at your own pace

Overall rating

4.7 /5
(35)
Value for Money
4.4/5
Features
4.6/5
Ease of Use
4.7/5
Customer Support
4.5/5

91%
recommended this app
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35 Reviews

Royce
Royce
Overall rating
  • Industry: Telecommunications
  • Company size: Self Employed
  • Used Weekly for 6-12 months
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 8.0 /10

A for Affirm

Reviewed on 2025/03/13

My overall experience with affirm was good I enjoyed the fact that I could purchase things on...

My overall experience with affirm was good I enjoyed the fact that I could purchase things on Amazon or other online stores That's actually how I was able to get my equipment to work online

Pros

I really loved firm I love how easy it was to use I wish I could continue to use it again but not able to at this time

Cons

I didn't like how everything separated my payments on certain products I wish it could have been combined into one payment

Dannon
Overall rating
  • Industry: Automotive
  • Company size: 2–10 Employees
  • Used Weekly for 1-5 months
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 8.0 /10

Works fine

Reviewed on 2025/01/31

It's been fine. No issues. When I need to I can easily access through the app to make any changes,...

It's been fine. No issues. When I need to I can easily access through the app to make any changes, etc.

Pros

Ability to spread out payments. Really is helpful both as a consumer and as a vendor.

Cons

No issues noticed at this time. Works fine.

Alternatives Considered

Synergist

Reasons for Switching to Affirm

easy to use. known by many people, so there is a built-in trust
Heather
Overall rating
  • Industry: Retail
  • Company size: Self Employed
  • Used Monthly for 1+ year
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 0.0 /10

Worst ever

Reviewed on 2025/03/05

no one can tell me why I can’t have an account after almost 2 years of being told there’s no reason...

no one can tell me why I can’t have an account after almost 2 years of being told there’s no reason why you should be getting denied no one can tell me anything so I took my business elsewhere

Pros

Nothing I have never been able to use this product they kept denying me but when contacted they can’t tell me why all they have said is this is odd there is not reason you should have been denied

Cons

Everything no one can tell me why I can’t have an account after almost 2 years of being told there’s no reason why you should be getting denied no one can tell me anything so I took my business elsewhere

April
Overall rating
  • Industry: Retail
  • Company size: 2–10 Employees
  • Used Monthly for 6-12 months
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 10.0 /10

Vital player seeking positive reinforcement and found it!

Reviewed on 2024/12/16

Interest was low for me securing product I wouldn't otherwise have been able to purchase. They...

Interest was low for me securing product I wouldn't otherwise have been able to purchase. They don't give you the run around with a decision immediately which was helpful also. I have nothing but positive to say here and am thankful they were there for me when I was getting my feet off the ground starting my business

Pros

I loved using affirm during the time I used them they are actually a vital player in me starting my business approving credit when I needed it to buy and secure inventory for purchase.

Cons

I have nothing bad to say against affirm!

Lola
Overall rating
  • Industry: Writing & Editing
  • Company size: Self Employed
  • Used Weekly for 6-12 months
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 8.0 /10

Affirm Gets My Affirmative Green Light

Reviewed on 2025/02/10

It has been a really positive experience overall. Affirm gives you the option to set up auto-pay,...

It has been a really positive experience overall. Affirm gives you the option to set up auto-pay, so I don't miss payments.

Pros

The app's interface is very user-friendly. I especially enjoy the dashboard because it shows right up front how much "money" is available. There's also the quick search option, allowing you to see what companies you can use your funds towards a purchase.

Cons

The way they separate each purchase and money spent is a bit annoying. I'd rather have the total amount owed computed together in one lump sum.

paulo
Overall rating
  • Industry: Wholesale
  • Company size: 2–10 Employees
  • Used Weekly for 1+ year
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 9.0 /10

AFFIRM ITS

Reviewed on 2025/02/05

but i think affirm and the end this app help right on time

but i think affirm and the end this app help right on time

Pros

affirm , i do like the help that it gves to people

Cons

the fees for the late payments i think they must be more flexible

SHERYL
Overall rating
  • Industry: Consumer Services
  • Company size: 51–200 Employees
  • Used Monthly for 1+ year
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 10.0 /10

An "All Fun, No-Fuss" Shopping Experience

Reviewed on 2025/02/18

I've used affirm for over 2 years, & have not yet had a negative experience. It allows for...

I've used affirm for over 2 years, & have not yet had a negative experience. It allows for multiple options on how I'd like to pay for a product overtime, integrating very well with company monthly budget requirements.

Pros

Flexibility & Freedom: Allows you to buy now & pay later, in whichever increments work for your budget.

Cons

The end cost will always add up to more than if the item was just paid all at once upon shopping. This is understandable as companies need to charge a little more for loans in order to make a profit for their business to continue to be up & running.

Ximena
Overall rating
  • Industry: Events Services
  • Company size: 11–50 Employees
  • Used Monthly for 2+ years
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 10.0 /10

Safe and Fast

Reviewed on 2025/02/06

I have had a great experience, it feels safe to use it and it is very fast processing.

I have had a great experience, it feels safe to use it and it is very fast processing.

Pros

I like that it has a very fast response time and it feels very safe to provide your personal information.

Cons

I do not have a negative thing to say or something i disliked from using their system in my experience.

Amy
Overall rating
  • Industry: Government Administration
  • Company size: 501–1,000 Employees
  • Used Weekly for 6-12 months
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 8.0 /10

Amy's review

Reviewed on 2025/02/12

Pros

Affirm is great! It allows you to have flexibility and give you alternative options for payments.

Cons

Nothing, it is very useful and provides an ease for anyone.

April
Overall rating
  • Industry: E-Learning
  • Company size: 2–10 Employees
  • Used Monthly for 1+ year
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 10.0 /10

Affirm is THE place to go for flexible financing

Reviewed on 2025/01/29

Overall, Affirm has allowed me and my family to achieve some of the goals that we had without the...

Overall, Affirm has allowed me and my family to achieve some of the goals that we had without the stress of figuring out how to financially do it.

Pros

The flexibility that is provided is absolutely amazing.

Cons

On occasion, not being approved has frustrated me. I feel like if a human being had reviewed the information, the decision would have been different.

Eric
Overall rating
  • Industry: Oil & Energy
  • Company size: 1,001–5,000 Employees
  • Used Daily for 2+ years
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 9.0 /10

Affirm affirmed.

Reviewed on 2024/12/27

Excellent the size of purchases that can be made is significantly higher then other programs.

Excellent the size of purchases that can be made is significantly higher then other programs.

Pros

The way affirm processes pay later transactions is amazing.

Cons

It can be a little intensive in the screening ,and less likely to approve then other similar software

Carleton
Overall rating
  • Industry: Retail
  • Company size: 2–10 Employees
  • Used Daily for 2+ years
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 10.0 /10

Affirm Is Great

Reviewed on 2024/11/23

Affirm is great for increasing sales on an e-commerce website. It's an established and trusted...

Affirm is great for increasing sales on an e-commerce website. It's an established and trusted brand that legitimizes the website, instantly.

Pros

Super easy to set up and they provide a Wordpress Plugin for WooCommerce which makes it very easy to implement across an ecommerce website.

Cons

Sometimes, I'd have a backend issue with reporting being delayed, but it was infrequent.

Sarah
Overall rating
  • Industry: Apparel & Fashion
  • Company size: Self Employed
  • Used Weekly for 2+ years
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 10.0 /10

Affirm is great for pay in 4 processing

Reviewed on 2024/11/07

Overall they have been great and i receive my funds promptly

Overall they have been great and i receive my funds promptly

Pros

I can offer my customer's pay in 4 and pay in 6 options which helps increase my order value

Cons

The fees associated are a little higher than some

Omar
Overall rating
  • Industry: Broadcast Media
  • Company size: 51–200 Employees
  • Used Monthly for 1+ year
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 10.0 /10

Affirm helps you pay!

Reviewed on 2025/01/11

Overall I love to use affirm when I am running low on my budget and really need to make a serious...

Overall I love to use affirm when I am running low on my budget and really need to make a serious purchase. It helps me manage my money and allows me to buy the item I want without breaking the bank!

Pros

Affirm helped me make bigger purchases with the ability to split my payments in installments.
I love how you can purchase something and manage your finances by not putting a dent on your pocket. It’s as simple as buying now and paying for it later!

Cons

Affirm allows you to pay for services at a later date in a payment plan, the amount of money you can borrow depends on your credit score and therefor varies from person to person!

Tommy
Overall rating
  • Industry: Construction
  • Company size: 51–200 Employees
  • Used Monthly for 1-5 months
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 10.0 /10

Financial Option with plenty of support.

Reviewed on 2025/01/17

Lots of companies use affirm as a financial option and they are efficient on that. Probably more...

Lots of companies use affirm as a financial option and they are efficient on that. Probably more access to more businesses than other competitors.

Pros

Financing is easy and really excels well as a financial option when purchasing.

Cons

They do have interest and its based on your credit score. Other competitors have interest-free for 12 months.

Madison
Overall rating
  • Industry: Construction
  • Company size: 201–500 Employees
  • Used Weekly for 1+ year
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 10.0 /10

Good App!!

Reviewed on 2024/09/08

Overall experience has been good with Affirm

Overall experience has been good with Affirm

Pros

Super convenient and easy to use. Handy when it comes to large purchases

Cons

There is nothing I dislike about Affirm other than a few minor tech problems

Joe
Overall rating
  • Industry: Automotive
  • Company size: 2–10 Employees
  • Used Monthly for 1+ year
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 2.0 /10

Okay service

Reviewed on 2024/12/21

It’s okay I’m in the middle. I would rather use credit card

It’s okay I’m in the middle. I would rather use credit card

Pros

Fast and quick reply to application when applying

Cons

The least thing I like is the options of pay

Alternatives Considered

ADP Workforce Now

Reasons for Switching to Affirm

I didn’t choose affirm after using for 2 years.
Autumn
Overall rating
  • Industry: Arts & Crafts
  • Company size: Self Employed
  • Used Monthly for 1-5 months
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 7.0 /10

Love this service

Reviewed on 2024/05/30

Overall it’s a great service for not paying for your items right away in one large lump sum

Overall it’s a great service for not paying for your items right away in one large lump sum

Pros

Ability to pay over a year period of time or whatever’s timeframe you prefer. Various equal payments.

Cons

I dislike the interest rates that are associated with the service

Leah
Overall rating
  • Industry: Hospital & Health Care
  • Company size: 2–10 Employees
  • Used Monthly for 1+ year
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 9.0 /10

Affirm User Review

Reviewed on 2025/01/27

Affirm provides me with a convenient way to make purchases, especially larger ones, by breaking...

Affirm provides me with a convenient way to make purchases, especially larger ones, by breaking them into manageable payments.

Pros

I like that many Affirm merchants offer 0% APR financing through Affirm, making it an affordable way to spread out payments without incurring extra costs.

Cons

Affirm can only be used with participating merchants, limiting its versatility compared to general-purpose credit cards.

Shana
Overall rating
  • Industry: Real Estate
  • Company size: Self Employed
  • Used Weekly for 2+ years
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 10.0 /10

I affirm that this is the best!

Reviewed on 2024/04/01

Pros

I love having the convenience of paying over time. This has been a lifesaver for me and my budget. I appreciate paying zero to super low interest, which will depend on your payment terms and the item being financed.

Cons

There is nothing to complain about. I love Affirm!

Brittany
Overall rating
  • Industry: Food & Beverages
  • Company size: 2–10 Employees
  • Used Monthly for 1+ year
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 8.0 /10

Great chance of approval

Reviewed on 2025/03/13

Love the app to order things for the company

Love the app to order things for the company

Pros

I like how I was approved instantly for a great amount

Cons

Your credit has to be above a 600 in order to be approved

ADRIANO
Overall rating
  • Industry: Retail
  • Company size: 51–200 Employees
  • Used Monthly for 2+ years
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 4.0 /10

It was good until it wasn't...

Reviewed on 2024/06/13

Pros

It's easy to set up and to deal with. Reliable until you need customer service.

Cons

We did not have a good experience with customer service. They took forever to answer, and we got tired to wait for answers.

Sarah
Overall rating
  • Industry: Market Research
  • Company size: Self Employed
  • Used Monthly for 2+ years
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 10.0 /10

Great For Large Purchases

Reviewed on 2023/08/17

It is an amazing tool to use as far as purchasing school necessities, and even car related issues...

It is an amazing tool to use as far as purchasing school necessities, and even car related issues or covered under the Affirm application.

Pros

It is an amazing way to manage payments when purchasing larger items; the fact that the interest is 0% as long as you continue your set schedule, also you can extend your payments for a lengthier amount of time before checkout without any added fees or taxes.

Cons

I do not care for your in ability to make future purchases once you have made a payment late by chance.

Meghann
Overall rating
  • Industry: Retail
  • Company size: Self Employed
  • Used Monthly for 2+ years
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 10.0 /10

Awesome Payment Processing

Reviewed on 2023/12/18

Pros

I love Affirm for it's payment processing solutions. It's a great program if you have a higher priced ticket item. Your clients can get an approved credit line to help pay for the items they want and I think it's safer than some similar programs.

Cons

I can't say that I don't like anything about Affirm.

Destiny
Overall rating
  • Industry: Food & Beverages
  • Company size: Self Employed
  • Used Monthly for 6-12 months
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 8.0 /10

Payment plan we all love

Reviewed on 2024/05/17

I love affirm.. Best payment plan I’ve ever had

I love affirm.. Best payment plan I’ve ever had

Pros

Knowing that I can get something now and pay for it in for easy payments overtime best feeling ever

Cons

I wasn’t approved right away, so I tried again