# Affirm Reviews **Vendor:** Affirm **Category:** [Installment Payment and Buy Now Pay Later (BNPL) Software](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Average Rating:** 4.3/5.0 **Total Reviews:** 48 ## About Affirm Affirm’s mission is to deliver honest financial products that improve lives. By building a new kind of payment network – one based on trust, transparency and putting people first – we empower millions of consumers to spend and save responsibly, and give thousands of businesses the tools to fuel growth. Unlike most credit cards and other pay-over-time options, we show consumers exactly what they will pay up front, never increase that amount, and never charge any late or hidden fees. ## Affirm Pros & Cons **What users like:** - Users love the **affordability** of Affirm, allowing stress-free purchases with manageable payments and no hidden fees. (2 reviews) - Users find the **ease of use** of Affirm delightful, with quick setup and streamlined purchase processes enhancing their shopping experience. (2 reviews) - Users appreciate the **flexible payment options** of Affirm, enhancing their purchasing power without unexpected costs or stress. (2 reviews) - Users enjoy the **convenience of flexible payment plans** with Affirm, making purchases stress-free and efficient. (1 reviews) - Users value the **easy setup** of Affirm, enabling a quick and seamless transition to flexible payment options. (1 reviews) - Interest Rates (1 reviews) - No Fees (1 reviews) - Pay Later (1 reviews) - Real-time Updates (1 reviews) **What users dislike:** - Users can experience **high interest rates** with Affirm, impacting affordability and potentially harming credit scores if payments are missed. (1 reviews) - Users report that **high fees** and interest rates can make Affirm repayment options unexpectedly costly and burdensome. (1 reviews) - Users find the **lack of clarity** regarding product eligibility frustrating, calling for more consistent labeling and information. (1 reviews) - Users are frustrated by **late fees** that add unexpected costs and can negatively affect their credit scores. (1 reviews) - Users report **limited acceptance** of Affirm across merchants, making it inconvenient for certain purchases and plans. (1 reviews) ## Affirm Reviews ### 1. Flexible, Fee-Transparent Payments That Make Big Purchases Easier **Rating:** 4.5/5.0 stars **Reviewed by:** Rilwan B. | Sheet Metal Mechanic, Construction, Mid-Market (51-1000 emp.) **Reviewed Date:** January 13, 2026 **What do you like best about Affirm?** Affirm lets you split purchases into manageable payments with no hidden fees, clear terms presented upfront, and flexible plans (including interest-free options). I find it easy to use for larger purchases, and the soft credit checks don’t affect your credit. Overall, it helps increase buying power without surprise costs or unexpected charges. **What do you dislike about Affirm?** Some users may face high interest rates on certain plans, which can make repayments more expensive than expected. If you miss a payment, you could be hit with fees and see a negative impact on your credit score. It’s also not available with every merchant, and even with a plan, larger purchases can still feel costly overall. For some people, this kind of setup may also encourage overspending or lead to debt building up over time. **What problems is Affirm solving and how is that benefiting you?** Affirm helps solve the challenge of affording larger purchases by splitting payments into clear, scheduled installments with no hidden fees. It makes budgeting easier, reduces the shock of a big upfront cost, and provides transparent terms, so users can better manage cash flow and plan purchases without worrying about surprise charges. ### 2. Reliable and Transparent Buying Power with Clear Payment Breakdowns **Rating:** 5.0/5.0 stars **Reviewed by:** Veronika H. | General Assistant, Small-Business (50 or fewer emp.) **Reviewed Date:** March 10, 2026 **What do you like best about Affirm?** Affirm is always reliable! I use it often and love that I am able to see buying power before a purchase and it gives me all of the information upfront. I also love that payments are broken down by 'this week', 'this month' and 'next month'. **What do you dislike about Affirm?** Sometimes the plan pending takes a few days. **What problems is Affirm solving and how is that benefiting you?** It helps me manage money especially when I know I am being paid soon but don't currently have the funds in my account. ### 3. Flexible Financing with Room for Improvement **Rating:** 4.5/5.0 stars **Reviewed by:** Raj K. | Supply Chain Technician II, Mid-Market (51-1000 emp.) **Reviewed Date:** November 28, 2025 **What do you like best about Affirm?** I really appreciate Affirm's ability to offer payment plans at 0% interest, which makes managing my electronics expenses much easier and stress-free. The flexibility Affirm offers to buy different things is invaluable as it allows me to make purchases without the immediate financial pressure. The store finder feature is one of my favorite aspects because it quickly identifies which items are eligible for purchase with Affirm, saving me significant time. Instead of browsing through multiple stores unsure of what's available, the feature clearly separates eligible items and makes my shopping experience smoother and more efficient. On top of this, setting up Affirm was straightforward and quick, taking only a few minutes, which made the transition seamless and stress-free for me. **What do you dislike about Affirm?** Sometimes the eligibility isn't clear on certain products, so having more consistent labeling or clearer info would really help. **What problems is Affirm solving and how is that benefiting you?** I use Affirm to pay for electronics with 0% interest plans, offering flexibility in purchases. The store finder saves me time by identifying eligible items, making shopping efficient. ### 4. What Affirm means for our business **Rating:** 3.0/5.0 stars **Reviewed by:** Yann T. | Small-Business (50 or fewer emp.) **Reviewed Date:** May 22, 2023 **What do you like best about Affirm?** provides payment solutions via instalments **What do you dislike about Affirm?** poor online rating, we already have shop pay which does the same thing, not much revenue generated **What problems is Affirm solving and how is that benefiting you?** customers who traditionally could not afford our electric vehicle chargers now have the possibility to buy our products via installments. It also solves the issue of bad credit ### 5. Affirm, a good option to receive payments. **Rating:** 5.0/5.0 stars **Reviewed by:** Javier C. | Marketing Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** February 23, 2022 **What do you like best about Affirm?** What fascinates me the most is the customer service. Affirm helped us at all times. Affirm is easy to use and track sales. Their dashboard lets me see how much money we are making and how often it's used. **What do you dislike about Affirm?** Something that they need to work on is follow-up with new customers. It will be nice if the first 1-3 months after a company is using their services, receive an email, call, or meeting to see hows the performance and if changes are necessary like positon, advertising, or functionality. **Recommendations to others considering Affirm:** N/A **What problems is Affirm solving and how is that benefiting you?** Benefit number one is how easy it's for one of our customers to apply for an Affirm credit. It takes less than 5 minutes. This increase sales ratio and closing sales in our company. ### 6. Great for business! **Rating:** 5.0/5.0 stars **Reviewed by:** sabrina w. | cmo, Small-Business (50 or fewer emp.) **Reviewed Date:** February 23, 2022 **What do you like best about Affirm?** Affirm has helped our small company grow by allowing us to offer our customer's the ability to break their large purchase into smaller payments. Affirm has been flexible and accommodating for us. **What do you dislike about Affirm?** Affirm offers our competitors better rates which makes it harder for us to compete. I understand why (because of the sheer volume that they do) but it is a big disadvantage to us when we are trying to be competitive in our pricing strategy. **What problems is Affirm solving and how is that benefiting you?** The problem we are solving with Affirm is making our product more affordable to the masses. The benefit is that people who otherwise aren't able to afford our product now can afford it! ### 7. Lots of incompetence and extremely poor treatment of their merchant partners **Rating:** 0.0/5.0 stars **Reviewed by:** Verified User in Retail | Small-Business (50 or fewer emp.) **Reviewed Date:** January 21, 2022 **What do you like best about Affirm?** It was an easy way to add financing options for customers if Affirm was more trustworthy **What do you dislike about Affirm?** The Affirm team is riddled with incompetence. Glitches on their end caused their system to cancel a customer's order automatically, yet it was still showing active on my customer's account. After the refund was processed, the customer was still turned off by the experience and did not return to place another order. This glitch cost my company hundreds of dollars in potential profit. It took almost an entire month of numerous emails before Affirm identified the problem in their system. They then placed a test transaction to verify things were working correctly. Months later, they charged me a fee on the transaction their system glitch canceled, as well as the test transaction their employee placed. After three more weeks of back and forth emails, I finally got them to admit they inappropriately withheld the fees from those two transactions and got that money back. I also found out that they had been updating/changing the terms of the merchant agreement without notifying my company, and they repeatedly ignored my request to provide copies of the original policies. Affirm steadfastly refuses to talk to their merchant partners by telephone, which would have likely resolved our disputes in a much more efficient and timely manner. I can not truly convey my level of dissatisfaction with Affirm and its horrible customer service. I will cease to accept Affirm as a payment option through my store in the very near future **Recommendations to others considering Affirm:** Look for other options. Affirm does not care about its merchant partners. Don't be willing to sign agreements with Affirm where they included policies and terms on separate web links instead of the contract document. They have modified the content of those policies and terms without always notifying the other party or seeking the other party's approval. **What problems is Affirm solving and how is that benefiting you?** I thought adding Affirm as a payment option would increase sales, but it became much more of a hassle and liability due to Affirm's failures. ### 8. Didn't come through on a purchase **Rating:** 0.5/5.0 stars **Reviewed by:** Debbie B. | Post Commander, Small-Business (50 or fewer emp.) **Reviewed Date:** February 12, 2022 **What do you like best about Affirm?** The time to pay and the amount really helps **What do you dislike about Affirm?** They should not do loans with treatment plans because the treatments may last longer than the cancellation time, so you don't if the treatment will work until after the cancellation expires. **What problems is Affirm solving and how is that benefiting you?** They acted like they were going to investigate and had me give them every detail about the treatment, the emails, etc... I gave them the requested list just to be told the same thing in every email, that it was past the time and nothing they could do. ### 9. Affirm, a great tool for ecommerce shopping. **Rating:** 5.0/5.0 stars **Reviewed by:** Luke N. | Customer Service Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** December 14, 2021 **What do you like best about Affirm?** Affirm allows our customers to pay over time with great interest rates and many options for payments. Affirm also provides loads of marketing materials and directly interfaces with our Shopify website. It couldn't be easier! **What do you dislike about Affirm?** I have had zero issues so far with Affirm. Their development team and their marketing team have been truly great to work with. If there is a downside, I haven't found it yet. **What problems is Affirm solving and how is that benefiting you?** We have increased our sales on our website by a very good amount just due to affirm giving customers the ability to pay over time. Also when they aren't approved, we can see that and reach out with other options. ### 10. Credit helper **Rating:** 4.5/5.0 stars **Reviewed by:** Karen B. | Teacher **Reviewed Date:** July 24, 2022 **What do you like best about Affirm?** Not affecting your credit as you're trying to build a better credit score and get what you need overtime with payments **What do you dislike about Affirm?** That there is a limit if I'm paying for it **What problems is Affirm solving and how is that benefiting you?** Helps build back credit ### 11. Great Alternative to Credit Cards **Rating:** 5.0/5.0 stars **Reviewed by:** Michelle R. | Licensed Realtor, Small-Business (50 or fewer emp.) **Reviewed Date:** October 19, 2021 **What do you like best about Affirm?** I like best that you get an instant decision without it affecting your credit, and if you don't qualify, you can check back in 15 days. **What do you dislike about Affirm?** It doesn't allow you to browse the different stores in the app without checking how much you qualify for first for each store. **What problems is Affirm solving and how is that benefiting you?** I don't have to use any of my saved cash reserves, and I can pay for large purchases over time with a set payment is one problem using Affirm solves for me. Another is if I have an emergency expense that caught me off guard. The benefits I've realized is that I have had one of those emergencies, and I was able to pay over time, and when I had enough money to pay it off early, I didn't get penalized for doing so. ### 12. A safe and effective way to increase cart values and offer financing **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Retail | Small-Business (50 or fewer emp.) **Reviewed Date:** January 24, 2022 **What do you like best about Affirm?** The thing we love best about affirm is that it has increase the average order value and that it allows us to safely offer finance options to our customers without a credit check **What do you dislike about Affirm?** The only thing we can think of that we dislike about using affirm as a check out option for our customers is that we wish more of our customers could get approved. **Recommendations to others considering Affirm:** We highly recommend affirm as it's the most recognized BNPL company! **What problems is Affirm solving and how is that benefiting you?** The problems we are able to solve by using affirm as a financing option in check out are; Increasing average order value and a risk free way to offer financing to our customers ### 13. A mandatory add on to ensure a comfortable purchase for a customer **Rating:** 4.5/5.0 stars **Reviewed by:** Neel J. | Head of marketing, Small-Business (50 or fewer emp.) **Reviewed Date:** February 24, 2022 **What do you like best about Affirm?** Affirm is a very flexible yet extremely useful and well-built function. **What do you dislike about Affirm?** It's only for the USA currently; we need similar functionality in Europe. **What problems is Affirm solving and how is that benefiting you?** People can purchase the products with ease. Secondly, because they pay an amount monthly, the purchase does not seem expensive. It's a key selling point for us. ### 14. It is stable and realiable to use **Rating:** 4.0/5.0 stars **Reviewed by:** Max W. | Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** February 23, 2022 **What do you like best about Affirm?** It is stable and reliable, easy to install. **What do you dislike about Affirm?** not popular enough among customers, not a lot customers know or use Affirm to make payment. **Recommendations to others considering Affirm:** good **What problems is Affirm solving and how is that benefiting you?** solving the customer's need of after and split payment, it is good ### 15. I have been left to figure if out on my own. **Rating:** 3.0/5.0 stars **Reviewed by:** Mary G. | O, Small-Business (50 or fewer emp.) **Reviewed Date:** July 20, 2021 **What do you like best about Affirm?** I like that the integration with Wix was extremely easy, and it worked immediately. **What do you dislike about Affirm?** That despite repeated requests for information or to answer my questions, even being told to contact my clients success person. I have no idea who that is or how to reach them. I have never had a real response. Even as recently as yesterday when I heard back from a week and a half old email. Just telling me that they were looping in the client success team. I have heard that before and nothing ever comes from it. And all I can ever find is the merchant dashboard and I know there are resources there somewhere, but I still don't know where to look. **What problems is Affirm solving and how is that benefiting you?** I have yet to solve a problem or get a benifit. I'm hoping that changes very soon. ### 16. This program has help us grow by 30% with use of financing **Rating:** 5.0/5.0 stars **Reviewed by:** Jeffrey G. | President, Small-Business (50 or fewer emp.) **Reviewed Date:** June 16, 2021 **What do you like best about Affirm?** 90% approval rate, and super fast to process.. Customers and my sales reps are happy. With our online customers able to check out online with just a click of the button makes for more deals and satisfied customers. I think giving customers ample time to pay off with a discount is a big seller. **What do you dislike about Affirm?** Our fee is too high, and since we are doing all the work, only the customer should have a price that would also allow us to do more financing. We should have a better online portal for in-house deals. That would let my salesman run better reports, and also, i would like access to my customer's info after the fact. I would like better access to seeing how the money deposited with fees, and also we should get our customers info for future contact **Recommendations to others considering Affirm:** Look to see if you have enough profit margin in your sales to make enough profit with the fees affirm takes out. **What problems is Affirm solving and how is that benefiting you?** Affirm will let customers that don't have the money upfront be able to purchase their car audio product quickly. I also seem to have issues with theh way the deposits are made and not easy for us to keep track of whihc deal they are applied to . ### 17. Great for when you in tight money situations **Rating:** 5.0/5.0 stars **Reviewed by:** Karly S. | Team Leader, Small-Business (50 or fewer emp.) **Reviewed Date:** May 24, 2021 **What do you like best about Affirm?** I've used Affirm multiple times for large purchases that made me feel uneasy paying the full amount up front. Being about to make a few payments on a large purchase made us feel more comfortable with our finances during COVID and I was able to get a new computer for work without having to pay $2000 up front. **What do you dislike about Affirm?** Only thing I didn't like was the organization of different catigories and stores. The ease of finding what you need is a little messy and could be organized better. You can only see a few stores at first, and when you search, it shows you every single store, kind of hard to find what different stores they have unless you know exactly what stores they have. **What problems is Affirm solving and how is that benefiting you?** Problems that I am solving with Affirm is not having to pay large sums of money up front. I am able to do payments and even receive loans, without it taking a dip in my credit or even getting denied becase of my credit. ### 18. Offer Clients More Options to Purchase From Your Store **Rating:** 5.0/5.0 stars **Reviewed by:** Josh T. | Business Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** August 24, 2021 **What do you like best about Affirm?** The flexibility Affirm offers our customers to make a purchase. Affirm helps you make more sales to otherwise lost customers **What do you dislike about Affirm?** I haven't seen any real downsides of using affirm. **What problems is Affirm solving and how is that benefiting you?** Benefits are increased average order amounts as people can buy more valuable and higher-margin items with financing through Affirm. ### 19. They’re amazing! **Rating:** 5.0/5.0 stars **Reviewed by:** Jesenia S. | CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** January 20, 2022 **What do you like best about Affirm?** They provide you with options of paying by weekly. **What do you dislike about Affirm?** I like everything! They do an amazing job! **Recommendations to others considering Affirm:** Yes! **What problems is Affirm solving and how is that benefiting you?** Providing my clients with payment options. ### 20. Affirm helped us increase conversion and retention! **Rating:** 5.0/5.0 stars **Reviewed by:** kevin g. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** July 20, 2021 **What do you like best about Affirm?** The simplicity of the process and the wide variety of options affirm gives our customers. With no credit check and different options, we're able to get more customers approved for and increase our store's overall revenue! **What do you dislike about Affirm?** The only thing that we dislike is that the longer financing options are not available to all customers but we understand why. With no credit check you have to be careful. **What problems is Affirm solving and how is that benefiting you?** We're able to get more customers to make larger purchases that they may not have if affirm wasn't available. We've increased the average cart value with affirm. In addition, we've noticed that these customers are more likely to come back and make more purchases in the future. ### 21. Not Exactly What They Are Hyped To Be... **Rating:** 0.5/5.0 stars **Reviewed by:** Ceric L. | Chief Executive and Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** October 21, 2021 **What do you like best about Affirm?** Ease of Application process and approval **What do you dislike about Affirm?** Quick to send to Collections! Not a fan. **Recommendations to others considering Affirm:** Affirm is a great place to get payment-based purchases with little to no credit. HOWEVER, if you get on their payment plans, make sure you are timely with your payments. They are quick to send to collections and they will blacklist you instantly and forever if you miss a single payment. Their business practices are less than admirable and short on kosher. **What problems is Affirm solving and how is that benefiting you?** No problems to be solved, due to a misrepresentation on their behalf, I misunderstood. Even with the bill paid in full, they denied future credit. **Official Response from Monica Petchakan:** > We're sorry to hear this, Ceric! Please note that late payments may hurt your credit score and impact your chances of taking out another loan with us. Affirm will only report your payments if they are 30 days past the original due date. However, because FICO and credit bureaus calculate your credit scores in ways that are not publicly known, we can’t predict exactly how your credit score will be affected. ### 22. Affirm is a great resource for financing without having to involve your credit card! **Rating:** 5.0/5.0 stars **Reviewed by:** Stephanie O. | Marketing and Communications Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** April 26, 2021 **What do you like best about Affirm?** The best thing about Affirm is that you can purchase items online without having to pay right away. With a credit card, you'd have to pay interest. With other companies, you have to pay fees on top of the item's price, but with Affirm, you purchase now and pay in fixed monthly payments over time. I recommend that everyone use Affirm for business or personal use. I use it all of the time. It is helping me get out of that nasty credit card debt that can ruin your credit and keep you in financial strain. **What do you dislike about Affirm?** There is nothing really to dislike about Affirm. What is there not to like? You can set up your payments, and they send reminders that the money is due so you are prepared, so you do not have to worry. If anything you may forget that you have set up Affirm to finance an item, but you really shouldn't forget with all of their reminders. **What problems is Affirm solving and how is that benefiting you?** Affirm is helping save people from credit card debt and financial strain. There are many benefits to using Affirm. You can get your item before you have completely finished purchasing it, which is a lot better than layaway. You don't have to worry about accruing fees and interest. With a credit card, if you don't pay your purchase off in a month you have to pay interest on the items you bought. With Affirm, you pay the price that the item costs and that is it! ### 23. I use it for business and personal! **Rating:** 5.0/5.0 stars **Reviewed by:** Rolando P. | President and CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** June 25, 2021 **What do you like best about Affirm?** I like that I can get things quickly, If I don't want to spend the money that day I can get whatever it is and pay at my pace or just pay it off before all the interest kicks in. **What do you dislike about Affirm?** Thus far I am pretty happy both on the sales side and the purchasing side. I just wish it was more widely accepted at other retailers. **What problems is Affirm solving and how is that benefiting you?** The primary problem that I have seen resolved with affirm is in my business, my customers that may not have the money at that particular moment or don't want to load up a credit card still have an option if they want to buy from us. ### 24. Great way to offer no-hassle financing to customers. **Rating:** 5.0/5.0 stars **Reviewed by:** Doug W. | Webmaster, Small-Business (50 or fewer emp.) **Reviewed Date:** December 14, 2021 **What do you like best about Affirm?** Super easy to setup and implement with Woocommerce. **What do you dislike about Affirm?** I don't really have anything I don't like. **What problems is Affirm solving and how is that benefiting you?** Allowing customers more options for big ticket items. ### 25. Easy Financing For Your Site **Rating:** 2.5/5.0 stars **Reviewed by:** Verified User in Retail | Small-Business (50 or fewer emp.) **Reviewed Date:** February 23, 2022 **What do you like best about Affirm?** I like that it is quick and easy to add financing to my site **What do you dislike about Affirm?** There is a maximum cap on the size of the purchase **What problems is Affirm solving and how is that benefiting you?** It is allowing my customers to defer payment and in turn increase average order value ### 26. Great Service **Rating:** 5.0/5.0 stars **Reviewed by:** Mequel H. | Employee Benefits Specialist Reconition, Small-Business (50 or fewer emp.) **Reviewed Date:** August 24, 2021 **What do you like best about Affirm?** The settlement report comes every night sale or no sale, and it also comes at a great time. **What do you dislike about Affirm?** Not everyone qualifies for the service affirm offers. **What problems is Affirm solving and how is that benefiting you?** Give more of my customers an option to pay and not spend all their money at one time. It helps keep my money flow going. ### 27. Affirm ups and downs **Rating:** 4.5/5.0 stars **Reviewed by:** Al Y. | Customer service and home adviser **Reviewed Date:** November 20, 2021 **What do you like best about Affirm?** Opportunity to buy and used installment to purchase **What do you dislike about Affirm?** Approved one minute, same day could be denied **What problems is Affirm solving and how is that benefiting you?** One order was cancelled. Affirm is rating me poorly even though once processed I am owed a refund there is no missed payments ### 28. Affirm for e-commerce **Rating:** 5.0/5.0 stars **Reviewed by:** Kayla S. | E-commerce & Marketing Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** June 16, 2021 **What do you like best about Affirm?** Affirm was very easy to implement into our BigCommerce website. It has been great to offer the option for payment financing to our shoppers. **What do you dislike about Affirm?** We do wish there were more periods of 12 month zero interest financing without the fees for the retailer. Otherwise it has been great. **What problems is Affirm solving and how is that benefiting you?** We have been able to offer payment financing with our shoppers, which we did not have prior to using Affirm. It has helped increase sales across various departments for our stores. ### 29. Affirm is an easy to use platform that helps you pay for your purchases over time! **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Non-Profit Organization Management | Small-Business (50 or fewer emp.) **Reviewed Date:** May 01, 2021 **What do you like best about Affirm?** The thing I like the most about Affirm is how easy it is to use and navigate, especially compared to other programs (like AfterPay). I also like that I can purchase large ticket items (like a couch) and pay for them over a period of time. The program is clear and organized, and I can easily find the information I need. **What do you dislike about Affirm?** In my experience, I haven't seen any downsides of using Affirm. I would use Affirm again and prefer it to other programs. **What problems is Affirm solving and how is that benefiting you?** The problem I am solving by using Affirm is being able to pay for big purchases over time helps us afford items we need. For example, without Affirm, we would not have been able to purchase a new couch and chair for our new home. Having 6 months to pay the purchase off was crucial. ### 30. Affirm has been a great payment method addition to our e-commerce store! **Rating:** 4.5/5.0 stars **Reviewed by:** Brady F. | Brand Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** June 25, 2021 **What do you like best about Affirm?** The UI is incredibly user friendly and straightforward. Virtually no setup time necessary following the initial website implementation and payments are processed quickly. **What do you dislike about Affirm?** Only negative would be that the fees are higher than what we are accustomed to. Wish they would do more 0% promotional financing throughout the year! **What problems is Affirm solving and how is that benefiting you?** Affirm is helping our customers finance product at checkout in a timely and efficient manner. ### 31. Affirm runs great on our site. **Rating:** 4.5/5.0 stars **Reviewed by:** Brian M. | marketing Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** June 25, 2021 **What do you like best about Affirm?** It helps us convert sales because some of our stuff is expensive. **What do you dislike about Affirm?** That setup was a bit hard, and they don't talk to you on the phone. **Recommendations to others considering Affirm:** Have a person on the phone for setup. I set Affirm up in 2018, so things may have changed by now. **What problems is Affirm solving and how is that benefiting you?** It fixes our issue of financing. Affirm is well recognized, so people trust it ### 32. Affirm has been a great payment option for our customers with pain-free implementation. **Rating:** 5.0/5.0 stars **Reviewed by:** Joshua R. | Sales Team Manager, Mid-Market (51-1000 emp.) **Reviewed Date:** June 25, 2021 **What do you like best about Affirm?** Popular payment alternative, simple integration. **What do you dislike about Affirm?** I haven't found any downsides to it at this point. **What problems is Affirm solving and how is that benefiting you?** Making it easier for the customer to buy a high dollar item. They know that they don't have to take that hit upfront. They can spread it out over several months. ### 33. Great Partner for ecommerce retailers **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Consumer Electronics | Small-Business (50 or fewer emp.) **Reviewed Date:** September 27, 2021 **What do you like best about Affirm?** They are easy to integrate and have high acceptance rate **What do you dislike about Affirm?** the rates are a bit higher than I would like **What problems is Affirm solving and how is that benefiting you?** Helps consumers afford our product by allowing payments over time. ### 34. frictionless payment alternate process **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Information Technology and Services | Mid-Market (51-1000 emp.) **Reviewed Date:** September 23, 2021 **What do you like best about Affirm?** The seamless experience from merchant to payment gateway. **What do you dislike about Affirm?** Need more detailed reporting to support decision making **What problems is Affirm solving and how is that benefiting you?** Problem; Additional payment method and option to extend product on installments or loan help to reach an additional cohort Benefits: I see two major benefits Revenue: In general, the average order value for Affirm order is 2.5X New Customer: Enabling us to reach out to dditional cohort Thanks, Aashima ### 35. Affirm gets the job done! **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Automotive | Small-Business (50 or fewer emp.) **Reviewed Date:** June 16, 2021 **What do you like best about Affirm?** Affirm was easy to implement and it's user-friendly. I appreciate the dashboard as it's easy to navigate. Any new user can quickly find what they are looking for and be given minial training. **What do you dislike about Affirm?** When orders do get stuck and/or not completed, we don't have the ability to push these orders through. We need to contact support. **What problems is Affirm solving and how is that benefiting you?** We're capturing 9% of customers who never would have purchased with us since our product is a higher price point. ### 36. Worth The Wait **Rating:** 5.0/5.0 stars **Reviewed by:** Tiffany B. | Licensed Esthetician **Reviewed Date:** July 11, 2021 **What do you like best about Affirm?** Helps with bigger purchases! Ease of use **What do you dislike about Affirm?** It was hard at first to prove my identity since my mum passed and I took over her phone number **What problems is Affirm solving and how is that benefiting you?** It took time but it was easy from thereforth ### 37. Affirm Review **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Health, Wellness and Fitness | Small-Business (50 or fewer emp.) **Reviewed Date:** May 03, 2021 **What do you like best about Affirm?** Ease of use, only a few short steps and I was signed up a quick loan, very tech savvy, and communication is great. **What do you dislike about Affirm?** Nothing as of yet. I have been using Affirm since January 2020 and have not come across anything I dislike. **Recommendations to others considering Affirm:** None **What problems is Affirm solving and how is that benefiting you?** Having the funds on hand to make a purchase, auto payments help to make payments on time. ### 38. Quick qualification **Rating:** 4.5/5.0 stars **Reviewed by:** Marc S. | Loan Originator, Small-Business (50 or fewer emp.) **Reviewed Date:** April 28, 2021 **What do you like best about Affirm?** The quick credit qualification process for making online purchases. **What do you dislike about Affirm?** The app can sometime provide different credit limits as compared to the option on e-commerce sites. **What problems is Affirm solving and how is that benefiting you?** Helps clients create affordable options without using existing credit. ### 39. Very beneficial to website sales. Buy now pay later is a very good option to have. **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Automotive | Mid-Market (51-1000 emp.) **Reviewed Date:** June 25, 2021 **What do you like best about Affirm?** I like how Affirm respects are our policies. **What do you dislike about Affirm?** The fees as any business owner they are a little high. **What problems is Affirm solving and how is that benefiting you?** We are solving the issue of new credit. New customers can establish new credit with Affirm. ### 40. Love affirm **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Retail | Small-Business (50 or fewer emp.) **Reviewed Date:** June 25, 2021 **What do you like best about Affirm?** Simple, just set it up and dont have to touch it **What do you dislike about Affirm?** would prefere lower rates but wouldnt we all! **What problems is Affirm solving and how is that benefiting you?** I sell high ticket items, it takes away that barrier to entry ### 41. Affirm **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Insurance | Enterprise (> 1000 emp.) **Reviewed Date:** May 01, 2021 **What do you like best about Affirm?** Pay over time at your favorite brands and outlets. **What do you dislike about Affirm?** The customer support should be improved for the benefits of customer. **Recommendations to others considering Affirm:** We can use affirm for all our financial needs and it's very convenient. **What problems is Affirm solving and how is that benefiting you?** Pay to our favorite brands and outlets it's very convenient. ### 42. Great brand, great digital product, great people **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Retail | Mid-Market (51-1000 emp.) **Reviewed Date:** December 08, 2020 **What do you like best about Affirm?** We worked with Affirm for several years when I ran marketing and ecommerce at Leesa Sleep. They had great integrations with Shopify, a lot of opportunities to A/B test their new products and loved the ability to customize tranches based on SKU. **What do you dislike about Affirm?** Never really had any complaints in working with them **What problems is Affirm solving and how is that benefiting you?** We were able to introduce lower income buyers to our mattresses and increased our overall conversion rate ### 43. Best in class point of sale financing, but not for all demographics **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Consumer Goods | Small-Business (50 or fewer emp.) **Reviewed Date:** December 17, 2020 **What do you like best about Affirm?** The product is first rate and the integration went smoothly. **What do you dislike about Affirm?** At the end of the day Affirm did not work for our business. It was not able to be used by enough of our users to make it worthwhile. **What problems is Affirm solving and how is that benefiting you?** Affirm enabled more customers to purchase since the upfront cost is so much less when compared to traditional checkout or other financing alternatives. ### 44. Affirm helps me get the things I want really easily **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Alternative Medicine | Small-Business (50 or fewer emp.) **Reviewed Date:** January 09, 2021 **What do you like best about Affirm?** I like being able to buy things now and pay later **What do you dislike about Affirm?** I do not like how you have to be approved by your credit score when other apps like Klarna and Afterpay dont do that **What problems is Affirm solving and how is that benefiting you?** The benefits are you can get what you want by making 4 small payments ### 45. Great financial loan solution for any online business. **Rating:** 5.0/5.0 stars **Reviewed by:** Luke M. | Customer Service, Small-Business (50 or fewer emp.) **Reviewed Date:** June 11, 2019 **What do you like best about Affirm?** I really like the ease of use and the knowledge of their onboarding team. All of our questions were answered promptly and professionally. They can tailor your needs to their products. **What do you dislike about Affirm?** At the moment, If a customer wants to add to the order after the application process, they have to pay for it in full or apply for the loan again at the higher amount. Not really a big deal, but if the customer doesn't select everything right online it is hard to make changes. **Recommendations to others considering Affirm:** A great solution to those who accept credit cards online, which is everyone. They take the headache of creating the loan and paying you directly. They handle everything else! **What problems is Affirm solving and how is that benefiting you?** We have seen more sales and an increase in website traffic thanks to the addition of Affirm. We are able to reach another part of the market that we were not able to previously. ### 46. Simple, but Secure **Rating:** 4.0/5.0 stars **Reviewed by:** Katherine A. | All Freelance, Small-Business (50 or fewer emp.) **Reviewed Date:** April 19, 2019 **What do you like best about Affirm?** Affirm is wonderful because it allows customers to check eligibility for payments and plans...it also does not impact credit score! **What do you dislike about Affirm?** Affirm is honestly pretty easy to use, but it also should consider splitting the compensation of late payments with the selling company. **Recommendations to others considering Affirm:** Make sure that you can keep up with monthly payments **What problems is Affirm solving and how is that benefiting you?** Affirm solves the problem of affordability and allows more people to purchase items from the company. It’s beneficial for our revenue and the client is more likely to purchase. ### 47. Too much trouble for customers **Rating:** 1.0/5.0 stars **Reviewed by:** Verified User in Retail | Mid-Market (51-1000 emp.) **Reviewed Date:** June 17, 2019 **What do you like best about Affirm?** Offers options for customers with limited purchase power **What do you dislike about Affirm?** Too many customers have issues using Affirm and completing checkout. Failed attempts cause multiple affirm records, but do not result in an order causing frustration. We can't help because the interaction is with affirm not us, but customers don't understand that. **Recommendations to others considering Affirm:** Get proper support, and make sure your end user interface is easy and glitch free **What problems is Affirm solving and how is that benefiting you?** The hope was higher dollar orders, this hasn't been confirmed in over a year ### 48. Easy installment payments, simple integration **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Consumer Electronics | Small-Business (50 or fewer emp.) **Reviewed Date:** January 20, 2019 **What do you like best about Affirm?** Affirm provides a checkout experience that offers installment plans for customers. They also do the payments processing. Their UI is incredibly simple, modern, and intuitive, and the installation process for adding them as a payments processor/option is quite simple if you already host a shopping site on a popular platform like Shopify. The checkout process for customers is also extremely simple, requiring very little information, and overall being a very quick additional step in the payments process. **What do you dislike about Affirm?** The process of getting approved for as a business partner experience can be quite cumbersome at some points, but otherwise, the portal for businesses to control the payment experience is quite good. There also seems to be somewhat limited support for integrating Affirm as a payment processor beyond Shopify and a few other shopping platforms, but it looks like they are expanding this functionality quite quickly. I also dislike that users need to be re-directed to their website to complete the payment process. It would nice to have this functionality integrated into each selling website without the need for redirects. **Recommendations to others considering Affirm:** For those looking for expanding payment functionality, Affirm is a great option that allows for customers to pay in installment plans. The application and integration process is quite simple, but may take a bit of time. Otherwise, this service is amazing and takes very little work to add as part of the checkout experience for customers! **What problems is Affirm solving and how is that benefiting you?** Affirm allowed us to give customers the option of paying for their goods and services via an installment plan, with a range of APR options (depending on their credit score), and loan repayment plan lengths (6-18 months I believe). This provides for an extremely flexible payment plan that is beneficial for a lot of customers that may not be in the price range of the products offered without Affirm as a payment option. ## Affirm Discussions - [What is special about Affirm?](https://www.g2.com/discussions/what-is-special-about-affirm) - 1 comment - [View Affirm pricing details and edition comparison](https://www.g2.com/products/affirm/reviews?section=pricing&secure%5Bexpires_at%5D=2026-06-04+02%3A06%3A01+-0500&secure%5Bsession_id%5D=5a0e0fa1-faa0-4c76-8f1c-47f8830464bc&secure%5Btoken%5D=ebcb12441cb6675253496bf5538f41474a305fd5a48990ce3fb073deae1638c2&format=llm_user) ## Affirm Features **Administration - Installment Payment and Buy Now Pay Later (BNPL)** - Email Notifications - Customer Portal - Loyalty Management **Payment Tools - Installment Payment and Buy Now Pay Later (BNPL)** - Payment Gateway - Payment Tracking - E-commerce Integration - Payment Scheduling **Agentic AI - Installment Payment and Buy Now Pay Later (BNPL) features** - Adaptive Learning - Proactive Assistance - Decision Making ## Top Affirm Alternatives - [Sezzle](https://www.g2.com/products/sezzle/reviews) - 4.6/5.0 (119 reviews) - [Klarna](https://www.g2.com/products/klarna/reviews) - 3.2/5.0 (56 reviews) - [Afterpay](https://www.g2.com/products/afterpay/reviews) - 4.1/5.0 (42 reviews)