--- title: Affirm Reviews meta_title: 'Affirm Reviews 2026: Details, Pricing, & Features | G2' meta_description: Filter 48 reviews by the users' company size, role or industry to find out how Affirm works for a business like yours. aggregate_rating: rating_value: 4.3 review_count: 48 scale: '5' date_modified: '2026-06-21' parent_category: name: Payment url: https://www.g2.com/categories/payment --- # 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 Affirm for its **affordable payment plans** that ease financial pressure and enhance buying power. (2 reviews) - Users value the **ease of use** of Affirm, enjoying quick setup and a smooth shopping experience with clear terms. (2 reviews) - Users appreciate the **flexible payment options** of Affirm, facilitating stress-free purchases without hidden fees or financial pressure. (2 reviews) - Users appreciate the **convenience** of Affirm's payment plans and quick setup, enhancing their shopping experience significantly. (1 reviews) - Users find the **easy setup** of Affirm to be quick and seamless, enhancing their overall purchasing experience. (1 reviews) - Interest Rates (1 reviews) - No Fees (1 reviews) - Pay Later (1 reviews) - Real-time Updates (1 reviews) **What users dislike:** - Users report that **high interest rates** can lead to unexpected repayment costs and negatively impact their credit score. (1 reviews) - Users report experiencing **high fees** with Affirm, making repayments more expensive and potentially leading to debt issues. (1 reviews) - Users find the **lack of clarity** regarding eligibility for products frustrating and desire better labeling or information. (1 reviews) - Users caution about the **potential for late fees** and high interest rates, impacting repayment and credit scores. (1 reviews) - Users report **limited acceptance** of Affirm, which can restrict payment options and lead to higher costs unexpectedly. (1 reviews) ## Affirm Reviews ### 1. 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. ### 2. 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. ### 3. 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. ### 4. 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 ## 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?filters%5Bnps_score%5D%5B%5D=1&open_modal_url=%2Fde%2Fproducts%2Faffirm%2Fwishlists%3Fhost_path%3D%252Fproducts%252Faffirm%252Freviews%253Ffilters%25255Bnps_score%25255D%25255B%25255D%253D1%26source%3Dsticky_header_pin§ion=pricing&secure%5Bexpires_at%5D=2026-06-23+19%3A33%3A55+-0500&secure%5Bsession_id%5D=35432f34-b40a-4861-8fd3-f08591c45e7c&secure%5Btoken%5D=37a5302f7de4687ae6ba2b3147ed68f86c87d8ac7baadbe6b83bbb0a23e62762&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)