# Page 2 | Affirm Reviews 2026. Verified Reviews, Pros & Cons | Capterra

> Page 2 - Is Affirm the right eCommerce solution for you? Explore 52 verified user reviews from people in industries like yours to make a confident choice.

Source: https://www.capterra.com/p/218694/Affirm/reviews

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Affirm

4.8 (52)

[View alternatives](https://www.capterra.com/p/218694/Affirm/alternatives/)

Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/)

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Last updated March 13th, 2026

# Page 2 - Reviews of Affirm

## Showing most helpful reviews

Showing 26-50 of 52 Reviews

Sort by:

Most Helpful

Rating

Company Size

Reviewer's Role

Length of Use

Frequency of Use

SB

Sierra B.  
Consumer  
Consumer Services  
Used the software for: I used a free trial

### "Affirmatively easly"

June 1, 2025

5.0

My experience over all with Affirm has been easy to navigate and very simple to use. Haven't had any issues except slow loading pages as described above.

Pros

What I like most about Affirm aside from the ease of use, its great for big purchases that you can't out right afford or justify at the moment, and breaks your bill up into payments to pay over time.

Cons

I don't have any complaints about Affirm that I can think of off the top of my head aside from slow loading pages but that is probably just my internet.

Review Source

WL

Whitney L.  
Business Owner  
Consumer Goods  
Used the software for: 2+ years

### "Affirm great for Pay-in-4 option"

April 6, 2025

5.0

Pros

The payment in 4 option and wide selection of stores it covers both in store and online

Cons

The limited use of purchasing with the virtual card to use anywhere and not store specific they have.

Review Source

XL

Ximena L.  
Events Manager  
Events Services  
Used the software for: 2+ years

### "Safe and Fast "

February 6, 2025

5.0

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.

Review Source

WD

Will D.  
Owner  
Individual & Family Services  
Used the software for: 1-2 years

### "Use it, it's worth it"

April 16, 2025

5.0

I enjoy using it and makes my life simpler

Pros

Ease of connecting potential purchases with payment plans that meet my needs

Cons

It is constantly reaching out about varying promotions that do not apply to me

Review Source

AM

Amy M.  
Clerk  
Government Administration  
Used the software for: 6-12 months

### "Amy's review"

February 12, 2025

5.0

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.

Review Source

OK

Omar K.  
Fulfillment specialist  
Broadcast Media  
Used the software for: 1-2 years

### "Affirm helps you pay!"

January 11, 2025

5.0

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!

Review Source

SF

Sarah F.  
Owner  
Apparel & Fashion  
Used the software for: 2+ years

### "Affirm is great for pay in 4 processing"

November 7, 2024

5.0

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

Review Source

TT

Tommy T.  
AV Technician  
Construction  
Used the software for: Less than 6 months

### "Financial Option with plenty of support."

January 17, 2025

5.0

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.

Review Source

DS

Dannon S.  
administrator  
Automotive  
Used the software for: Less than 6 months

### "Works fine"

January 31, 2025

5.0

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](https://www.capterra.com/p/124869/Synergist/)

Reason for choosing Affirm

easy to use. known by many people, so there is a built-in trust

Review Source

DW

Driale W.  
Owner  
Consumer Services  
Used the software for: 6-12 months

### "Mixed feeling but overall great "

April 22, 2025

5.0

Overall I think it’s a great program if you can qualify for it! However, those who are unable to qualify loses out on benefits from the program

Pros

That is gives you an option for flexible payment which is wonderful!

Cons

Hard to get approved! They go based off credit which is a headache because not everyone has good credit!

Review Source

BP

Brittany P.  
Manager  
Food & Beverages  
Used the software for: 1-2 years

### "Great chance of approval "

March 13, 2025

5.0

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

Review Source

LL

Leah L.  
Study Coordinator  
Hospital & Health Care  
Used the software for: 1-2 years

### "Affirm User Review"

January 27, 2025

4.0

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.

Review Source

AM

Alexander M.  
Repair Technician  
Biotechnology  
Used the software for: 6-12 months

### "Affirm can help you make larger purchases with smaller payments"

May 12, 2025

5.0

Overall Affirm is a great tool to help make larger purchases by making smaller payments.

Pros

I really like how Affirm helps me to make payments on certain purchases that i would otherwise have trouble afford.

Cons

It would be nice to have more websites and stores added to their phone app.

Review Source

JA

Joe A.  
Owner  
Automotive  
Used the software for: 1-2 years

### "Okay service "

December 21, 2024

3.0

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](https://www.capterra.com/p/155895/WorkforceNow/)

Reason for choosing Affirm

I didn’t choose affirm after using for 2 years.

Review Source

DG

Dalisa G.  
Talent and payroll specialist  
Consumer Services  
Used the software for: 6-12 months

### "Great and easy"

March 26, 2025

5.0

Pros

I can buy stuff and make my payments slow.

Cons

For me everything works perfect, love this.

Review Source

ML

Madison L.  
Business Development Manager  
Construction  
Used the software for: 1-2 years

### "Good App!!"

September 8, 2024

5.0

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

Review Source

AI

ADRIANO I.  
CFO  
Retail  
Used the software for: 2+ years

### "It was good until it wasn't..."

June 13, 2024

4.0

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.

Reason for choosing Affirm

Recommendation from friends and other businesses.

Review Source

AB

Autumn B.  
Designer  
Arts and Crafts  
Used the software for: Less than 6 months

### "Love this service"

May 30, 2024

5.0

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

Review Source

SB

Sarah B.  
Research Analyst  
Market Research  
Used the software for: 2+ years

### "Great For Large Purchases"

August 17, 2023

5.0

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.

Review Source

DB

Destiny B.  
Bartender  
Food & Beverages  
Used the software for: 6-12 months

### "Payment plan we all love"

May 17, 2024

3.0

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

Review Source

VR

Verified Reviewer  
Chief Evangelist  
Computer Software  
Used the software for: Less than 6 months

### "A great option to receive recurring revenue"

May 26, 2022

5.0

Pros

A great ecosystem where Affirm is accepted 0% Splits available for large purchases Ability to choose your payment terms for monthly installments

Cons

Only available in the US, Canada, and Australia and not available anywhere else. But, no cons with respect to the tool itself.

Alternatives considered

[Klarna](https://www.capterra.com/p/230509/Klarna/)[PayPal](https://www.capterra.com/p/207944/PayPal/)[Recharge](https://www.capterra.com/p/206617/ReCharge-Payments/)

Review Source

sB

stacey B.  
service writer  
Transportation/Trucking/Railroad  
Used the software for: 2+ years

### "Great functionality and ease of use"

December 7, 2022

5.0

I love that i can use this to pay for big items in segments

Pros

I love that i can use this to finance things on the holiday

Cons

I don't like that even if I'm paid up on my open loans, sometimes it doesn't allow me to take out another loan.

Review Source

MH

Meghann H.  
Owner and Operator  
Retail  
Used the software for: 2+ years

### "Awesome Payment Processing"

December 18, 2023

5.0

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.

Review Source

EB

Elizabeth B.  
Agent  
Insurance  
Used the software for: 6-12 months

### "Affirm "

July 19, 2022

5.0

It has been very easy to use and the process is super fast. I will definitely recommend to friends and family

Pros

I truly like how simple it is to qualify

Cons

The application is very simple to use could use some more details on the transaction.

Review Source

jH

johnny H.  
Production worker  
Warehousing  
Used the software for: 6-12 months

### "Payment made easy & affordable "

August 25, 2023

5.0

Pros

With affirm I can pay installments with what I purchased & that’s better for people like me that can’t afford to pay It in full

Cons

I honestly don’t have any negative remarks

Review Source

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