Affirm: Buy Now, Pay Later

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Pay at your own pace with Affirm’s browser extension. Get prequalified while you shop and choose a payment plan. With no fees, ever.

Latest reviews

• (2025-07-04) MICHAEL HAUBRICH: I don't know what you want
• (2025-07-01) Barry Chumley: I was appoved for 4200, after small purchase it says maximum of $2000I do'nt understand
• (2025-06-27) james boyd: Disappointed and Done with Affirm!!! I used Affirm consistently for over two years without ever missing a single payment. I was approved for several thousand dollars, kept my balance low—just a few hundred—and always paid on time. Suddenly, with no warning or explanation, my purchasing power dropped to zero. I’ve had the same stable job for nearly 20 years and pay all my bills on time, so this change makes absolutely no sense. I was planning a new purchase, but now that’s off the table. It’s incredibly frustrating—especially after building a perfect payment history. Once I finish my last two payments, I won’t be using Affirm again. They lost a loyal customer for no good reason. If they want my money, they need to reach out to me personally and I know that's not happening.
• (2025-06-20) Janie Gonzalez: this balance should of been paid already need my whole statements since I started shopping with your company if not my lawyer will get a hole of your company. Thank you, Janie Gonzalez
• (2025-06-03) Mark Dobuzinsky: Affirm is great they take care of everything and all you have to worry about is just enjoy the product you purchased
• (2025-05-19) Steve Maislin: Very easy to use auto-payments and pleased with how vendors can offer no interest over time for various purchases. Affirm offers financial value to me for specific transactions.
• (2025-05-19) BWB Enterprises, Inc.: Yes I agree their interest rates are hight. But it gives people a way to start over again and build credit. And because I that I am building my own online business. Without Affirm and Paypal I could not have done that. So, Thank you
• (2025-05-13) Rhonda Blankenship: Affirm is the best thing I have found in a long time. There are absolutely no hidden fees and I can purchase when I need to. I have purchased several large items from Walmart and love how quickly I was able to pay off the loan.
• (2025-04-29) Perry Hillyer: Actually, I have been very pleased with Affirm. For a number of years now, Affirm has made it possible for major purchases and help with the last couple of Christmas's too. My HAT'S off to you at Affirm, thank you.
• (2025-04-16) GC Hunt: When you need something Affirm is a great way to do it. Interest rate was high at first. But I doubled the amount of payment and started seeing a different interest rate. Of course when I got the item paid off. Better deals started to happen. The "Get your card" in 2 clicks thing can be misleading. So if you need to stretch out payments and can do the 0 interest plan. Things work out nicely. Just pay it on time or even a little earlier and watch how fast what you wanted is all yours.
• (2025-03-31) Dave R: Just a little disgusted with Affirms' handling of my account after being approved for over $7,000 purchase credit. When placing my order and checking out, my order is continually denied. I did call Affirm support and what a JOKE. They couldn't help or maybe, they didn't know how to do their job. I finally gave up and used another service. Very frustrating and disappointing when wanting to use their services. Affirms support needs some help, especially when there is a pre-approved amount a lot more than the purchase and it is denied. Their call support can't explain to me what the issue might be. Or maybe they don't even know and can't explain what to do to fix it. I would not recommend their services, if ever asked for my opinion. as it wouldn't be good.
• (2025-03-14) Macon Sustainable Development Co: Refused to accept payments other than bank accounts not allowing me to use a credit card, and placed late payments on my credit as the hurricane shut our business down without revenue in the bank to make the payments.
• (2025-02-09) Heather Tackett: I think Affirm and Amazon work great together. Amazon was basically where I Shopped for Christmas. They also help to improve credit. I think everyone should use Affirm, Klarna, and Shop instead of their credit cards unless you absolutely need to.
• (2025-01-15) T Williams: I bought a item a temu it suposto be 5 foot it was 3 foot i returned it they said no refund cause it was used haha it was not used that grosse so they never sent the item back & keep the money well affirm found me responsible and said i have to pay They stole my item & would not give me the item back or refund so in my eyes I think they robbed me & are messing with my credit if i dont pay its a sad thing thanks affirm its bull$
• (2024-12-26) jim neilson: Love this app! Easy to use and comes in very handy when you want to not pay for order all at once. Will continue to use it or as long as possible.
• (2024-12-18) Cody Dalton: I was alerted to several suspicious text messages regarding unauthorized purchase attempts on my Affirm account. Upon contacting customer service, I learned that two recent loan applications had been denied. To ensure my account's security, they offered to lock it and investigate the origin of these attempts. The customer service representative was both efficient and courteous throughout the process.
• (2024-12-18) Lynn Thompson: Affirm is fast, easy, friendly and a great way to have purchasing power and make reasonable, affordable payments. I like being able to choose the payment amount and I have made numerous purchases with Affirm and LOVE IT. Never had a single problem with the website or anything else. I intend to use Affirm, it is safe and secure. The only thing is I don't like how the page has to be moved up and down to see each account, and I wish it would put a picture of the order on each account so I know for sure what the items are and where they come from. Yes, that is how much I use Affirm and it can be tedious trying to track the accounts because of the way the site operates. But I'll get over it because Affirm is just too good not to use.
• (2024-12-18) Bill Meiers: it did work same day disappointed
• (2024-11-30) Bryan Bott: The idea of the Extension is great, but it is incredibly clunky. I sign in, but it doesn't actually sign me in. Or it errors out when trying to check out at a store, but still charges me the first payment. Needs a lot of work to make it actually functional.
• (2024-11-30) Marcia S: My checking account (debit card) was charged but yet the payment has not yet been applied to my affirm account. The transaction happened on November 13 and today is November 29. more than 2 weeks ago
• (2024-11-28) Rara Avis Forever Home: I rescue animals and its been a life saver, literally.
• (2024-11-20) Tania Joseph: I only dinged a star for the higher interest rate, but 'everybody has to make a dollar.' I have used Affirm quite a few times now, dare I say about 10 times. I like how you can space out the payments, therefore making purchases more affordable for you...even if you don't consider yourself to be good with money. AFFIRM makes you feel like a star, and a billionaire (remains a dream, for now).
• (2024-11-09) Janna C: The payments are manageable, and it is so easy to keep track of what you are needing to pay. They are so easy to use and yes, the percentage is high but there are no hidden costs that often happen with companies like them. I like the company so far.
• (2024-11-07) David Epstein: Great option for credit, too good actually! Took me about 30 days on eBay to max myself out. Using autopay assures effortless on-time payments which they monitor and give you the option of increasing your "buying power" or as we say, credit limit so don't be like me with it, use it judiciously!
• (2024-11-02) Taino Warrior: % Rate is high and theirs no credit ding, no hiden fees when using it. Gotta take the good with the bad. Also you can manage your payments easily. Been using Affirm for years and enjoy the simplicity of it.
• (2024-10-31) The Legendary Lingo: No ding on credit score: Check Pay overtime for larger purchases: Check No hidden fees, you chose payback plan that is right for you: Check You can create a virtual card usable almost everywhere: Check Your purchase power increases with payback of loans: Check The best payment/purchase option currently on the planet.
• (2024-10-23) robert tucker: Love Affirm..Very easy to use for purchases. They do what they say and there absolutely are no hidden fees. You know immediately what your payments are going to be based on the length of time you choose. Highly recommend it to anyone that wants easy payments based on your credit worthiness.
• (2024-10-18) Marie Alexander: Have been using Affirm for several years and never had a problem. I find it a convenient way to pay for large purchases over a flexible time period. Have never had a problem with debit payments or credits.
• (2024-10-15) Leo Corporal: Not working in Canada. Using the chrome extension app, endless loop to sign in.
• (2024-09-30) Mary M Garza: A fantastic way to buy with flexible terms.
• (2024-09-26) Dean Cully: I have been using autopay from my checking account or credit card for all of my various payment services for 15 or more years, including mortgage payments. I know how to set up and use autopay and it works, except with Affirm. I was never able to get Affirm's autopay system to make debits from my credit union checking account for four months. Today I gave up trying to do online business with Affirm and paid off my account over the telephone (laboriously). To prevent further risk to my 871 credit score, I will never do business with Affirm again.
• (2024-09-01) Joanna. Maw schultz: this is much better then a credit card, everything is up front, it has really helped.when we needed something,and we were out of money before the check came,
• (2024-08-29) Cw CALVIN WAYNE COOK: I DID EVERYTHING RIGHT !! RECEIVED VIRTUAL CARD 💳 ?? GAVE IT TO K&S TIRE IN KINGFISHER OK ?? IT WAS DECLINED ?? SO I DID EVERYTHING AGAIN & IT WAS DECLINED AGAIN !!! I REALLY NEEDED THIS TO WORK !!
• (2024-08-28) Tonia Dotson: I LOVE affirm great when you need or want something that you just can't afford right away, especially around the holidays.:)
• (2024-08-21) Angel Fire M: I Love Affirm. Very friendly to clients in purchases, servicing and easy payments. Have helped me a lot. I would not change them for any other... Try it!!
• (2024-08-13) Berlinda Davis: The app works great for me, every time I use it!
• (2024-08-11) Maude Miller: Affirm has been a lifesaver for me. I've used it several different stores and online. The payments are affordable and really has helped me with monthly expenses and extra additions.
• (2024-07-21) Georgina Hermsdorf: Attempt to use on temu and I have used it before and it worked now all I keep getting is system maintenance error
• (2024-07-09) Reyu: freaking card is very complicated to use. I get turn down all the time due to procedural error. Unlike all other cards just charge it and pay later. this card you have to login and get approve for the amount of charge, then 90% more likely you get decline. I have made numerous charges with this card, no problem, however with TEMU I seem to get decline all the time and few other retails store. very inconvenient card. will have to close this account it's a time-consuming card to use.
• (2024-07-09) Donna Smithley: I first started using Affirm about 5 years ago, it is awesome. My first purchase was an airplane ticket. I love it! It is easy to use, now you can use the Affirm card to plan ahead, it's great!! Thanks so much. It's better than a credit card.
• (2024-07-03) debra anderson: i love affirm and i make my payment on time. i paid off 4 payment plans i had . i have been with affirm scene november 11,2022 they are great
• (2024-07-01) Joanne Adamson: I learned about different stores from others.... The prices were super and great quality , and so much more...I was told about Affirm.... I was skeptical, but I have to say it was very easy to shop and do fair payment arrangements. They are very trustful.... I have them take automactically payment out , when payment is due and also can call them and make larger payments with no problem at all... I am very happy with my shopping experience and Affirm backing me up.. ty all jma
• (2024-06-02) B R: Affirm is very easy and convenient to use. It even gives you the option to toogle on/off auto pay on the manage payments page. And the faster that you pay off your loan the more you save and the more you can borrow the next time you find an item you like and want.
• (2024-05-31) Lisa Samuel: affirm phone number 855-423-3729 this is the number I use when I needed to talk to someone from a store hopefully it's still a good number. and I don't do auto pay with anyone I'm the one to say when funds. I might need those funds before than
• (2024-05-24) Dillinger R.: At first I loved Affirm, everything was going great until that one time autopay got me, it took money from my bank account that I didn't have, put me over $300 on the hole with my bank, months ago, I've since then have gotten behind in making my payments to Affirm, I'd rather get behind with Affirm than my bank, my bank charges me $35 for overdraft charges, it could be 2 cents and I'm getting charged $35. I had autopay enabled for my phone and a few other things too. If I don't have the cash to cover that autopay it takes it anyways.
• (2024-05-18) Victor Berrios: I been with Affirm for a while, had made over 25 purchases, always pay on time, never been denied BUT I have No way of connecting with it. I'm about to pay for a purchase that was canceled and accordingly the money was refunded back to affirm [ORTHOFEET $148.00] please HELP
• (2024-05-18) Robert Hill: love it until my credit score dropped and blocked me from buying anyting on affirm and i hive autopay so my bill is always paid on time why?
• (2024-05-16) raquel reyes: I just love this company it is the first company that are honest as for returing a item they give you a free label evendoe they sent the item for free I highy recomend this company i am very happy with them thank you for being there for us that live on a budget
• (2024-05-12) Gary Thurston: I've managed to buy some really nice items for my home office, living room and a really nice espresso machine for my kitchen. It is made by Calphalon and is faboo I must say. Had I had to pay cash or use a regular credit card i'd most likely would not have bought the stuff. It is too easy to charge something and then I would just end up paying the credit card minimum and end up paying through the teeth for something. It is also equally difficult for me to pull the trigger and pay full cash for an item such as my espresso maker. That is a lot of money right out of the checking account to be felt. So I love how I can decide the terms and length of the loan. You know exactly what you must pay. This works well for me as I only get paid once per month and I pay everything on pay day due or not. I would not mind seeing an option where you could merge multiple outstanding loans together. So if you have lets say six small loans and merge them into one payment it is easier to visualize paying it off earlier etc. Bottom line I shop more, have more things I want and pay it off faster than using conventional pricey credit cards. Affirm keeps me from overspending too. They have a good snap shot of my financial health having my checking account tied into the account.
• (2024-05-03) Linda Verne: I have been using affirm since 2020 and have never even had a problem a much better way of paying on time without paying huge credit card interest rates. I as well am trying to eliminate the most part of my cards for that reason stated by BT.