Affirm alternatives

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

1. [R3] Affirm 3/5 · US Purchasing Power: Purchasing power is annoyingly inconsistent. Like if I’m approved for a certain amount, tell me that. If I’m not approved, tell me that. A constantly fluctuating number is not helpful.
2. [R4] Affirm 1/5 · US Bs purchasing power: Says “YOU HAVE $700 SPENDING POWER” but yet it can’t give me any plans for a $200 order? AI assistant says the $700 is an “estimate” which would still make no sense not being able to do anything with a $200 order not even letting me pay half up front. App is pointless and misleading
3. [R7] Affirm 1/5 · US Got declined at checkout after approved: I picked a plan and everything. Approved for the purchase. Added the card to apple wallet. Got decline at checkout. Support really don’t give af. They be trolling you. Don’t do business with them .
4. [R13] Affirm 1/5 · US Spending power is a lie: Needed to use Affirm in an emergency and was relieved to see my spending power is $2680, except it was all a lie. The reasons they give don't match their own terms. If they'd have been honest upfront I could have figured out another payment method in time, but I'm missing vacation with my family because of deadlines hit while hearing false information from support.
5. [R1] Affirm 1/5 · US Non existent customer service: I’ve had a minor technical issue that should be easy to resolve yet their service is a maze of AI bots and human chat agents that close the conversation before it’s ever started
6. [R10] Affirm 1/5 · US Not customer friendly: I have been using this company for years and in the beginning they were good I didn’t have any problems. In the last year or so things have changed. I don’t get approved for anything anymore, even though I always pay everything off in a quick manner. When I ask, what’s going on they tell me pretty much a automated answer, even if I’m talking to a human anything is going on.
7. [R16] Affirm 1/5 · US Amazing App, very friendly: I have Location Notifications turned off and I STILL get push notifications for stores. “Bed Bath and Beyond takes Affirm.” It’s so predatory. So I chat with their AI Slop who doesn’t even know where the settings are and gives me runarounds like a chicken with its head cut off. What a useless chat feature. If I meed Affirm again with my $6,700!purchasing power then
8. [R6] Affirm 3/5 · US APP is not great: The cool thing about this app was that you could enter your passcode and begin shopping. Now you ask for a text verification and then have the audacity to also ask for an email verification as well. It’s too much! Idk why you had to change it.
9. [R12] Affirm 3/5 · US Too long to process payments: I would give them 5 stars but they don’t process payments quick enough for me.
10. [R15] Affirm 3/5 · US No sirve: 3 veces ya voy a sacar algo a pagos y cuando voy a crear el plan me pide que actualice mi numero de telfono,cuando lo actualizo dice que todo está correcto y no se procesa el plan y me cobran todo el dinero sois unos estadadores voy a terminar de pagarles los 100 dolares y voy a cerrar mi cuenta espero y amazon quite este terrible servicio de su plataforma,ahora mismo voy a hacer el repo
11. [R18] Affirm 3/5 · US Can You Please: Not everyone has a cellphone. Please add an email for other ways to verify account. Everything shouldn’t be attached to a damn phone number 🤦🏻‍♀️
12. [R25] Affirm 1/5 · US Predatory: I kept a perfect history with affirm at one point I had more than 2k out and showed available a balance of a few hundred so I paid all of my debt off expecting to use a portion of what the app said I could only to be denied any credit. My score was lower than it had been but my credit with affirm was perfect I guess that didn’t matter funny I would have had better credit if I didn’t mak
13. [R35] Affirm 1/5 · US Annoying: Has ad notifications that you can’t turn off
14. [R36] Affirm 5/5 · US bait and switch: I paid off my short loan I made ahead of time weeks ahead of time. I returned one of the items to Amazon and Amazon approved and refunded the amount which should’ve come to me! It went to affirm! I got the runaround and was told different reasons why I didn’t receive it even though I paid it off in full the bounce that was due I ahead of time. The last thing I was told was if I ha
15. [R8] Affirm 5/5 · US Comes in Handy: I enjoy using the app and like that it lets you choose your payment plan options. One thing that could make the app better is being able to select multiple orders to pay off together.
16. [R9] Affirm 3/5 · US Update your system to combine multiple payments.: You can combine payments on other platforms like after pay. You should be able to here. Upgrade your system.
17. [R51] Shop 1/5 · US 1 star: No accurate when it comes to delivery
18. [R52] Shop 5/5 · US Very efficient delivery app: All my packages are always been tracked properly and help with finding the package and when it will arrive so I can keep track of it
19. [R53] Shop 3/5 · US Was great…: This app was fantastic until they stopped visually showing the tracked package..
20. [R54] Shop 1/5 · US It just doesn’t work: This is easily the worst shipment tracking app and just consumer app in general. Most of the products they advertise are temo grade and the worst part is the shipment tracking. It just genuinely doesn’t have any idea what’s going on until things arrive lol it’s comical how bad their logistics is.
21. [R65] PayPal 1/5 · US I got charged unconsciously: There's a website to make passport photo with black blazer. I downloaded the photo with $0.10 and log in PayPal once to make that transaction. This logging-in gave the website accessibility to charge me $49.90 for something likely called "Pro Membership subscription" without any agreement, receipt and I didn't receive any service but had to pay. PayPal denied the case
22. [R66] PayPal 5/5 · US LUZ: BIEN
23. [R67] PayPal 3/5 · US App runs so slow: App runs so slow. It takes forever to bring up the home page and then trying to get to the screen to unlock it is horrible as well. My app is updated to the latest update. I’ve had PayPal over 10 years please fix this
24. [R68] PayPal 1/5 · US No good: Every time i try to use this app they take so much money and now my money is stuck inside the app for 30 days this app sucks
25. [R79] Klarna 1/5 · US I pay in full: I can’t pay in installments after using app for more than 15 purchases.
26. [R80] Klarna 5/5 · US Lo mejor de lo mejor Klarna: Muchas gracias por está cuenta me ha he go comprar todos mis suenos de comprar
27. [R81] Klarna 3/5 · US Often Decline after offering: I’ve noticed Klarna will have services advertised all over these wholesale platform apps. Then you pick your items click Klarna, wait for plans to appear and then click to be told payment is declined due to something not at all related to me. I’m well ahead of my payments nor had 1 late. Strange but ai bot says it happens. So idk I guess it happens
28. [R82] Klarna 1/5 · US Poor Customer Service: Klarna tried to double charge me and then acted like I was crazy when I attempted to get clarification on the situation.
29. [R93] Zip 1/5 · US I need my refund: Printing fake payments to pay merchant.. running leave there Calculating due amount without transaction they don’t complete
30. [R94] Zip 5/5 · US Zip los mejor: Lo Mejor
31. [R95] Zip 2/5 · US OVERPAYMENTS: I used zip religiously for YEARS, now they’re taking 2-3 payments out, I have 4 active orders and they took out 6 payments yesterday(2 of them were charged twice) even customer service agreed when I showed them my bank statement compared to my zip app. Did I get refunded? NOPE. Did they honor the overpayment? ALSO NO. I will never ever use zip again and I will NOT be paying the rest
32. [R96] Zip 5/5 · US The most versatility: You can use your virtual card anywhere
33. [R107] Afterpay 1/5 · US Cant Use After Years of Building: I recently tried using Afterpay for a purchase that I couldn’t afford to pay all at once. Every time I reached checkout, the app let me select a payment plan like everything was working, but as soon as I confirmed it, I got a generic “Something went wrong” error. This happened every single time. What makes this even more frustrating is that I have a $3,000 spendi
34. [R108] Afterpay 5/5 · US Love! Love! Love!: Afterpay is the absolute best company on the internet! Without Afterpay I couldn’t afford a lot of the items I’ve purchased. Thank you Afterpay for spoiling me rotten!
35. [R109] Afterpay 3/5 · US It’s good but..: This app is great the only thing is Ive been using it for a while and have a lot of money I can use for my limit but they don’t give eligibility to everyone for them to have a afterpay card where they can use it in store so you would think with what I have they would trust me enough for the card but according to the support team they practically pick and choose who gets the card m
36. [R110] Afterpay 1/5 · US Never enrolled with them: I don’t know why they continue to email me about outstanding balances when I never did anything with this place. I’ve tried calling and leaving messages but it wants me to setup an account. Another way to try and take money from me. I never filled anything out so stop trying to get money from me!
37. [R71] PayPal 1/5 · US Where is my money: My friend sent me $1,000 over a month ago and they have not given it to me, it just stays in pending. I have called them and it hangs up saying unavailable at this moment. Never use this app
38. [R115] Afterpay 5/5 · US Buying things I want.: I’ve been able to buy my Michael korrs purses. Get massages and never worry about having to come up with everything up front. I have the freedom to enjoy making 4 easy payments no interest.
39. [R61] Shop 5/5 · US 🌟🌟🌟🌟🌟: Excellent app! On point every step of the way. Recommend
40. [R103] Zip 5/5 · US Accepted at most places: There are sometimes when things are tight and it is such a relief when I can use Zip!