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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Affirm vs Shop

Affirm 4.9★ · Free to download 70
Winner Affirm
Shop 4.8★ · Free to download 60

Affirm is better for users seeking flexible payment options and credit building, while Shop excels as a package tracking and discovery tool, despite its recent decline in user experience.

Full reviews: Affirm · Shop

Affirm offers flexible payment plans and can help build credit, but users frequently report issues with inconsistent purchasing power and poor customer service. Shop is primarily a package tracking app with a marketplace, praised for its delivery updates but criticized for unreliable tracking and a cluttered, ad-heavy interface.

Head to head

Features & Functionality edge: AffirmR3R4R8R9
Affirm Affirm users appreciate the ability to choose payment plan options and use it for various purchases like travel and personal items, with some noting it helps save money or build credit R8R11R23R47. However, many are frustrated by inconsistent 'purchasing power' that doesn't align with stated amounts or approval for orders R3R4R13. Some also desire the ability to combine multiple payments, a feature available on competitors R8R9.
Shop Shop's core functionality is package tracking, which many users find very efficient and helpful for keeping track of all orders in one place . The app also functions as a marketplace for discovering products . However, users report significant issues with tracking accuracy, with packages not updating or being marked delivered when they haven't arrived R63R72R79R81. Recent updates have made the app less user-friendly and more ad-oriented, with a problematic AI search feature .
Ease of Use tieR5R6R26R27
Affirm Affirm is generally considered easy to use for making purchases and managing payments R5. Users appreciate the simple layout and options . However, recent changes to login verification (requiring text and email) are seen as excessive R6. Some users also report issues with the app's layout being too large R27, inability to update annual income due to UI issues , and problems with card management R26.
Shop Shop is praised for its ease in tracking packages and its overall simplicity by some . However, many users find the app less user-friendly after recent updates, citing a cluttered, ad-oriented interface and difficulties navigating old orders or using the AI search . There are also reports of the app not saving shopping preferences and accessibility issues for users with voiceover .
Reliability & Performance edge: AffirmR5R7R11R12
Affirm Affirm's reliability is a mixed bag. Many users find it dependable for purchases and credit building R5R11. However, frequent complaints include being declined at checkout despite prior approval R7, payments failing or taking too long to process R12, and issues with down payments being charged but plans voided . Autopay sometimes fails without clear notification .
Shop Shop's reliability is a major concern for many users. While some report efficient and correct delivery tracking , a significant number experience issues with inaccurate tracking, packages not arriving, or being marked delivered prematurely R72R79. There are also reports of fraudulent orders and products .
Customer Support tieR1R7R10R13
Affirm Affirm faces widespread criticism for its customer service. Users describe it as non-existent, a maze of AI bots, and human agents who close conversations or provide inconsistent/incorrect information R1R7R10R13. Resolving issues can take months and multiple calls R25.
Shop Shop users report significant issues with customer support, particularly when dealing with lost packages, fraudulent orders, or product issues. Users state that the app offers no accountability, and it's difficult to get help for bad actors or to process refunds . The AI reporting system is also criticized for being unhelpful .
Price & Value edge: AffirmR2R11R23R24
Affirm Affirm is valued for offering flexible payment plans, often with $0 down and $0 interest, making purchases more manageable and helping to build credit R11R23. Users feel it provides a good option for financial flexibility R2. However, some report being charged exorbitant fees or having double payments misapplied R24.
Shop Shop is free to download and primarily offers value through its package tracking service. Users appreciate finding deals and special offers through the app . However, the value is diminished by frequent issues with tracking accuracy, fraudulent products, and a cluttered interface that pushes ads .
Pick Affirm if

You need flexible payment options for larger purchases and want to build credit, and are willing to navigate potential customer service challenges R2R11R23R47.

Pick Shop if

Your primary need is a centralized app to track packages from various merchants, and you are comfortable with a potentially ad-heavy interface .

Evidence note: Both apps have a significant number of negative reviews, especially recent ones, which is common for free apps with a large user base. Affirm's negative reviews often center on customer service and inconsistent purchasing power, while Shop's focus on unreliable tracking and a poor user interface.

Frequently asked

Does Affirm help build credit?
Yes, many Affirm users report that using the service and making timely payments has helped them build or improve their credit R11R23R47R51.
Is Shop reliable for package tracking?
Shop's reliability for package tracking is inconsistent; while some users find it very efficient and accurate, many others report issues with packages not updating, being marked delivered when not received, or general inaccuracies R63R72R79R81.
What are the main complaints about Affirm's customer service?
The main complaints about Affirm's customer service include non-existent support, a maze of AI bots, human agents who close conversations prematurely, and inconsistent or incorrect information, often leading to unresolved issues over long periods R1R7R10R25.

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. [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.
  4. [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.
  5. [R5] Affirm 5/5 · US Very reliable: I really love how easy I can solve problems with this credit
  6. [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.
  7. [R26] Affirm 4/5 · US Help: Can you’ll please update the app and the website, neither are allowing you to access all your cards you want to use for a purchase. You have to delete the cards that you have on file to get to the one that you’re trying to use and have to add them back after you deleted them.
  8. [R27] Affirm 3/5 · US Access: I don’t like the new layout. It makes it difficult to manage my accounts. Too large for my phone.
  9. [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 .
  10. [R11] Affirm 5/5 · US Buena opcion: Funciona tanto para ahorrar el dinero accesible de tu cuenta bancaria como para darle poder de crecimiento de credito .Siempre me ha funcionado , Affirm me ha dejado viajar varias veces y nunca me ha fallado en mis compras de viajes, escolares y/o personales. Ademas que con un pago minimo incrementa el poder de compra $$$. En mi casa amamos Affirm!
  11. [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.
  12. [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
  13. [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.
  14. [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.
  15. [R2] Affirm 5/5 · US Excellent!: I highly recommend Affirm. You can’t go wrong. I’m ready to dump my credit cards and just use affirm, honestly.
  16. [R23] Affirm 5/5 · US Happy person: Affirm has given me an opportunity to get what I need when I need it and just pay off as I set myself up and commit to the payment. I try to pay off before any interest kicks in. Generally, that gives me several weeks or so to do so. This has been a godsend when I had a tough time in the past so I could continue to use it if it’s not a business expense
  17. [R24] Affirm 3/5 · US Payment: Do not ever make a double payment. That double payment does not go towards your next payment., that second payment goes to the back of your Loan. They had asked me if I wanted payment on one of my loans, I said sure.. then guess what they continue to call me and send me text telling me that I am 22 days past due on my payment.. that goes against your record with them. I was not 22days p
  18. [R47] Affirm 5/5 · US I’m grateful for this App: It is a fact that we all experience hard times. I am delighted to have discovered this App, which has been instrumental in helping me navigate those difficult periods. I have been using Affirm for years and would like to express my deepest gratitude for their help in getting me through those tough times. Not only has Affirm helped me through those challenging times, but
  19. [R51] Affirm 5/5 · US Great loan: Easy to apply and quick response good to build your credit .
  20. [R63] Shop 3/5 · US Was great…: This app was fantastic until they stopped visually showing the tracked package..
  21. [R72] Shop 3/5 · US kinda useless in my case: i was trying to find an easy way to track a package i had ordered from overseas so i didn’t have to monitor three different websites for updates. naturally, i downloaded shop. it was what the initial seller suggested to track the package. i don’t know what went wrong, but the shipping and delivery status did not update at all throughout the shipping process of my package.
  22. [R79] Shop 1/5 · US No package: Keep getting congratulated my package arrived at 9:09 am today and as of 1:35pm no package anywhere
  23. [R81] Shop 3/5 · US Accuracy: I do not feel like the accuracy is correct at times. There are times it will tell me my package will be here by a certain time, and the package won’t even arrive. So I don’t really like that about this app
  24. [R25] Affirm 1/5 · US Customer: I am extremely dissatisfied with Affirm's customer service. I had to repeat my issue many times and received inconsistent and incorrect information from multiple representatives. There was no way to identify or track the representatives I spoke with, resulting in a lack of accountability. After nearly 50 calls over more than two months, my issue was still not properly resolved despite ca

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store