Affirm Reviews

Multiple repayment options: Divide the cost over four interest-free payments paid biweekly or pay over three or more months.

Quick and easy payment options: No interest for Pay in 4 loan. No fees for any loans.

No hidden extras: With both payment options, you'll know precisely how much you need to pay for each installment before you make a purchase.

Simple interest (no deferred interest): Your payment schedule is the same throughout your payback period.

Can make it easy to overspend: The ease of getting a BNPL loan makes it easy to overborrow.

May not build credit: Affirm doesn't report to credit bureaus, so using this service won't help build credit.

High number of formal complaints: There have been a significant number of formal complaints lodged against Affirm.

Getting prequalified doesn’t guarantee you can make a purchase: Despite your spending limit, Affirm requires pre-approval for every purchase you make.