Affirm Review & Alternatives (2026 Guide)
Deliver honest financial products to improve lives
Founded in 2012 by PayPal co-founder Max Levchin, Affirm offers an easy way to pay over over time for the things you love—through merchants like Wayfair and Casper, and through the Affirm mobile app.
Affirm in action
Affirm user ratings
Based on 1 review
Recent user highlights
I use Affirm for my Peloton loan. My biggest issue is that I can't change the date on when the payment will be taken. I would actually like it to come earlier in the month because I submit a receipt for reimbursement via my company's health benefit, but it's not an option in Affirm. Pulling receipts could be easier too.
I also had an issue where I got a new phone number, and it logged me into the account of the previous owner of that phone number, giving me his name, email and address. Not good.
Top Affirm Alternatives (2026)
Looking for a Affirm alternative? Here are the most-compared options people consider.
PayPal
Send Payments, Pay Online, Merchant Account
New Money gives you more control over your funds so you can spend, send, and receive the way you want. See what’s possib…
Stripe
Financial infrastructure for the internet
Accept payments, send payouts, automate financial processes, and ultimately grow revenue.
Razorpay
Power your finance, grow your business
Accept payments from customers. Automate payouts to vendors & employees. Never run out of working capital.