Affirm vs Zilch
A side-by-side comparison of Affirm and Zilch — TrustScores, verified reviews and ratings across the App Store and Google Play, updated for 2026.
Head-to-head
| Metric | Affirm | Zilch |
|---|---|---|
| TrustScore (/5) | 3.2 | 3.0 |
| Total reviews | 351 | 202 |
| Proof-verified reviews | 145 | 88 |
| App Store rating | 3.2 | 3.0 |
| Google Play rating | 3.4 | 3.1 |
| Region | Global | Global |
| Founded | 2012 | — |
Affirm · rating distribution
5
94 · 27%
4
75 · 21%
3
62 · 18%
2
43 · 12%
1
77 · 22%
Zilch · rating distribution
5
38 · 19%
4
45 · 22%
3
38 · 19%
2
44 · 22%
1
37 · 18%
The verdict
Affirm edges ahead with a TrustScore of 3.2/5 versus 3.0/5 for Zilch — but the right choice depends on the features and fees that matter to you. Read the verified reviews for both before deciding.
Explore more loans & credit or see alternatives to Affirm and alternatives to Zilch.