Affirm: Buy now, pay over time

Affirm, Inc

About this app

Shop stress-free and pay over time with flexible payments. Now select customers can take Affirm everywhere with the Affirm Card™.

Why you’ll love using the Affirm app:
• Pay over time at almost any store
• Get access to exclusive deals and rates as low as 0% APR
• Manage your account and make payments
• Open a high-yield Affirm Money Account with no minimums and no fees

Take your Affirm Card with you everywhere:
• Use your Affirm Card online or in person
• Planning a big purchase? Request a payment plan in the app before you head to the store
• If you’re shopping on the go, you can link your bank account to pay with your card almost anywhere, or use the app to request to pay over time for eligible purchases after you swipe. Minimum purchase may be required for payment plans. See footer for additional details.

Shopping with Affirm is simple and easy—browse your favorite stores online or in-store, choose the payment terms that work best for your budget, and complete your purchase at checkout or with your Affirm Card.

The Affirm Card is a VisaⓇ debit card issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Pay-over-time plans must be applied for each purchase in the mobile app, are subject to eligibility checks and are provided by affirm.com/lenders. Minimum purchases are required for pay over time plans; the amount is located in the Card tab of the app. For purchases that are not approved for and matched to a payment plan, you authorize Affirm to initiate an ACH debit from your linked bank account within 1-3 days of the purchase. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license. For licenses and disclosures, see affirm.com/licenses.

Rates from 0 - 36% APR. Loan options vary, are subject to eligibility, and may depend on whether your loan is applied for before or after your card purchase. There are minimum purchase amounts for loans, a down payment may be required, and may not be available in all states. The Affirm Money Account is held with Cross River Bank (CRB), Member FDIC. Affirm is not an FDIC-insured bank. FDIC insurance covers accounts held with CRB in the event of a CRB failure.

Ratings and reviews

I definitely recommend Affirm. Affirm has been a really good credit tool for me. I don't do well with standard credit cards. With Affirm I know the purchase has a specific number of payments and I know before I agree how much interest will be in both percentage and dollar amounts. So you can decide if the purchase is really worth it. Some purchases qualify for 0% which is fantastic. Its allowed someone with limited income the ability to get items that otherwise might be out of reach. Thanks

Love Affirm app better than klarna. I use it all the time. Easy to place your orders or book for hotel stays and etc. Their payment plans are extremely reasonable, and interest rates are always accurate. Their virtual cards don't expire on purchase like klarna does. Also, it's easy to get in contact with customer service, and agents are extremely friendly and helpful on any questions you have. 100 percent satisfaction.

Affirm has been super helpful and is one of my favorite ways to make big purchases. It makes the bigger expensive purchases seem more affordable without charging ridiculous interest or screwing you over. Affirm is great, and I've had zero issues since I've started. The only thing I could see that would make it better is to change a due date if nessecery without charging more.

What's new

Miscellaneous fixes and improvements