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

Works great and adds to the convenience, unless you try to use it in conjunction with Shop pay. Every time that happens, I get errors, get rejected, or don't get any tracking until after the package is delivered or the day of delivery. I'm not sure what the problem with Shop pay is, but it's not worth dealing with anymore. Once I pay off the two small purchases I still have with Shop pay, I'll never use it again.

I did love the app. I'd made 2 separate orders, using the app, & made 2 early payments (early) and when I went back into the app to check my "Spending Power", it show "0" which I didn't understand. I thought I'd paid the total bill off. It's been very confusing to me. The 2nd of the 2 orders shows that I've never missed a payment. The 1st one was paid-in-full. The payment for July was paid earlier than the due date. Aug & Sept are now due, which I plan to pay off this week. Rather confusing!???

Affirm was a great opportunity for me while I was in a period of transitioning from a debt consolidation program and had no open credit lines. Now that my credit is excellent again and all of my credit limits have gone back up , I still continue to use Affirm as my preferred lending source, as the interest fees are much more reasonable and do no go up based on how much is owed, while the monthly payment options are flexible to work within my budget means. The app itself is very user-friendly.

What's new

Miscellaneous fixes and improvements