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 love the app and love affirm! If you're lucky enough to get a decent interest rate and credit limit (and I got a few shady things on my past credit!), this is a great service! Forget paying double to triple with Aaron's, you can use this almost anywhere for anything! Customer service is fast if you make a booboo or botch up something! It's just great! (Don't miss a payment though!) You can also get a higher limit when applying to their preferred stores! Such as Amazon.

It's inconvenient. The app gives you 2 options 1 pay over time or 2 pay in full. Once a plan is chosen, you select the store and use the affirm debit as a payment method. I have done this over 6 times. I chose pay over time and it declined every time. My limit is way more then what I am requesting to use and I'm still being declined. I called customer service and she said just go through the app and chose a payment plan which is what I have been doing and she said just try it again, didn't help

This is a great virtual credit card, as long as you keep money in the bank pay on time. you can have multiple separate purchases to pay on. the best things I like about it is anytime you want to pay something off early it's just a click of a button. I have had multiple accounts that I paid off early never had a problem with them. if you plan to purchase and they don't have that item in stock if you decide to buy another item that is lower price. They refund your money within 2 to 3 days.

What's new

Miscellaneous fixes and improvements