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

Using Affirm is great. However, they did am update to the app that is horrible. At least for those of us who budget. You could see how much you owe for the month under the "Manage" tab. Now it shows you all the payments due in the next 30 days, but individually. Now, to know how much you have to pay for the whole month, you have to add up whatever payments you have. This is a simple program for them to add, but annoying for someone to add them up, going back and forth to the calculator app.

I love affirm. I don't have high limit credit cards since I'm rebuilding my credit, and it's not always possible to pay for bigger purchases up front. Affirm is the perfect solution! In fact, I would choose Affirm over a credit card 9 times out of ten because they offer multiple options regarding repayment and depending on the merchant, there may not be any interest at all.

Affirm is an absolutely fantastic service! The platform is incredibly user-friendly and easy to navigate, making the whole experience smooth and enjoyable. I love how straightforward the process is—everything from applying for financing to making payments feels seamless. Affirm offers clear terms with no hidden fees, so I always know exactly what I’m signing up for. The flexibility they provide is also amazing, allowing me to make purchases without stretching my budget too thin. Highly recommend

What's new

Miscellaneous fixes and improvements