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

Convenient although the interest can be high. There's no flexibility in making changes to your payment dates. Only option is to pay early. There are 0 interest offers available sometimes. Your spending power can dramatically change overnight with no warning. Mine dropped by 2k in 1 day. I've never missed a payment and have pretty good credit. Took me about 6 months to get the 2k back. Wonder if they took it because I wasn't using it 🤔?? Either way it sucked. Overall, a cool program anyhow.

The app is fine. The way to pay, setting up automatic payments is easy, changing payment source for payments is quick. App is good. Some check out issues, but that's everywhere! The the way this company determines purchasing power is putrid! My mom and I have paid more then 72% of our outstanding balance in 8 months, I thought they would want to keep us around. Nope, no offers, no deals, nothing, purchasing power is miniscule. Almost $11,000 paid off, and no loyalty! Really strange!

Probably should be careful how I rate this as it has made purchasing "stuff" a lot easier, but has slowly increased my debt over time, but that's a ME problem. Overall though, great app for making those larger purchases less scary. I usually opt to pay a small chunk up front and then have 3-4 payments every couple weeks. This usually makes the purchase the exact same price with 0% interest. Or pay a small amount of interest and stretch the payments over 6-12 months. Great app!!!

What's new

Miscellaneous fixes and improvements