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 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.

Member for three years. I gave it previously five stars!! I have two loans with two payments from Amazon, that will end in two months. With a perfect payment record, I applied for a new item at Amazon, for about $190.00. I had to do a pre-approval by Affirm. I was refused, with the available purchasing power of $2,980.00. That makes no sense. I might remove and close this application after the final payments are completed!!!!!!!

I like that there are so many stores you can shop in. I like the way the payment tracking is set up. It's super easy to set up and pay. Setting up auto pay is also super simple, npt complex, and that is awesome. I like how the amount you pay is also displayed in a "loading" bar format where it goes from left to right and as you pay it moves closer and closer to the right to reach the end. It gives it a visual feel that makes you more motivated to keep on paying.Customer service ppl are friendly!

What's new

Miscellaneous fixes and improvements