Affirm: Buy now, pay over time

Affirm, Inc

About this app

Pay over time with Affirm online, in-store, and in the app. Plus, eligible customers can get the Affirm Card™ to use anywhere Visa is accepted in the U.S.

Why you’ll love the Affirm app:
• See your purchasing power front and center
• Shop brands with clear, flexible payment options
• Discover deals, 0% APR options, and plans over 12 months
• Set up AutoPay or easily make early or one-time payments
• Request to pay over time with the Affirm Card online or in-store

Take your Affirm Card with you everywhere:
• Get a physical card and use it anywhere Visa is accepted in the U.S.
• No credit impact to apply, and no card or annual fees
• Discover 0% APR options or flexible plans at top brands, in-store and online
• Request a payment plan in the app before or after checkout. Minimum purchase may be required for payment plans. See footer for details.

Purchasing power is an estimate and may include a down payment at checkout. Approval and terms aren’t guaranteed.

The Affirm Card is a VisaⓇ debit card issued by Evolve Bank & Trust (Evolve), Member FDIC, pursuant to a license from Visa U.S.A. Inc. Affirm is not a bank. FDIC insurance will only cover the failure of Evolve. Learn more at https://www.fdic.gov/resources/deposit-insurance/. 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. For example, an $800 purchase could be split into 12 monthly payments of $77.99 at 30% APR, or 4 interest-free payments of $200 every 2 weeks. 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.

Ratings and reviews

Great buying experience and their payment options really keep the consumer in mind. Great option for rebuilding credit too as taking these micro loans with them for buying products has bumped up my credit score. 5 years later, good credit score,near flawless payment history yet 2 planned purchases in a row that are not for unusual amounts are denied for the reason of insufficient funds and they keep locking my virtual and physical card while claiming they've unlocked it. Closing my account.

It is nice to have an option to pay over time if you didn't expect to make a purchase any given moment. Affirm has been very helpful in this way. Use of there phone app makes it very convenient to see your offered lending availability, details of a purchase, when payments are due etc.... You can shop within the app or online at any merchants site and take a look if merchant provides Affirm as an option. Only negative would be high interest rate but it seems every bank/lender has high rates.

Affirm was wonderful when my wife and I started using it. We made several purchases through affirm and paid the $1200 balance off in a few months, if that. The second time we used it, we had all payments set to autopay, only to find out when we opened the app we had missed payments due to Affirms error. We still have purchasing power at many places, but when we aren't able to use any of it due to this.

What’s new

Miscellaneous fixes and improvements