Affirm: Buy now, pay over time

329K reviews
Content rating
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image

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 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

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.
Updated on
Apr 12, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Location and App info and performance
This app may collect these data types
Personal info, Financial info and 3 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

317K reviews
Tracy Hiatt
April 3, 2024
I have use affirm for several different purchases in the past couple years and I have had no issues. The start up process is quick and easy. You get a denial/approval answer back within minutes. They tell you right up front want you can spend and a list of stores that accept affirm as a payment. I haven't had to deal with any customer service issues but they do maybe the info listed right in the sight. And also using the service will not effect your credit as they don't report.
137 people found this review helpful
Did you find this helpful?
Charlie Burnside
March 24, 2024
I love the affirm app. similar to using a credit card, but the interest is way lower. You can choose different payoff plans to even have no interest. You get deals at retailers and its easy to check your payments and get alerts. I have used it for 3 years now. I highly recommend it if you are tired of credit cards. I basically use it for purchases that I have the money for but would rather not pay the whole chunk at once.
216 people found this review helpful
Did you find this helpful?
Kenny Adam
March 25, 2024
Excellent source of Financing needs from various purchasing locations. It's easy, afforable and genuinely for everyone. No matter what's needed, where you purchase it, generally Affirm is there. It's definitely a great way to buy now and pay later. It's for you and they work for you. Very easy. Payments are usually made a few weeks after the purchase, which sometimes makes things easier. To be able to have A 3 or 4 payment plan option makes things super easy as well. Forever Grateful to Affirm.
98 people found this review helpful
Did you find this helpful?