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

Quick approval. Approved for a limit more than I asked for. Convenient because once approved you can use it online or in a store. EDIT. each purchas is counted as a seperate account. so every time you pay off a purchase it shows as a closed account on your credit report and lowers your credit score. I I am no longer using and will be deleting as soon as the last one is paid off.

it took a bit of understanding to make purchases without having to pull out my wallet, like this one time I could not find my wallet anywhere and needed to book a flight and within minutes I received a credit card number, expiration date and code to put in the registration. It was that Easy! I then tried to figure out how much interest I would have to pay, let me tell you it was 0.00 for the 4 broken down payments, afirm way to go.

Love this way of payment. It's my own way to go back to layaway plans, convenient little payments, easy-going, friendly app. The app is fabulous. Keep you updated all the time about your balances and payments, plus you received a reminder every time you're going to have a debit payment on them so you can be aware of your upcoming payment and keep your budget on mind. I love it too much! Have been using it for more than two years and never had a problem with anything. Thank you. Awesome idea!

What’s new

Miscellaneous fixes and improvements