Affirm: Buy now, pay over time

4.8
472K reviews
10M+
Downloads
Content rating
Everyone
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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.
Updated on
Jun 17, 2025

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

4.8
458K reviews
BlueWaterCaptain Walker
June 6, 2025
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.
39 people found this review helpful
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Affirm, Inc
June 6, 2025
Hi there. We are always looking to improve the experience for our users, and really appreciate the feedback. -JS, Customer Care
howard o
May 20, 2025
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.
179 people found this review helpful
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Deisha Romero
April 19, 2025
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!
356 people found this review helpful
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What’s new

Miscellaneous fixes and improvements