Affirm: Buy now, pay over time

Affirm, Inc

About this app

With the Affirm app, you can shop stress-free at your favorite stores and pay over time with flexible payment plans—there are no late fees, hidden fees, or surprises—ever.

Why you’ll love shopping on the Affirm app:

• Shop and pay with flexible buy now, pay later plans at almost any store
• Check your eligibility with no impact to your credit score
• Unlock access to exclusive deals and special rates as low as 0% APR
• Manage your account and make payments easily
• Open a high-yield savings account with no minimums and no fees.

How does Affirm work? Here's how to start shopping with the flexibility of buy now, pay over time plans.

• Find your favorite store, shop, and fill your cart.
• Choose from flexible payment options that fit your budget—we'll never charge more than you see upfront.
• We’ll check your eligibility and then you’re good to go (the credit check takes only a moment and won’t affect your credit score).
• Complete your purchase online or at a physical store with Google Pay or Apple Pay.

With Affirm's buy now, pay later flexibility, you can shop at the stores you love without paying all at once. We'll show you exactly what you're paying from the get-go, and we’ll never charge you with late fees, penalties or hidden costs of any kind. Now is the time to responsibly treat yourself with buy now, pay over time shopping and the flexibility of split payments.

Buy now, pay later at almost any store
• Get access to buy now, pay later shopping across hundreds of stores
• A split payment plan should be flexible—that's why we offer plans ranging from 3, 6, 9 months, along with other options
• Buy now and pay over time for almost everything, including apparel, auto, beauty, electronics, and more

Get exclusive deals as low as 0% APR
• Some customers qualify for as low as 0% APR, so you won’t pay interest while making payments over time
• Shop exclusive deals on apparel, electronics, appliances, auto, and more

Manage your account and make payments
• We're all about making financing simple—so you select your payment plan, and know exactly what you're paying from the start.
• Make payments within the Affirm app—we'll even send you email and text reminders to keep you on track with your payment plan.

Open a high-yield savings account with no minimums or fees
• Grow savings with the Affirm Savings account—designed to help you save smarter.
• It's totally free—there's no minimum deposit, and you'll get a high annual percentage yield for every penny you add.

Choose a smarter way to pay at your favorite stores—all while staying true to your financially responsible self. Buy now and pay later with a flexible payment plan. It’s that simple—download Affirm and make payments at your own pace today.

Rates from 0% or 10–36% APR. For example, a $800 purchase might cost $73/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check, may not be available in all states, and are provided by these lending partners: affirm.com/lenders . Affirm savings accounts are held with Cross River Bank, Member FDIC. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license.

Ratings and reviews

I absolutely love Affirm! The app is so easy to use. Everything you need to know is on the home screen. You can have multiple loans and it shows what you owe total, but you can tap on the individual items you purchased and get the information for that one; how much the installment payment is and the total you owe for that item. It gives you the option to pay items in full one at a time. I will use this app for everything I can. Thank you Affirm don't change anything and stay awesome 😎

Love this app! Gives notifications for upcoming payments as well as the option for auto pay or for you to log in and pay yourself. I've never had any issues with them deducting more money than they should. They have always deducted the exact amount due on the due date. I had auto pay shut off in beginning and would just pay the bill a day ahead of time and after a while I turned on auto pay and have never had any issues. Great app so far. I've had it for about 6 to 7 months.

I only have 1 complaint. As with most of these types of apps, it tends to run a bit clunky when you're shopping. After that, no gripes. Done a few pay in 4 and a few loans. The loans have helped bump my credit score. Outstanding selection of stores as well. Much like with any of these apps, be smart and don't overextend yourself and it can be a nice little option when you want to buy something for yourself or gift.