Affirm: Buy now, pay over time

172K reviews
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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 0-30% 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 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.
Updated on
Sep 27, 2022

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
App info and performance
This app may collect these data types
Personal info, Financial info and 3 others
Data is encrypted in transit
Data can’t be deleted
172K reviews
Tm B
September 26, 2022
Appreciate the app. Works well mostly. But the constant notifications from ads for services offered should stay in emails. The notifications on my phone's notification bar are aggravating. I keep thinking "Oops I have payment coming up for Affirm?" everytime I see that. Its stressful. I dont want to turn off notifications from Affirm because I dont want to miss a payment notification. Now that I have said this, I realize I can set reminders in my calendar & turn off app notifications completely.
9 people found this review helpful
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Affirm, Inc
September 28, 2022
Thanks for your feedback! We deeply respect your concerns, and we will try to combine your feedback with our R&D, in order to provide better products. -TL, Customer Care
Tower of Vape (Rich)
August 6, 2022
This company makes it easy to purchase needed items like phones and emergency travel. With the easy payment schedule, one may only have to set up autopay with their bank and forget about it until you receive an email saying it's paid off. I would not use this service beyond your means unless it's a good reason. Make sure your income easily matches your budget; even paying in installments. Overall fantastic service to do business with!
163 people found this review helpful
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L S Colby
August 5, 2022
I use affirm with Amazon. On Amazon, Affirm turns up as just another payment option, but not for all items. I've used Affirm to buy things that would exceed my limit on a credit card and to buy less expensive items on a short payment schedule. Each purchase is paid off separately. The time for repayment varies with item cost. The app is straight forward. Customer support was excellent when I wanted to reschedule a payment due just before the end of a month to the first of the next month.
136 people found this review helpful
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