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

I have over all really good things to say. Purchases are easy, payment is beneficial as it starts later, after the purchase, gives you time to plan out payment. Also encourages many kinds of usage, experiences, and benefits etc. Returns are okay. Sometimes it's not as black and white and in that event, it's harder to return. I also wish that they would lower the rates for interest on longer payment plans by some, at least a few dollars. Otherwise, pretty great. Easily managed.

Used for something like 4 years, continually paying things off and taking a new loan. Advertised the more you used it, the liklier your purchase power would increase. Always paid everything off. had purchasing power of over $3000.00. Despite all that history and responsibility, can't even use it for anything due to external credit taking a one time hit for something totally unrelated. So much for it's promise of continuous use leading to increased purchasing power.

Excellent app. Simple and easy to use.. I've used it since 2020 and I have not had any issues 2021 update. Like all the other apps cannot reach anyone to discuss issues.. Disappointing.. Nov 2021 update.. updated to 4stars. Still cannot reach anyone if help is needed.. update July 2025 awesome app. Able to reach CS for assistance. Mobile App payment layout could be visually clear.

What’s new

Miscellaneous fixes and improvements