Affirm: Buy now, pay over time

Affirm, Inc

About this app

Shop stress-free and pay over time with flexible payments. Now select customers can take Affirm everywhere with the Affirm Card™.

Why you’ll love using the Affirm app:
• Pay over time at almost any store
• Get access to exclusive deals and rates as low as 0% APR
• Manage your account and make payments
• Open a high-yield Affirm Money Account with no minimums and no fees

Take your Affirm Card with you everywhere:
• Use your Affirm Card online or in person
• Planning a big purchase? Request a payment plan in the app before you head to the store
• If you’re shopping on the go, you can link your bank account to pay with your card almost anywhere, or use the app to request to pay over time for eligible purchases after you swipe. Minimum purchase may be required for payment plans. See footer for additional details.

Shopping with Affirm is simple and easy—browse your favorite stores online or in-store, choose the payment terms that work best for your budget, and complete your purchase at checkout or with your Affirm Card.

The Affirm Card is a VisaⓇ debit card issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc. 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. 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. The Affirm Money Account is held with Cross River Bank (CRB), Member FDIC. Affirm is not an FDIC-insured bank. FDIC insurance covers accounts held with CRB in the event of a CRB failure.

Ratings and reviews

Affirm is a fantastic option for short-term installment financing when you have the money, but it would be easier on the wallet if you could break it down over the month. It's super easy to use and, in many cases, interest-free with an exception to longer duration loans * at that still lower interest than my major cards APR. Highly recommend over credit card use for larger purchases and accepted at most merchants. Amazon accepted, though somewhat cumbersome, it works and will link based on tel#.

I have use affirm for several different purchases in the past couple years and I have had no issues. The start up process is quick and easy. You get a denial/approval answer back within minutes. They tell you right up front want you can spend and a list of stores that accept affirm as a payment. I haven't had to deal with any customer service issues but they do maybe the info listed right in the sight. And also using the service will not effect your credit as they don't report.

Most of my experiences have been positive. However, I've been trying to plan a purchase on Amazon, and you apparently can't for Amazon. It takes you their website, and you have to reapply for a whole account. Customer service has completely skipped my question and given me "solutions" that have nothing to do with my question. If they can resolve this, I'd give it 5 stars, but the incompetence of the support and not being able to plan a purchase when I have plenty available is aggravating.

What's new

Miscellaneous fixes and improvements