Affirm: Buy now, pay over time
Affirm, Inc
- Compliance
- Law-aligned
- Category
- Shopping
- Download
- 10M+
- Safety
- 100% Safe
- Price
- Free
- Developer
- Affirm, Inc
Screenshots
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) or Stride Bank, N.A. (Stride), Members FDIC, pursuant to licenses from Visa U.S.A. Inc. Affirm is not a bank. FDIC insurance will only cover the failure of Evolve and/or Stride. 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 Financing Law license 60DBO-111681. 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.
Browse and buy
Affirm: Buy now, pay over time lets you search products and check out in the app.
Track orders
Follow purchases from checkout through delivery.
Save for later
Wish lists and carts hold items until you are ready.
Advantages
- Search and filters help you find items quickly.
- Saved details make repeat checkout faster.
- Order history keeps past purchases in one place.
What users say
Kate Voorheis
Mar 7, 2025
Surprisingly straightforward — both the app & the Affirm "program" itself. The interest that they will charge for each purchase is clearly shown, up front, with options to pay smaller amounts over a longer period (more interest in the long run) or larger amounts over a shorter time (less interest overall). Over the past year & half, I've used it for 8 orders, two of which I've paid off, with no surprise fees. And the interest rates they charge are scarecly much higher than most credit cards!
LCD_ scream
Aug 8, 2025
Affirm has been an absolute blessing for me and my family because it makes purchasing expensive items so much easier. As long as you have a job/steady income and a bank account, you're able to pay over time (usually around 3-18 months, it gives different options). I've been able to use it for both planned and unexpected purchases. Making on-time payments and successfully completing purchases improves your credit score too. Highly recommend!
12-Strand LS
Aug 30, 2025
It is nice to have an option to pay over time if you didn't expect to make a purchase any given moment. Affirm has been very helpful in this way. Use of there phone app makes it very convenient to see your offered lending availability, details of a purchase, when payments are due etc.... You can shop within the app or online at any merchants site and take a look if merchant provides Affirm as an option. Only negative would be high interest rate but it seems every bank/lender has high rates.
Chris Brown
Jan 27, 2025
Horrible account design. Your account is attached to a phone number, so if someone else has the number before you and had made an account, they will show up when you use that number to log in. Even though they can adjust it, it still doesn't work on other sites because it thinks it still belongs to the other person. This is a bad design when phone numbers change.
Bobby Dawkins
Sep 6, 2025
Great buying experience and their payment options really keep the consumer in mind. Great option for rebuilding credit too as taking these micro loans with them for buying products has bumped up my credit score. 5 years later, good credit score,near flawless payment history yet 2 planned purchases in a row that are not for unusual amounts are denied for the reason of insufficient funds and they keep locking my virtual and physical card while claiming they've unlocked it. Closing my account.
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