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

Great way to make big purchases overtime anytime. For example I find a $1500 TV that's on sale for $999. I have the money but don't want to use it all at once so I use affirm to help me pay that overtime. The app tells you how much you qualify for and goes up the more you pay off your purchases thus gaining trust. I started from about $700 to $3000! Haven't seen it build my credit score but aparently it depends on your lender to report it they may choose to or not. Overall great app to shop.

I love everything about Affirm. I love the payment schedules, except I wish they would offer more 18-month options on the website or app itself. I love that your spending power increases with paid in full purchases. I love the high apy savings account. The only other suggestion I could make is to allow for payment stopping when items have been returned. However, affirm is quick to acknowledge the return and credit the account. I appreciate the service in general.

It's been great. I've slowly been building up my credit and this has helped me so much with purchasing clothes, airline tickers and concerts. I like that they send reminders that a payment is coming up. My spending power has been increasing so that has been helpful. I've had no problems. I have the card as well which helps when I misplace my other cards😅

What's new

Miscellaneous fixes and improvements