Affirm: Buy now, pay over time

4.8
332K reviews
10M+
Downloads
Content rating
Everyone
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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.
Updated on
Apr 26, 2024

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
Location and App info and performance
This app may collect these data types
Personal info, Financial info and 3 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.8
320K reviews
Mark Haddon
April 7, 2024
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.
43 people found this review helpful
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Affirm, Inc
April 9, 2024
We're sorry to hear this. Please don't hesitate to reach out to us at (855) 423-3729 if you have any questions. We're always happy to help! -JS, Customer Care
Christina “Boo”
April 11, 2024
I love Affirm! I dont have the best credit score, I hesitated on applying for Affirm. Every day, I would go to stores & look at all the items I could buy, but I couldn't. Then, one day, I was curious and checked out with affirm, and surpriseingly, it went through. I picked a plan and was super excited that i could get all my items from my cart and have affordable monthly payments. I love it and am looking forward to using this service even more!!
47 people found this review helpful
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J T
April 22, 2024
This just goes off credit score. It literally says "you're not approved because of your credit score" I used this for Christmas presents for 5 years never missed 1 payment but now that I have medical debt I have been denied for every single thing i have attempted to use it for. You really have no options without a perfect credit score in this country. Aside from that I had login issues everytime, had to "update" my phone number which never changed once everytime I would login.
7 people found this review helpful
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Affirm, Inc
April 22, 2024
Because we consider each transaction separately, the amount that you can borrow from Affirm will be dependent on the information that we have at the given time. Just because your loan wasn’t approved for this particular purchase doesn’t mean you can never obtain financing with Affirm.- CJ, Customer Care