Affirm: Buy now, pay over time

4.8
331K 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 23, 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
319K reviews
A P
April 20, 2024
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#.
65 people found this review helpful
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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.
31 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
CyndraTyler siblings forever
April 19, 2024
Have used for several years, now suddenly my available spending goes to 0. Get email saying due to my credit. 1. Approved when credit was very bad. Credit since improved. Income also increased. 2. Credit only dropped due to hard pulls Affirm did. 3. They use your credit to take away but don't report good payments. 4. I've NEVER missed one payment and often paid early. Lastly, don't tell me a loan is determined individually because my email clearly stated you won't give me ANY loan!
5 people found this review helpful
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Affirm, Inc
April 19, 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

What's new

Miscellaneous fixes and improvements