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Affirm: Buy now, pay over time

No more sticker shock. The app puts financial control back in users' hands, allowing them to dictate payment terms.

Finance & Crypto ›Shopping & Deals ›

Key Figures

Downloads

25M+

User Rating

4.9/5

Total Ratings

1.7M

Publisher

Affirm, Inc

An Analytical Overview for Discerning Consumers

Key Features of Affirm: Buy now, pay over time

Flexible Payment Plans

The app provides various options to pay over time for purchases, both online and in-store, allowing users to manage their budget effectively. This includes plans up to 12 months or more, catering to different financial needs.

Transparent Payment Structure

It allows users to see their exact payment schedule, including interest (if any, with 0% APR options available) and payment amounts, upfront. There are no hidden fees, late fees, or annual card fees, offering financial clarity.

Affirm Card for Broad Acceptance

This tool features an optional physical or digital Visa debit card, enabling eligible customers to use Affirm's pay-over-time plans for purchases anywhere Visa is accepted in the U.S., significantly expanding its utility beyond partner merchants.

Interest-Free & Low APR Deals

The app provides access to promotional 0% APR payment options and interest-free plans at various brands, allowing users to make purchases without incurring additional costs, which is highly appealing to financially savvy individuals.

Personalized Spending Limits

It allows users to view their estimated purchasing power upfront, helping them understand their spending limits before shopping. This empowers users to make informed purchasing decisions and avoid overspending.

Convenient Payment Management

The app provides tools to easily manage payment plans, including setting up AutoPay, making early payments, or executing one-time payments. This flexibility helps users stay on track with their financial commitments.

FAQ

Frequently Asked Questions

Everything you need to know about Affirm: Buy now, pay over time

What is the Affirm app?

The Affirm app allows users to pay over time for purchases online, in-store, and in the app. It also provides the Affirm Card for use anywhere Visa is accepted in the U.S.

How does Affirm help users manage payments?

Affirm allows users to set up AutoPay or make one-time or early payments. The app displays active and completed plans, including total balance and upcoming payment dates.

Can I use the Affirm Card everywhere?

Yes, the Affirm Card is a Visa debit card that can be used anywhere Visa is accepted within the U.S. Eligible customers can request it through the app.

Does the Affirm Card have annual fees?

No, the Affirm Card does not have card or annual fees. Applying for the Affirm Card also has no impact on your credit score.

What is the maximum purchasing power shown in the Affirm app?

The Affirm app can display a maximum purchasing power of $1,200. This amount is an estimate and not a guarantee of approval or terms.

Does Affirm offer 0% APR options?

Yes, Affirm offers 0% APR options at participating brands, as well as flexible plans over 12 months. Users can discover these deals within the app.

Can I use Affirm with Apple Pay?

Yes, users can pay with Affirm on Apple Pay for flexible payments online and in apps. This feature allows for payment plans at checkout.

What are the typical APR rates for Affirm loans?

Affirm rates range from 0% to 36% APR. Loan options vary based on eligibility and whether the loan is applied for before or after card purchase.

Is Affirm a bank?

No, Affirm is not a bank. The Affirm Card is a Visa debit card issued by Evolve Bank & Trust or Stride Bank, N.A., Members FDIC.

Are minimum purchases required for Affirm payment plans?

Yes, minimum purchase amounts are required for pay over time plans. The specific amount is available in the Card tab of the Affirm app.

The following screenshots and description are sourced directly from the app's official store listing and are the property of the app developer.

App Store

Screenshots

Affirm: Buy now, pay over time - The app provides a clear overview of active plans and upcoming payments, allowing users to conveniently manage their total balance and initiate payments for due amounts. — The app provides a clear overview of active plans and upcoming payments, allowing users to conveniently manage their total balance and initiate payments for due amounts.
Effortless Plan Management

Affirm: Buy now, pay over time - This visual highlights the physical Affirm Card, demonstrating how users can tap to pay with it at any Visa-accepting terminal, extending the app's utility beyond online purchases. — This visual highlights the physical Affirm Card, demonstrating how users can tap to pay with it at any Visa-accepting terminal, extending the app's utility beyond online purchases.
Universal Payment Access

Affirm: Buy now, pay over time - The screenshot illustrates the app's integration with Apple Pay, enabling users to select flexible payment options directly from the secure payment sheet and confirm with a double-click. — The screenshot illustrates the app's integration with Apple Pay, enabling users to select flexible payment options directly from the secure payment sheet and confirm with a double-click.
Seamless Apple Pay

Affirm: Buy now, pay over time - The app's 'Deals' section showcases transparent payment options like 0% APR on offers from major retailers such as Expedia and The Home Depot, allowing users to browse terms upfront. — The app's 'Deals' section showcases transparent payment options like 0% APR on offers from major retailers such as Expedia and The Home Depot, allowing users to browse terms upfront.
Explore Exclusive Offers

Affirm: Buy now, pay over time - This visual demonstrates the extensive network of partners and brands, including Walmart and eBay, where users can discover diverse payment plans and benefit from the app's no-late-fee policy. — This visual demonstrates the extensive network of partners and brands, including Walmart and eBay, where users can discover diverse payment plans and benefit from the app's no-late-fee policy.
Connected Shopping Network

Description

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., or pay with Affirm on Apple Pay. 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 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.