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Affirm: Buy now, pay over time

Affirm: Buy now, pay over time

Flexible payments, big savings

1.7M ratings
1421 reviews
#20 in free Shopping
💰 Finance
🛍️ Shopping
Free

Details

  • Released
  • Updated
  • August 24, 2015
  • September 14, 2026

Features

Background Location Access

Developer

Affirm, Inc.
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Affirm: Buy now, pay over time screenshot #6 for iPhone
📊no. 146
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❓4 answered
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About

This app allows users to pay for purchases over time with flexible payment options. It offers clear payment plans, deals, and the ability to set up automatic payments. Users can also apply for a card to use anywhere Visa is accepted for convenient installment payments.

✓Pay over time online and in-store
✓Flexible payment options
✓Discover 0% APR deals
✓Set up AutoPay
✓Affirm Card for Visa purchases
✓Request payment plans before/after checkout
Show original description

What users say

Summarized from real user reviews of Affirm. Based on 1.7M reviews and a 4.9/5 average, it highlights the 3 positives and 5 negatives reviewers mention most about this Shopping app.

Positive things

  • 🙏Helpful in tough times
  • 💳Convenient financing option
  • 📈Improved credit score

Negative things

  • 🤔Confusing payment process
  • 🔒Security and privacy concerns
  • 🔍Difficulty verifying identity
  • 🚫Unexpected account closures
  • 💰High interest rates
See all reviews
+1

What's New in Affirm

4.95.1

September 14, 2026

Bug fixes & performance improvements

Charts

Top Free

📊 20

Shopping

The app has maintained its position at 20 recently.

Last updated on September 17, 2026.

Top Free

📊 146

Global

The app has maintained its position at 146 recently.

Last updated on September 17, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Payment

I have switched phones and I have done everything I possibly can to put in a number to login, it always goes in the first time, and then when it says to verify it, I absolutely nothing happens. It won’t even let me put in a number so how am I supposed to pay my bills? I haven’t even been able to pay AFFIRM due to this issue.. There’s no more for me to complain or to get help and I have been with AFFIRM for many years and I absolutely love this app, but this is ridiculous!
Show more
BellaAmor70BellaAmor70

Glitchy

Returns to login and won’t process it
Tis MariTis Mari

Dee

This app is a Revolution!!
This app is on Steroids!
absolutely wonderful goodness grace I don’t really need a credit card, Affirm is it!
Thanks Affirm!!!
Dee.
PTHC. LLC/DeePTHC. LLC/Dee

Unable to Update Phone Number

I talked to customer support, and it took about half an hour. I had to verify my profile twice, but I’m still unable to update my phone number, so I can’t log in to my account.
saimonh3saimonh3

Affirm

I’ve been really happy with my Affirm account, I know exactly how much my payments are and they keep me posted and send reminders when my payment is due, my favorite way to get the things that I want and need with low reasonable payments…
Thank You Affirm🤗
CharttyChartty
See 1416 more reviews

Developer apps

Affirm Debit+
Affirm Debit+

by Affirm, Inc

💰 Finance

(194)

Free
See developer apps

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User experience

🐞

Reported Bugs

3 issues

Payment processing issues

Bug

Inconsistent credit limit changes

Bug

Delayed refund processing

Bug
✨

Requested Features

3 requests

Ability to make extra payments

Feature

Clearer communication on payment due dates

Feature

Improved customer support

Feature

FAQ

What does the Affirm app do?

The Affirm app allows you to pay for purchases over time with flexible payment options. You can shop with brands that offer clear payment plans, discover deals including 0% APR options, and manage your payments through the app. It also offers the Affirm Card for wider purchasing flexibility.

What are the key features of the Affirm app?

Key features include the ability to see your purchasing power, shop brands with flexible payment options, discover deals and 0% APR plans, set up AutoPay, and request to pay over time with the Affirm Card. The Affirm Card can be used anywhere Visa is accepted in the U.S.

Is Affirm free to use?

The app itself is free to download and use. While there are no card or annual fees for the Affirm Card, interest rates can range from 0% to 36% APR depending on the purchase and your eligibility. Minimum purchase amounts may be required for payment plans.

What are common use cases for the Affirm app?

Common use cases include spreading out the cost of larger purchases like electronics or furniture, managing holiday shopping expenses, or simply opting for more flexible payment terms on everyday items. The Affirm Card extends these payment options to most places where Visa is accepted.