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Affirm: Buy now, pay over time

Affirm: Buy now, pay over time

Flexible payments, big savings

1.9M ratings
2104 reviews
#30 in free Shopping
💰 Finance
🛍️ Shopping
Free

Details

Released
August 24, 2015
Updated
November 2, 2026

Features

Background Location Access

Developer

Affirm, Inc.
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About

This app allows users to pay for purchases over time with flexible payment options. It offers a virtual card for use anywhere Visa is accepted and provides access to deals and 0% APR options.

✓Pay over time online and in-app
✓Affirm Card for Visa purchases
✓Discover 0% APR deals
✓Set up AutoPay
✓Request payment plans
✓See purchasing power
Show original description

What users say about Affirm

Reviews of Affirm are mostly negative: the Shopping app is rated 4.9/5 from 1.9M App Store ratings. What users like most: helpful in tough times, convenient financing option. Top complaints: confusing payment process, security and privacy concerns. Summarized from real user reviews.

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

4.107.3

November 2, 2026

- Bug fixes & performance improvements

Charts

Top Free

📊 30

Shopping

The app has maintained its position at 30 recently.

Last updated on November 8, 2026.

Top Free

📉 154-2

Global

This app dropped -2 positions in Global chart.

Last updated on November 8, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Affirm life saver

I love affirm has blessed our family in many ways! We have taken our family vacations that never could before due to funding issues!
Affirm is wonderful!
1112Jexx

Helps with big purchases when money is tight.

This has helped me buy brand new tires, brakes, and rotors and many other things I didn’t have the money for at the time. I don’t have the best credit so it’s a lower interest rate than my credit cards and i usually pay off everything early.
DMDwayne Michaels

8 years now

I recommend affirm to everyone. It’s fast, easy, good rates and you can use it anywhere that takes a card. I have been using Affirm now for 8 years for purchases. Thank you Affirm!
HHshlr

Love Affirm

Affirm allows me to get things I need during these trying times. I really love using Affirm
MRMQ review

Awesome

Better then I could ever hope for more then I expected when I fill out the application. ITS A 10/10 .
B#Big fire #1
See 2099 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 is Affirm?

Affirm provides flexible payment options for purchases, allowing you to pay over time. It offers plans with 0% APR and can be used online, in-store, and with the Affirm Card wherever Visa is accepted.

Does Affirm have ads?

No, Affirm does not contain advertisements. The app is free to download and use for its payment services.

How does the Affirm Card work?

The Affirm Card is a Visa debit card that can be used anywhere Visa is accepted in the U.S. It allows you to request payment plans for purchases, both online and in-store, with no credit impact to apply and no card or annual fees.

What are the interest rates for Affirm?

Interest rates for Affirm range from 0% to 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 two weeks.

Can I pay off my Affirm balance early?

Yes, you can easily make early or one-time payments through the app. AutoPay can also be set up for convenience.

What is the age rating for Affirm?

Affirm has an age rating of 17+, indicating it is intended for mature users due to the financial nature of the application.

How often is Affirm updated?

The latest version of Affirm is 4.107.3, and it was last updated on November 2, 2026. This suggests frequent updates to improve functionality and security.

What devices support Affirm?

Affirm is currently supported on iPhones. Users can download and utilize the app on their iOS devices.