# Affirm: Buy now, pay over time — Flexible payments, big savings

> Flexible payment solutions for online and in-store purchases. (iPhone/iPad app by Affirm, Inc..)

- Source: https://appshunter.io/ios/app/affirm-buy-now-pay-over-time/id967040652 (this page in markdown: same URL + `.md`)
- Developer: [Affirm, Inc.](https://appshunter.io/developer/967040651)
- Category: Shopping, Finance
- Price: Free
- Rating: 4.90/5 from 1,714,410 App Store ratings · 1,359 written reviews indexed
- Age rating: 17+
- Requires: iOS 16.0 · 144 MB
- Languages: American English, Canadian French
- Released: 2015-08-24
- Data updated: 2026-08-27
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/affirm-buy-now-pay-over-time/id967040652/reviews.md

## What is Affirm?

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.

## Key features

- 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

## Chart rankings

- #18 in Top Free · Shopping (US App Store)
- #142 in Top Free (US App Store)

## What do users think of Affirm?

Overall sentiment: negative

**Pros**

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

**Cons**

- 🤔 Confusing payment process
- 🔒 Security and privacy concerns
- 🔍 Difficulty verifying identity
- 🚫 Unexpected account closures
- 💰 High interest rates

**Commonly reported bugs**

- Payment processing issues
- Inconsistent credit limit changes
- Delayed refund processing

**Most requested features**

- Ability to make extra payments
- Clearer communication on payment due dates
- Improved customer support

## Recent user reviews (10 of 1,359)

All indexed reviews: https://appshunter.io/ios/app/affirm-buy-now-pay-over-time/id967040652/reviews.md

### 1/5 — The help section is broken

*2026-08-17, version 4.87.0*

I can’t cancel a card that wouldn’t work, avoid this app like the plague.

### 1/5 — Questionable Product

*2026-08-17, version 4.84.2*

I have tested other buy now pay over time product. This is a ok product not the best out there. Charging high interest when other products don’t. Wouldn’t recommend this product to family, friends, or others due to the following: Management removing all Minority Employees at all levels. Until this has been addressed I will not use this product!

### 1/5 — Multiple charges

*2026-08-17, version 4.84.2*

I attempted to use Affirm with Instacart. I was declined due to an “address mismatch”- although I checked multiple times that my address was correct. I was charged 3 down payments even though I was declined. Customer service told me it would take over a week for the refund.

### 1/5 — Incompetent app

*2026-08-15, version 4.84.2*

This is the worst app I’ve ever please don’t give this app any attention the support is very rude.

### 1/5 — Illogical decision making

*2026-08-15, version 4.84.2*

I used affirm and paid them back every purchase. Now they don’t want to approve me. Ridiculous.

### 1/5 — Unauthorized entries

*2026-08-14, version 4.84.2*

There are three different amounts of money coming out of my checking account and I have NO OPEN BALANCES ON AFFIRM!

### 1/5 — No Confirmation on Payment

*2026-08-13, version 4.84.2*

I was finishing up a payment plan and logged in to review the last payment. 

Two things: the email for the previous payment was sent to my email when I logged in the morning. I made the purchase 5 days ago. The last payment was made without my approval even though I had 10 days left.

Absolutely ridiculous that there is not another page for confirmation and very irritated with this design. I enjoy the flexibility of payment plans but I will never recommend Affirm for any purchases in the future.

### 4/5 — Ehh

*2026-08-13, version 4.84.1*

I was going to give a worse response because I was angry at what another company did. I was very upset when you sent me an email saying any commitments though that payment will be fulfilled, a few minutes later (you owe me)

### 3/5 — cards

*2026-08-13, version 4.84.1*

yall should make all debit cards available to use as a payment

### 2/5 — Hello

*2026-08-12, version 4.84.1*

Why do I keep having issues with my affirm account? I been making payments on time since I started using it. When I got 2 tires a few weeks ago it said I did not have to make a payment for it till August 31th. Just paid my last payment of 13 dollars for my last purchase and I just started a new job doing demolition and had to order boots and a hardhat but is telling me tomorrow the 13 I have to make a payment . And this has happened with all orders I’ve made where the app tells me I need to make a payment one day and then it switches to a different date. And when I got this affirm account I also applied for the Amazon credit card for a bonus gift card but I never even got this bonus gift card and got the credit card with my own deposit to my card.

## Frequently asked questions about Affirm

### 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.

## Version history (last 5 releases)

### 4.89.1 — 2026-08-24

- Bug fixes & performance improvements

### 4.87.3 — 2026-08-21

- Bug fixes & performance improvements

### 4.87.0 — 2026-08-17

• Bug fixes & performance improvements

### 4.84.2 — 2026-08-13

- Bug fixes & performance improvements

### 4.84.1 — 2026-08-10

• Bug fixes & performance improvements

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## More apps by Affirm, Inc.

- [Affirm Debit+](https://appshunter.io/ios/app/affirm-debit-plus/id1573446659)

All apps by Affirm, Inc.: https://appshunter.io/developer/967040651

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*