# Affirm Debit+ > A debit card offering flexible payment options for purchases, with pay-in-full or pay-over-time choices. (iPhone/iPad app by Affirm, Inc.) - Source: https://appshunter.io/ios/app/affirm-debit-plus/id1573446659 (this page in markdown: same URL + `.md`) - Developer: [Affirm, Inc](https://appshunter.io/developer/967040651) - Category: Finance, Shopping - Price: Free - Rating: 3.13/5 from 194 App Store ratings · 54 written reviews indexed - Age rating: 4+ - Requires: iOS 15.2 · 40 MB - Languages: English - Released: 2021-09-20 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/affirm-debit-plus/id1573446659/reviews.md ## What is Affirm Debit+? Meet the Affirm Debit+™ card. Use it to pay in full, or choose to pay over time in the app when eligible. It’s a brand new way to pay for pretty much anything, pretty much anywhere, in store or online. Shop for purchases big and small Pay up front with your card for your everyday purchases, or choose to split bigger ones in the Debit+ app when eligible. Enjoy the flexibility you need, when you need it. Get flexible payment options We’ve got payment plans that work for you and your budget. Before you buy, request monthly payments or interest-free installments—with an initial payment due at purchase—when eligible. Or request to pay in 4 in the app for up to 24 hours after your purchase. No fees, no kidding We don’t charge any kind of fees. Instead, you get a simple, transparent way to take control of your purchases. The total amount owed you see in the app will never change—from day one to day done. Pay with it almost anywhere Use Debit+ wherever Visa is accepted. You can pay with the physical card (available in 4 eye-catching colors), or you can tap to pay with the digital card on your phone. And of course, you can use it online like any other card. Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Your rate will be 0% - 36% APR based on credit, and is subject to an eligibility check. Affirm Pay-in-4 payment option is 0% APR. Options depend on your purchase amount, may vary by merchant, and may not be available in all states. A down payment may be required. For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks. California residents: Affirm Loan Services, LLC is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681. Debit+ Banking Services are provided by Evolve Bank & Trust, Member FDIC, issuer of the Affirm Debit+ Visa® Debit Card pursuant to a license from Visa U.S.A. Inc. Debit+ is not available to residents of U.S. territories. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506. For licenses and disclosures, see affirm.com/licenses. ## Key features - Pay in full or over time - Flexible payment plans - Interest-free installments - Pay in 4 option - No fees - Accepted wherever Visa is accepted - Physical and digital card options ## What do users think of Affirm Debit+? Overall sentiment: negative **Pros** - 👍 Good concept and product - 🚀 Works perfectly for some users - 👍 Easy and convenient to use (for some) **Cons** - 🐛 Constantly losing bank connection - 🐛 App is unpredictable - 🐛 Transactions decline unexpectedly - 🐛 Says $0 available with funds in bank - 🐛 Account no longer connected notifications - 🐛 Tired of signing in daily - 🐛 Card doesn't offer payment plans - 🐛 Charged full price unexpectedly - 🐛 Customer service unhelpful - 🐛 Issues connecting bank account - 🐛 No funds available despite linked account - 🐛 Reconnecting bank causes errors - 🐛 Card becomes unusable - 🐛 Doesn't support most banks - 🐛 Forces access to all bank data via Plaid - 🐛 Refund issues - 🐛 Denied transactions unexpectedly - 🐛 iOS compatibility issues - 🐛 Misleading payment split options - 🐛 System prompts to download but not invited - 🐛 No purchases approved - 🐛 Confusing setup process - 🐛 Cannot verify identity - 🐛 Link process broken for specific banks - 🐛 Fake offer, not available - 🐛 Cannot move forward after passcode - 🐛 Connection lost repeatedly - 🐛 Bank details incorrect error - 🐛 Cannot finish setup - 🐛 Bank won't link - 🐛 Prequalified one minute, not the next - 🐛 New changes not worth bother - 🐛 Requires online banking password - 🐛 Kicked off account, still owe money - 🐛 Network fail error - 🐛 Unknown network failure - 🐛 Not on waitlist despite email - 🐛 No transactions eligible to split - 🐛 App released prematurely - 🐛 Giving up bank login is risky - 🐛 Daily purchases don't have same concept - 🐛 Must have funds available to split - 🐛 Poor quality, terrible customer service - 🐛 Cannot see purchases in app - 🐛 No cash back rewards - 🐛 No other benefits (insurance, etc.) - 🐛 Forced to have funds in checking account - 🐛 Misleading and useless card **Commonly reported bugs** - App is very unpredictable - Losing connection to bank account - Card declines transactions unexpectedly - Shows $0 available when funds are present - Account no longer connected notifications - Requires daily sign-in - Card doesn't offer payment plans - Charged full price instead of split - Bank account disconnected due to technical issues - No funds available to use with card - Errors when trying to reconnect bank account - Bank still shows as linked after access revoked - Cannot re-add bank account - Card is unusable - Does not support most banks - Forces access to all bank data via Plaid - Refunds not processed - Transactions denied unexpectedly - Changed iOS compatibility - Purchases not eligible for split payments - System prompts to download but user not invited - No purchases approved or meet qualifications - Confusing setup process - Cannot verify identity - Link process broken for specific banks (e.g., USAA) - Offer is fake, not available - Cannot move forward after entering passcode - Connection with linked account lost repeatedly - Bank information entered incorrectly error - Cannot finish setup process - Bank won't link - Prequalified status changes unexpectedly - New changes make card less useful - App requires online banking password - Kicked off account unexpectedly - Network fail error - Unknown network failure - Email indicates early access but app says not on waitlist - Transactions not eligible for split - App released prematurely - Cannot see purchases within the app - Purchases do not appear until after 24 hours, losing split option **Most requested features** - Offer cash back rewards - Offer other benefits like car rental insurance - Allow users to select benefits via layered membership fees - Manual bank information entry option - Better documentation on purchase amount preapproval process - Support for more banks - Allow splitting payments regardless of checking account balance (like before) ## Recent user reviews (10 of 54) All indexed reviews: https://appshunter.io/ios/app/affirm-debit-plus/id1573446659/reviews.md ### 2/5 — Please update this app *2023-05-08* This app is very unpredictable. You can wake up with 500 to spend and never spend from your bank account. But mid-day it’s going to decline transactions and tell you you’ve gone over the limit. Then it’ll say $0 available and still show the money you have in your bank account. Next notification comes within 24 hours: “YOUR ACCOUNT IS NO LONGER CONNECTED” I’m tired of signing into my account every day for this app to work. Its starting to feel like fraud. **Developer response:** Thanks for sharing your experience with us. Feedback from our customers is one of our greatest resources. Please know that your feedback has been taken to heart. -TL, Customer Care ### 2/5 — Good product, Awful App *2023-04-13* Love the concept and the product. The App is constantly losing connection to bank my account. For no apparent reason. Nothing has changed. No a fan of having to constantly link my bank account and re connect. Will Probably stop using product due to the constant app hassle. **Developer response:** Thank you for taking the time to share your feedback. We’re sorry to hear that your experience with us was less than desired. We try hard to make every experience positive, but we looking forward to improving with the help of this feedback. -TL, Customer Care ### 1/5 — Doesn’t work as advertised *2023-04-05* Im a long time Affirm customer and generally pretty happy with the company but I jus got their new Debit + card and activated it yesterday and went to Home Depot to get some paint and supplies i needed for $155. The card didn’t give me the option to select payment plans and instead said “ Your available to split amount is currently unavailable”. Affirm says Your supposed to have 24 hrs to decide if you want to split payments but I got none of that. Im just being charged full price from my checking account. Customer service couldn’t explain to me what at Home Depot wouldn’t be eligible for payment plans. All I bought was paint supplies and thats not on Affirms restricted list so I'm at a lost but since it’s my first time using this card, I don’t want any more surprises so I’ll probably just cut up the card. Big disappointment for me. **Developer response:** Thank you for sharing your insights with us. It’s hard for us to hear that you had a negative experience, as we always do our best to provide our customers with the best support possible. We look forward to improving with the help of this feedback. -TL, Customer Care ### 1/5 — Issues with connecting bank account *2023-04-01* When I first signed up I was able to link my bank account just fine. Having the card now for several months I get notification my bank account was disconnected due to technical difficulties. When I go into Affirm Debit + my account j for is still linked and there, shows my current balance, but says I have no funds available to use with my Affirm Debit + card. I tried to reconnect my bank account but keep getting errors. When I go to my bank it says they are still connected to Affirm Debit +. I had the bank stop allowing them access so I could re-add my bank account but when I go into Affirm Debit + it stills shows it even though I had the bank stop their access. So I again try to add my bank account but again get the same error. I keep getting emails stating I need to re-add my account. How can I re-add when it won’t let me not to mention it still shows it’s linked. Now the card is unusable which is fine as I had not even used it yet because I’m still trying to figure out how it even works. **Developer response:** We would like the opportunity to investigate your feedback further. Please could you contact us at customercare@affirm.com or call our team at (855) 423-3729? We’ll work with you to resolve any issues as quickly as possible. -TL, Customer Care ### 1/5 — Doesn’t support most banks even with Plaid *2023-02-08, version 1.0.212* I tried in the following order, Robinhood, Chime, SoFi and even my local credit Union UCCU. Seems like they only want you if you’re dealing with the big boy banks but since I don’t I guess I won’t. Big thumbs down from me. What does it matter who I bank with, you can see my balance in plaid and you’re debiting via ACH. You’ve lost a potential customer. **Developer response:** We're sorry if we've let you down. We deeply respect your concerns, and we will try to combine your feedback with our R&D, in order to provide better products. -TL, Customer Care ### 1/5 — Dangerous to connect your bank *2023-02-03, version 1.0.212* It’s extremely dangerous to connect your banking account to this app via Plaid the processor Affirm uses to access your debit card. You see you not only forced give Plaid access to one debt card but you are forced to grant them access to EVERYTHING you have with that particular bank. They want your overall bank signin, not just one account, they get access to all debit cards you have, all credit cards, any loans and your entire bank statement, in short any and all information your bank has Plaid (and therefore Affirm) receive access to. Too massive a risk for me **Developer response:** Thanks for sharing your experience with us. Feedback from our customers is one of our greatest resources. Please know that your feedback has been taken to heart. -TL, Customer Care ### 5/5 — No cash back rewards *2022-12-29, version 1.0.208* Card works perfectly for me. Only two drawbacks: 1. No cash back rewards 2. No other benefits like car rental insurance etc. Maybe Affirm can offer us the choices to select the above benefits by paying layered membership fees? If we have such choices available, I will close my other credit cards. **Developer response:** Thanks for your feedback! We deeply respect your concerns, and we will try to combine your feedback with our R&D, in order to provide better products. -TL, Customer Care ### 1/5 — Terrible Service *2022-12-19, version 1.0.208* First off, I will start off by saying when the service first launched everything was fairly smooth. I was able to connect my bank, and make a few purchases successfully splitting the purchases. Then for some reason affirm had some technical issues and my bank was disconnected. I tried to re-connect and my bank was no longer supported for some reason. So i closed my account. I had one of my purchases refunded after i closed my account and its now been over a month and affirm still hasnt given me my money, and customer service has been awful everytime I reached out so at this point I dont think ill ever get my refund. Lastly, i think its stupid that you have to have enough money in your checkings account in order to complete a purchase for that matter just use your actual debit card… **Developer response:** We apologize for the difficulties you experienced while registering with us. If you would like some assistance or additional information, please contact us via customercare@affirm.com and we will be happy to help you further. -TL, Customer Care ### 2/5 — Disappointed *2022-11-29, version 1.0.205* I was approved, received my card info, applied to make several purchases under a specific amount. I was told I had 2 hours to complete my transactions. The card was denied and only approved for what was available in my personal account. **Developer response:** Thank you for taking the time to share your feedback. We’re sorry to hear that your experience with us was less than desired, but if there is anything we can take a closer look at don't hesitate to reach out to us at (855) 423-3729. -TL, Customer Care ### 1/5 — Changed the iOS compatibility so I can no longer use *2022-10-21, version 1.0.178* Changed the iOS compatibility so I can no longer use ## Frequently asked questions about Affirm Debit+ ### What is this app and card? This app is associated with the Affirm Debit+ card, a new payment method that allows you to pay for purchases either in full at the time of sale or choose to split eligible purchases into flexible payment plans. It can be used in-store or online wherever Visa is accepted. ### What are the payment options available? You can pay for purchases upfront with the card. For eligible purchases, you can choose to split them into monthly payments or interest-free installments, with an initial payment due at purchase. There's also a 'Pay in 4' option for up to 24 hours after your purchase. ### Are there any fees associated with this card? No, there are no fees associated with the Affirm Debit+ card. The total amount you owe is transparent from the beginning and will not change. ### Where can I use the Affirm Debit+ card? The Affirm Debit+ card can be used wherever Visa is accepted. This includes in-store purchases with the physical card, contactless payments with the digital card on your phone, and online purchases. ### What are the eligibility requirements for payment plans? Eligibility for payment plans, including monthly payments or interest-free installments, is subject to an eligibility check. The availability of these options may depend on the purchase amount, the merchant, and your location. A down payment may also be required. ## Version history (last 4 releases) ### 1.0.219 — 2023-06-14 Bug fixes and performance improvements ### 1.0.218 — 2023-06-08 Bug fixes and improvements ### 1.0.217 — 2023-05-01 Bug fixes and performance improvements ### 1.0.215 — 2023-02-21 Bug fixes and performance improvements ## Apps similar to Affirm Debit+ | App | Rating | Price | Category | | --- | --- | --- | --- | | [Cuenta Monedero](https://appshunter.io/ios/app/cuenta-monedero/id6443587680) | — | Free | Finance | | [7StarPay](https://appshunter.io/ios/app/7starpay/id1571496540) | 4.8 (9) | Free | Finance | | [MoneyT - Money Tracker](https://appshunter.io/ios/app/moneyt-money-tracker/id1641340520) | — | Free | Finance | | [BravePro - Crypto store](https://appshunter.io/ios/app/bravepro-crypto-store/id1609771540) | 5.0 (1) | Free | Finance | | [UmoPay](https://appshunter.io/ios/app/umopay/id1563005080) | 1.0 (1) | Free | Finance | | [Quyana](https://appshunter.io/ios/app/quyana/id1593460100) | 5.0 (4) | Free | Finance | ## More apps by Affirm, Inc - [Affirm: Buy now, pay over time](https://appshunter.io/ios/app/affirm-buy-now-pay-over-time/id967040652) All apps by Affirm, Inc: https://appshunter.io/developer/967040651 --- *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 2026-06-10.*