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Affirm: Buy now, pay over time

Affirm: Buy now, pay over time

Flexible payments, big savings

1.7M ratings
1429 reviews
#24 in free Shopping
💰 Finance
🛍️ Shopping
Free

Details

  • Released
  • Updated
  • August 24, 2015
  • September 18, 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 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
+2

What's New in Affirm

4.95.2

September 18, 2026

Bug fixes & performance improvements

Charts

Top Free

📉 24-1

Shopping

This app dropped -1 position in Shopping chart.

Last updated on September 21, 2026.

Top Free

📉 177-2

Global

This app dropped -2 positions in Global chart.

Last updated on September 21, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Broken Log In

New update broke the login process. Will not accept login now
1APHi1APHi

Does not work

Every time I put my password in it tells me to re-enter and do it and nothing happens I reach for support and nothing happens see the pattern
WaFa HongWaFa Hong

Be careful!

If you will use Affirm, make sure the merchant will not charge you a return fee when using Affirm. Wayfair charged me $31 bucks for an item I sent back. Their reasoning is that because I use Affirm, that I am not be able to avail of free returns. So be careful I won’t be using Affirm on any of my purchases as I do not know if the merchants will charge me if I decide to return an Item.
Show more
J2020WakeyJ2020Wakey

Today’s glitch

Logged in. Couldn’t look at my bills. Can’t log out so deleted app. iPhone 16e, ios27.
WhittywhaleWhittywhale

Achat

Super service chez AFFIRM MERCI
MikecotMikecot
See 1424 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.