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.
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.
v4.105.3
October 21, 2026
• Bug fixes & performance improvements
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3 issues
Payment processing issues
Inconsistent credit limit changes
3 requests
Ability to make extra payments
Clearer communication on payment due dates
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.
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.
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.
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.
