# PayBright by Affirm — Shop now, pay later > Buy now, pay later service for flexible installment payments at various retailers. (iPhone/iPad app by Paybright Inc.) - Source: https://appshunter.io/ios/app/paybright-by-affirm/id1573968832 (this page in markdown: same URL + `.md`) - Developer: [Paybright Inc](https://appshunter.io/developer/1078450965) - Category: Shopping - Price: Free - Rating: 1.80/5 from 20 App Store ratings · 55 written reviews indexed - Age rating: 4+ - Requires: iOS 13.4 · 19 MB - Languages: American English - Released: 2022-01-06 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/paybright-by-affirm/id1573968832/reviews.md ## What is PayBright by Affirm? Shop at your favourite stores and pay over time with the PayBright app. Get instant approval for payment plans with no hidden fees and no compounding interest, ever. Manage your account and all your transactions using the PayBright app. Easily update your payment method and see when upcoming payments are due. Plus, our shop directory lets you find your favourite stores and discover new brands offering buy now, pay later. How PayBright works: 1 Select PayBright at checkout at your favourite stores. 2 Get set up in 60 seconds by providing your mobile phone number. 3 Confirm your payment plan. Enjoy your purchase today and pay later! Why you’ll love PayBright: ● No hidden fees ● No compounding interest ● Offers as low at 0% APR SET UP EASY, AUTOMATIC PAYMENTS Update your payment information, view previous transactions, and track upcoming payments. You can even make early payments to pay off your plan faster. SHOP FOR WHAT YOU LOVE Shop the latest trends using the PayBright app. Browse through all the retailers in our shop directory and filter by categories such as fashion, beauty, home, electronics, hobbies, and more! *Monthly payment amounts, interest, and loan terms may depend on your personal credit profile. Some conditions apply. All transactions are subject to approval by PayBright. Please note that PayBright is an independent payment company and partners have no influence over whether your payment with PayBright is accepted or not. Please see terms for full details. ## Key features - Shop now, pay over time - Instant approval for payment plans - No hidden fees - No compounding interest - Manage account and transactions - Update payment methods - Discover stores offering BNPL ## Recent user reviews (10 of 55) All indexed reviews: https://appshunter.io/ios/app/paybright-by-affirm/id1573968832/reviews.md ### 1/5 — App doesn’t work *2025-02-10* App doesn’t work at all ### 1/5 — Doesn’t allow you to update payment information *2024-10-19, version 1.4.2* For two years hasn’t allowed customers to update credit card on file. ### 2/5 — Not accessible *2024-08-22, version 1.4.2* Light grey text on a white background is nearly impossible to read. ### 1/5 — DO NOT PISS ME OFF! *2024-06-09* JUST DOWNLOADED THE APP ABD AS SOON AS I ENTER MY PHONE NUMBER IT KEEPS SAYING THAT I OPTED OUT IF TEXT MESSAGES FROM PB. EVEN WHEN USING MULTIPLE PHONE NUMBERS, I KNEW THERE WAS A RED FLAG BECAUSE IT SAYS OPTED IUT IF TEXT MESSAGED INSTEAD OF MESSAGES. ### 2/5 — Was good *2024-03-06, version 1.4.2* This app was good but now when I open there is no shop option witch sucks what is going on with this app? ### 1/5 — I am very disappointed *2024-02-03, version 1.3.8* They are really not professional at all. It's been almost two weeks. I couldn't change my email address. I called and sent messages many times, but I still couldn't change it. I gave it one star, actually it doesn't even deserve one star. Technical support ### 1/5 — Terrible app and costumer service. *2024-02-01, version 1.3.8* Since Affirm took over the app is terrible. I cannot update the payment method and the payment due day is coming soon. Do not use it. You can ended up affecting your credit score because a default payment. ### 1/5 — Garbage *2024-01-24, version 1.3.8* You can sign in and see a black screen. Wanted to check my account because they’re still taking my money but I thought I was done. Convenient for them. ### 1/5 — Stupid App, Horrible Customer Service *2023-11-12, version 1.3.8* Cannot change my email or home address. It’s says something went wrong, bruh! ### 1/5 — WORST customer service *2023-10-30, version 1.3.8* This is the worst company to deal with. I’ve been calling since August to have my account closed. (I paid on time every month, and paid off account BEFORE the due date term) They keep telling me it will be 10 days to process that request, only for me to have to call back weeks later to ask AGAIN to close the account and them saying they have no record of me requesting that, even though I have emails with dates on them. Horrible HORRIBLE customer service. ## Frequently asked questions about PayBright by Affirm ### What is PayBright by Affirm? PayBright by Affirm is a service that allows you to shop at your favorite stores and pay for your purchases over time with flexible payment plans. It offers instant approval for payment plans with no hidden fees and no compounding interest. ### How does PayBright work? To use PayBright, you select it at checkout at participating stores. You'll get set up in about 60 seconds by providing your mobile phone number and then confirm your payment plan. You can then enjoy your purchase immediately and pay for it in installments. ### Are there any hidden fees or interest with PayBright? No, PayBright emphasizes that there are no hidden fees and no compounding interest. They offer payment plans with rates as low as 0% APR, though monthly payment amounts, interest, and loan terms may depend on your personal credit profile. ### How can I manage my PayBright account? You can easily manage your account through the PayBright app. This includes updating your payment method, viewing previous transactions, and tracking when your upcoming payments are due. You can also make early payments to pay off your plan faster. ### Where can I use PayBright? You can use PayBright at your favorite stores that offer it as a payment option. The app includes a shop directory where you can find participating retailers and discover new brands across categories like fashion, beauty, home, electronics, and hobbies. ## Version history (last 5 releases) ### 1.4.2 — 2024-02-21 Easier payment updates ### 1.3.8 — 2022-11-16 Feature optionally bulk update payment method on grouped contracts. ### 1.3.7 — 2022-09-27 Universal Linking ### 1.2.3 — 2022-06-09 Small UI changes to background color ### 1.2.2 — 2022-05-02 Enables over the air updates ## Apps similar to PayBright by Affirm | App | Rating | Price | Category | | --- | --- | --- | --- | | [Affirm: Buy now, pay over time](https://appshunter.io/ios/app/affirm-buy-now-pay-over-time/id967040652) | 4.9 (1,713,963) | Free | Shopping | | [Four \| Buy Now, Pay Later](https://appshunter.io/ios/app/four-buy-now-pay-later/id1527063669) | 4.8 (107,662) | Free | Shopping | | [Sezzle: Buy Now, Pay Later](https://appshunter.io/ios/app/sezzle-buy-now-pay-later/id1434922495) | 4.9 (287,722) | Free | Shopping | | [Zip - Buy Now, Pay Later](https://appshunter.io/ios/app/zip-buy-now-pay-later/id1425045070) | 4.9 (819,615) | Free | Shopping | | [Afterpay: Pay over time](https://appshunter.io/ios/app/afterpay-pay-over-time/id1401019110) | 3.1 (384) | Free | Shopping | | [Uplift - Buy Now, Pay Later](https://appshunter.io/ios/app/uplift-buy-now-pay-later/id1595621944) | 4.7 (3,689) | Free | Shopping | --- *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.*