Best Affirm Apps

249+ iOS apps curated and reviewed

4.8 avg rating
20 free apps
Updated October 2026

Every iPhone needs a few good affirm apps. We benchmark 249+ of them on App Store rating, freshness, and pricing, then surface the standouts so you don't have to scroll the App Store yourself.

Compare top Affirm Apps (October 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.8M)NoNoOct 2026
2Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.4M)YesNoOct 2026
3Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (753K)NoNoOct 2026
4Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (872K)NoNoOct 2026
5Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (121K)NoNoOct 2026
6Shop: Track, Pay, DiscoverShop: Track, Pay, DiscoverFree4.8★ (7.2M)NoNoOct 2026
7Cash AppCash AppFree4.8★ (8.7M)NoNoOct 2026
8PayPal - Pay, Send, SavePayPal - Pay, Send, SaveFree4.8★ (6.3M)YesNoOct 2026

Top Picks for Affirm

Affirm: Buy now, pay over time#1

Affirm: Buy now, pay over time by Affirm, Inc.

Flexible payments, big savings
Editor's Choice
🛍️ Shopping
4.9😞(1.8M ratings)
Free
#18in Shopping
Affirm: Buy now, pay over time screenshot 1
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Affirm: Buy now, pay over time screenshot 3
Affirm: Buy now, pay over time screenshot 4
Affirm: Buy now, pay over time screenshot 5
Affirm: Buy now, pay over time screenshot 6

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.

What We Love

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

Room to Improve

  • 🤔 Confusing payment process
  • 🔒 Security and privacy concerns
  • 🔍 Difficulty verifying identity
  • 🚫 Unexpected account closures
  • 💰 High interest rates
Klarna: Smarter everyday money#2

Klarna: Smarter everyday money by Klarna Bank AB

Cashback, payments, savings
Strong Contender
💰 Finance
4.9😞(2.4M ratings)
FreeAds
#11in Finance
Klarna: Smarter everyday money screenshot 1
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Klarna: Smarter everyday money screenshot 5
Klarna: Smarter everyday money screenshot 6

Shop anywhere with flexible payment options, including interest-free installments and pay-in-30-days. Earn cashback, compare prices, track deliveries, and manage returns easily. Also offers mobile phone service.

What We Love

  • 💳 Easy payment process
  • 📦 Wide range of stores
  • 🕰️ Flexible payment plans
  • 🔍 Convenient for large purchases

Room to Improve

  • 🚫 Inconsistent approval process
  • ⚠️ Lack of Apple Wallet integration
  • 🤖 Automated decision-making issues
  • 🕰️ Slow/delayed refund processing
  • 🤯 Poor customer service
Afterpay: Pay over time#3

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.
Worth Considering
🛍️ Shopping
4.9😐(753K ratings)
Free
#33in Shopping
Afterpay: Pay over time screenshot 1
Afterpay: Pay over time screenshot 2
Afterpay: Pay over time screenshot 3
Afterpay: Pay over time screenshot 4
Afterpay: Pay over time screenshot 5
Afterpay: Pay over time screenshot 6

Shop your favorite brands online or in-store and split your purchases into manageable payments. Get what you want now and pay over time with flexible installment plans, including options to pay in 4 installments or monthly.

What We Love

  • 🚀 Convenient payment plan
  • 💳 No interest or hidden fees
  • 🤝 Good customer service (initially)
  • 📈 Increasing credit limit with usage
  • 🛒 Wide range of participating stores
  • 🕰️ Flexible payment scheduling
  • 💰 Helps with budgeting and affordability

Room to Improve

  • 🐛 App/website technical issues
  • 🔒 Security and privacy concerns
  • 🤖 Lack of human customer support
  • 🔽 Drastic credit limit reductions
  • 🚫 Accounts closed/banned for minor issues
  • 💳 Incompatibility with certain payment methods
  • 🕰️ Automatic payments causing overdraft issues

More Affirm apps to explore

FAQ about Affirm

What are the best affirm apps for iPhone?
Affirm: Buy now, pay over time tops our affirm apps ranking as of October 2026, with a 4.9-star average from 1.8M App Store ratings, and it's free to download.
Yes — 20 of the top affirm apps we rank are free to download, including Affirm: Buy now, pay over time and Klarna: Smarter everyday money.
Affirm: Buy now, pay over time has no ads and has no in-app purchases, according to its App Store listing as of October 2026.
We track 249+ affirm apps on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.

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