Affirm: Buy now, pay over time 3.246.1

Affirm, Inc. – Freeware – Android iOS
out of 1430407 votes

Affirm: Simplifying Your Purchases with Flexible Payments

Boris Weber

04/01/2025

Affirm offers consumers an easy way to buy now and pay later, providing transparent financing options without hidden fees or surprises.

Experience a stress-free shopping experience with the flexibility of paying over time using Affirm. Now, select customers can enjoy the convenience of the Affirm Card™.

Why you'll love using the Affirm app:

Enjoy the option to pay over time at almost any store
Gain access to exclusive deals and take advantage of rates as low as 0% APR
Effortlessly manage your account and make payments
Open a high-yield savings account with no minimums and no fees

Take your Affirm Card wherever you go:

Use your Affirm Card both online and in person
Planning a significant purchase? Request a payment plan within the app before heading to the store
Shopping on-the-go? Link your bank account for convenient payments almost anywhere. You can also use the app to request payment plans for eligible purchases after making a swipe. Please note that a minimum purchase may be required for payment plans. Additional details can be found in the footer.

Shopping with Affirm is simple and hassle-free. Browse your favorite stores online or in-store, select the payment terms that align with your budget, and complete your purchase at checkout or with your Affirm Card.

The Affirm Card, issued by Evolve Bank & Trust, Member FDIC, is a VisaⓇ debit card that allows you to pay over time. Pay-over-time plans must be applied for each purchase within the mobile app and are subject to eligibility checks. They are provided by affirm.com/lenders. Please note that a minimum purchase is required for pay-over-time plans, and this information can be found in the Card tab of the app. If a purchase does not qualify for a payment plan, you authorize Affirm to initiate an ACH debit from your linked bank account within 1-3 days of the purchase. If you reside in California, loans by Affirm Loan Services, LLC are made or arranged in accordance with a California Finance Lenders Law license. Visit affirm.com/licenses for licenses and disclosures.

Rates range from 0 - 36% APR. Loan options vary and are subject to eligibility, as well as whether your loan is applied for before or after your card purchase. Please note that there are minimum purchase amounts for loans, and a down payment may be required. Availability may vary by state. Affirm savings accounts are held with Cross River Bank, Member FDIC.

Overview

Affirm: Buy now, pay over time is a Freeware software in the category Home & Hobby developed by Affirm, Inc..

The latest version of Affirm: Buy now, pay over time is 3.246.1, released on 07/04/2024. It was initially added to our database on 09/07/2023.

Affirm: Buy now, pay over time runs on the following operating systems: Android/iOS.

Users of Affirm: Buy now, pay over time gave it a rating of 5 out of 5 stars.

Pros

Offers a way for customers to make purchases and pay for them over time, which can increase purchasing power and conversion rates for merchants
Provides a transparent and easy-to-understand pricing structure, with no hidden fees or compounding interest
Integrates seamlessly with various e-commerce platforms, making it easy for merchants to offer Affirm as a payment option
Helps customers budget their purchases by allowing them to see upfront the total cost of their purchase broken down into fixed monthly payments

Cons

May encourage overspending if customers do not carefully budget their payments
Some customers may not qualify for Affirm financing, potentially leading to lost sales for merchants
Defaulting on payments can negatively impact a customer's credit score

FAQ

What is Affirm?

Affirm is a financial technology company that offers buy now, pay later (BNPL) services, allowing consumers to make purchases and pay for them over time.

How does Affirm work?

Affirm allows consumers to choose a payment plan at checkout, which can be broken down into monthly payments. Customers can select the payment terms that work best for them.

What types of payments does Affirm accept?

Affirm accepts debit cards, credit cards, and bank transfers as payment methods.

What are the eligibility requirements for using Affirm?

To qualify for an Affirm loan, you must be at least 18 years old, a resident of the U.S., and have a valid mobile phone number and an email address.

Does Affirm charge interest?

Depending on the plan selected, Affirm may charge interest. Interest rates can range from 0% to 30% APR, depending on your credit profile.

Are there any fees associated with using Affirm?

Affirm does not charge late fees or hidden fees. However, if you miss a payment, it may affect your credit score.

Can I use Affirm for any online purchase?

Affirm is partnered with many retailers, so you can use it where you see the option at checkout. It is not available everywhere.

How do I manage my Affirm account?

You can manage your Affirm account through their mobile app or website where you can view payments, check balances, and update payment methods.

What happens if I miss a payment?

If you miss a payment, your account may incur additional fees if applicable, and it could impact your credit score.

Can I pay off my Affirm loan early?

Yes, you can pay off your loan early without any prepayment penalties.

Boris Weber

I am an editor at UpdateStar. I started as a support engineer, and am now specialized in writing about general software topics from a usability and performance angle among others. I telecommute from UpdateStar’s Berlin office, when I am not working remote as a digital nomad for UpdateStar. When I'm not analyzing the latest software updates, you can find me exploring new cities, immersing myself in local cultures, and discovering innovative tech trends across the globe.

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Latest Version
3.246.1

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