Affirm: Buy now, pay over time 4+

Shop deals & make payments

Affirm, Inc.

    • Free

iPhone Screenshots


Shop stress-free at any store and pay over time with flexible payments. There are no late fees, hidden fees, or surprises—ever.

Why you’ll love using the Affirm app:
• Buy now and pay over time at almost any store
• Get access to exclusive deals and rates as low as 0% APR
• Manage your account and make payments
• Open a high-yield savings account with no minimums and no fees

Shopping with Affirm is simple and easy:

• Shop your favorite store, find what you want, and choose the payment plan that works best for you and your budget.
• We’ll check your eligibility. (This only takes a moment and won’t affect your credit score.)
• Choose the payment option and plan that works best for your budget.
• Complete your purchase online or at a physical store with Apple Pay or Google Pay.

Now is the time to responsibly treat yourself with buy now, pay over time flexibility. Shop at your favorite stores the smarter way with Affirm.

Rates from 0-30% APR. Payment options through Affirm are subject to an eligibility check, may not be available in all states, and are provided by these lending partners: Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lender license. Affirm savings accounts are held with Cross River Bank, Member FDIC.

What’s New

Version 3.160.0

Bug fixes & performance improvements

Ratings and Reviews

4.9 out of 5
1M Ratings

1M Ratings

Kelly Biloxi, Mississippi ,

Affirm 2 thumbs up!

Affirm has been so convenient to use with affordable monthly payments! Just download the app and apply for credit right from your device! No phone calls, no sales person to talk to. I needed a loan for a vacation I wasn’t prepared to pay for in full, well I was on my Orbitz app, shopping for a hotel/package deal I’d never heard of Affirm before they offered me a low monthly installment payment drafting from my personal checking account so I was able to pay for my hotel stay and round trip flight from New Orleans to Chicago for 2! Yes that’s right and was on my way within minutes! It’s so easy!
I also needed an expensive gift for my son that I had promised him for Christmas and yes again I was buying new tires and wheels for his truck that day with preapproved credit card access. That’s right, Affirm actually provides you with a picture of a credit card within seconds and i just started shopping. Again, no call sales, no forms to sign and listen to this; no leaving the house to go pick up a loan check, take it to the bank and deposit it. I’ve had 3 successful loans and plan on many more. I’ve told so many of my friends and family about this app and it’s conveniences I feel like a walking billboard for them! Good luck and happy shopping!

Biloxi, Mississippi

hernameisnotknown ,

This app… 🙌

This app is the personification of a saint 😙👌Better to me than my own family.

To elaborate, I have never, ever had a problem with a single one of the HUNDREDS of loans I’ve gotten through them since discovering their app about a year ago. This app has honestly changed my life, I have a good job with a steady income but I still struggled with larger purchases/having all of that money at once, but Affirm has solved this problem. For things I would typically have to save awhile for, I can just split and pay over the next few weeks or months! AND— please don’t change this 🤞 🤞— NO LATE FEES!! I mean I’ve only ever had to go a few days without paying when my employer couldn’t pay me while she had Covid, but they don’t charge you anything!! Amazing!! The people behind this app are SO generous and honestly I feel like they are kinder than my family has ever been. I actually have nice things now and feel super proud of myself for giving me all of the things I’ve been wanting, which they enabled me to get for myself a lot sooner than I would otherwise be able to! Thank you so much Affirm! You’re one of the good ones.

Alvie H ,

Overall good but...

Easy to use, pretty self explanatory app. Enjoyed it a lot to pay for a jewelry purchase. However, if you make a payment, interest will still accrue while the payment is processing, which can take a few days. I made extra payments and set it up to do a final payment on the amount leftover, and had an item I thought paid off 1.5 months early, and I log into Affirm and it says I still owe 42 cents. Why would anyone pay all but 42 cents for an item? Affirms system left me unable to pay the remainder as I’ll explain further. No problem, I try to pay the remaining 42 cents, but it cannot take a payment below $1. So I think okay, I’ll pay a dollar, but no, it won’t take more then the balance due. This is not an acceptable set up. My interest rate is low so it’ll be a long time before it’s accumulated to be able to make the dollar payment. I wanted to have it paid off as of the last payment. Which should have been the case. The app should not be set up in such a flawed way that people cannot be able to make early payments IN FULL and their loans be paid off. If anyone from Affirm is reading this, fix this bug in your system right away and make everyone’s lives a little easier. These flaws only hurt consumer confidence in your system.

App Privacy

The developer, Affirm, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Contact Info
  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Contact Info
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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