Affirm: Buy now, pay over time
4.104.4
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4.104.4
Pay over time with Affirm online, in-store, and in the app.
Senior reviews editor
Affirm is a buy now, pay later service. It lets a shopper split the cost of a purchase into payments made over time, at online checkouts, in stores and in the app itself.
It suits people who want to spread the cost of a purchase across several payments instead of paying it all at once.
Plans can be 4 interest-free payments every 2 weeks, or monthly payments over a longer term such as plans over 12 months. Rates run from 0 to 36% APR, and some brands offer 0% APR options. The developer's example is an $800 purchase split into 12 monthly payments of $77.99 at 30% APR.
Approval depends on eligibility, and some plans have minimum purchase amounts or a required down payment. Loan options may depend on whether the loan is applied for before or after the card purchase. Purchases that are not matched to a plan are paid by an ACH debit from a linked bank account within 1 to 3 days.
The Affirm Card is a physical Visa debit card that works anywhere Visa is accepted in the U.S. Eligible customers can get one, and the developer says applying does not affect credit. The card is issued by Evolve Bank & Trust or Stride Bank, N.A., both Members FDIC, and the developer notes that Affirm is not a bank.
A payment plan on a card purchase is requested in the app, either before or after checkout, whether the purchase is made online or in a store. The Card tab shows the minimum purchase needed for a plan. The developer lists no card or annual fees.
The app puts an estimate of purchasing power at the front. The developer says that figure is an estimate and may include a down payment at checkout, and that approval and terms are not guaranteed.
AutoPay can be set up, and early or one-time payments can be made from the app. Plans must be applied for on each purchase in the mobile app, and are subject to eligibility checks.
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