Affirm: Buy now, pay over time

Affirm: Buy now, pay over time

By Affirm, Inc.

  • Category: Shopping
  • Release Date: 2015-08-24
  • Current Version: 3.233.1
  • Adult Rating: 4+
  • File Size: 157.25 MB
  • Developer: Affirm, Inc.
  • Compatibility: Requires iOS 15.0 or later.
Score: 4.87016
4.87016
From 1,421,987 Ratings

Description

Shop stress-free and pay over time with flexible payments. Now select customers can take Affirm everywhere with the Affirm Card™.  Why you’ll love using the Affirm app: • 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 Take your Affirm Card with you everywhere: • Use your Affirm Card online or in person • Planning a big purchase? Request a payment plan in the app before you head to the store • If you’re shopping on the go, you can link your bank account to pay with your card almost anywhere, or use the app to request to pay over time for eligible purchases after you swipe. Minimum purchase may be required for payment plans. See footer for additional details.  Shopping with Affirm is simple and easy—browse your favorite stores online or in-store, choose the payment terms that work best for your budget, and complete your purchase at checkout or with your Affirm Card.  The Affirm Card is a VisaⓇ debit card issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Pay-over-time plans must be applied for each purchase in the mobile app, are subject to eligibility checks and are provided by affirm.com/lenders. Minimum purchases are required for pay over time plans; the amount is located in the Card tab of the app. For purchases that are not approved for and matched to a payment plan, you authorize Affirm to initiate an ACH debit from your linked bank account within 1-3 days of the purchase. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license. For licenses and disclosures, see affirm.com/licenses. Rates from 0 - 36% APR. Loan options vary, are subject to eligibility, and may depend on whether your loan is applied for before or after your card purchase. There are minimum purchase amounts for loans, a down payment may be required, and may not be available in all states. Affirm savings accounts are held with Cross River Bank, Member FDIC.

Screenshots

Reviews

  • Not good at Marriott Hotels

    2
    By cspital one
    I tried to used the card to pay 3 different hotels under Marriott wings and card declined all the time even that I called prior to my trip to Spain. Will not recommended for Hotels
  • The “Manage” screen lacks any real functionality to make informed decisions

    3
    By EdsBrain
    I’m not sure why the initial manage screen has such limited information. It shows you a list of all the loans you have, and shows you the monthly payment, but doesn’t have anything else like the monthly due date for that particular line item or the balance left on the loan. Would be really nice if it had those. I use this to finance projects that take a long time to get paid. When I get money, I want to pay off the loans and that type of information would make it easier for me to just send payments. But no, we have to go inside each loan and look it up and waste time. My two cents.
  • Loving it!!!

    5
    By youbrangab
    What more can I say? I love Affirm. With affirm, I don’t have to be in a corner to get approved for a loan. On demand, my approval comes in second with flexible payment options. I wish all banks were like Affirm. I love Affirm.
  • Great for building credit!

    5
    By brookiepoo38
    I love Affirm!! It is difficult sometimes to just make large necessary purchases no matter what in be all at once! Affirm allows me the opportunity to buy online or in store and break those large purchases down into a payment plan I can choose! It offers several options for different stores like Walmart 0% interest for those who qualify plus the amount of stores I can purchase from is all I could want!! It direct drafts your payments from your checking account however you set up to pay in the beginning purchase, as you make your payments on time and pay things off it builds your line of credit amount as well as after you have finished paying off your purchase it will put great payment history on your credit report which helps boost points. If for some reason you do not make your payment on time it will not hurt your credit report unless you let it go 30 days or more! But it can hurt your line of credit next purchase. It’s a great way to make those big purchases you can’t or don’t want to pay for all at once, while building up a great line of credit and credit history on your credit report! There are several apps that work this way now, I feel more comfortable using these more frequently then using my credit cards! I don’t use my actual credit cards but for emergency reasons only.. they are harder to pay off and effect my credit report so much more! You will not regret using Affirm! Download the app and get started today! Buy a set of new tires, furniture you may be needing, vacation you want to take it’s all available with Affirm!
  • Terrible customer service

    1
    By Punker169
    Somehow my phone number is connected to a random email account thru Affirm, yet my actual email also states that it is in use with Affirm so now I have absolutely no way to get in to my account, I possibly could have someone using my information, and I also have no way to get ahold of customer service because I have no way to call and they don’t help you over email. Great app.
  • Too many updates

    1
    By Aggrav@ted User
    Why do I need to update every single time I try to log on to this app? It’s a big hassle to have to do this every time.
  • If I could I would give them 0 stars

    1
    By Jamesp82
    Been using them since 2021. Always paid my purchases off early. Have a credit score of 790. Make 76k a year. Then all off the sudden they took away my ability to make purchases! Customer service can’t give me a reason why. Will go back to using Kalarna.
  • Worst BNPL App Ever

    1
    By I_Am_Hondo
    Don’t waste your time with this garbage app! They do not offer buy now pay later service. Try Afterpay instead. Much better, and certainly more professional.
  • Listen to the bad reviews

    1
    By Blessed Beeb
    Purchased some items online and it turned out it was a fake store. Not only did affirm report my account late, shows on credit report and other applications such as Klarna and Apple Pay Later, to where I could not use any of them. Took about 2 weeks total for the whole process, no empathy at all for a 60 dollar purchase lol. I’ve always made my payments on time, have paid multiple, multiple loans off, and never had this issue before. I am now not allowed to use Affirm. Wouldn’t recommend any of them, they just take your money and don’t care about anything else. Good luck if you have any issues. As to the response, I CANT MAKE A PAYMENT DUE TO IT BEING LOCKED SINCE ITS A FAKE COMPANY. WHY WOULD I PAY AND WHY WOULD YOU HOLD ME ACCOUNTABLE WHEN SOMEONE ELSE IS SCAMMING PEOPLE!!!!!! Your response is idiotic. Thank god my purchases are almost paid off!!!!!! Whoooo hoooo!!! Won’t be using affirm again.
  • They destroy your credit

    1
    By SandyA3
    Since December 2022 I have been facing a few hardships that both increased my debt/expenses and decreased my income. I’ve lost my job, home , and when I found a new apartment my rent doubled. Affirm was the ONLY company that not only made absolutely zero effort to assist with debt relief or payment management. When I had an issue with my payment method or requested to push a payment date to pay day they would not assist with resolving the issue and posted several delinquent remarks on my credit. The absolute worst and do not care about their customers at all.

keyboard_arrow_up