Affirm: Buy now, pay over time

Affirm: Buy now, pay over time

  • Category: Shopping
  • Release Date:
  • Current Version: 3.138.1
  • Adult Rating: 4+
  • Developer: Affirm, Inc.
  • Compatibility: Android
  • Links: Google Play Store
834,418 Ratings
$ 0

Affirm: Buy now, pay over time App

With the Affirm app, you can shop stress-free at any store and pay over time with flexible payments—there’ll be no late fees, penalties, or hidden costs of any kind. How does Affirm work? It’s simple: Find your favorite store, shop and fill your cart, and choose the payment plan that works best for you and your budget. Complete your purchase online or at a physical store with Apple Pay or Google Pay. We’ll check your eligibility and then you’re good to go! (This only takes a moment and won’t affect your credit score.) You'll have more flexibility, so you can choose the payment option that works best for you and your budget. Plus, you'll never be hit with late fees, penalties, or any hidden fees—ever. With winter deals and holiday sales happening every day, now is the time to take advantage of buy now, pay over time flexibility. Why you’ll love using the Affirm app: Buy now and pay over time at almost any store. Get exclusive offers as low as 0% APR. Manage your account and make payments. Open a high-yield savings account with no minimums and no fees. Say yes to more of the things you love while staying true to your financially responsible self. Don’t miss out on the things you love. Shop now and pay later, it’s really that simple—download Affirm and pay at your own pace today. 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.

Affirm: Buy now, pay over time app screenshots

Affirm: Buy now, pay over time app reviews

  • Awesome app 5/5

    By sonja0408
    Thank goodness I found an app that is simple and straight forward, other apps are so confusing their not worth using!
  • Bad 2/5

    By Christy3Bees
    The app never worked efficiently. Doesn’t work at all since my phone updated.
  • Hassle Free 5/5

    By D J Night Train
  • I really love affirm for3 years used 5/5

    By Asct$
    I really love used affirm 3 years or ready
  • Great Service 5/5

    By carp0695
    Affirm is a great service. I have used it for multiple purchases around the holiday’s. Thank you!
  • I simple love affirm 5/5

    By patty AK
    I have completed several transactions with affirm without ever having an issue. Making your payment is easy. Shopping is simple. I would recommend affirm to anyone.
  • It’s good but 4/5

    By greatest 1ne!!!!!!!!
    They should add dark mode for this app. Long overdue for that
  • Can’t use bill pay 2/5

    By NotHappy4231
    Very disappointed that I’m unable to setup a ACH Payment from my checking account and I have no choice but to store my debit card info in they’re system to make a payment.
  • Read the fine print! 1/5

    By Bigotudo
    If for some reason you don’t receive your goods they won’t be able to help unless you do a claim within a very short period. On my case I ordered a custom lithium battery for an electric bike $2200. The company seems to be going out of business and I never got what I paid for. Called affirm and they wished me good luck!
  • App 5/5

    By 66👑
    The app is so easy to use and easy to understand for seniors like myself. Nice payment set up also.
  • Great 5/5

    By Devinwaltn
    I really like affirm
  • So happy 5/5

    By brokenangel110209
    I am so happy to have found Affirm !! Affirm has made it possible for me to purchase items I never thought I would be able to have by allowing me to make payments !! I have a litter robot now thanks to affirm which I just love so much ( and so do my cats lol ) and once I make the last payment in 2 weeks I will be able to get Christmas gifts for my family that I wouldn’t of been able to purchase without Affirm . I have told all of my family and friends about Affirm and how great it is and I love the refer a friend incentive program that they offer as well . Once one of my friends makes a first purchase they recieve 30$ off and I recieve 30$ off as well !! I’m just so grateful to have found the Affirm app ! Keep up the good work !!
  • Really stupid rules 1/5

    By Kenediii
    I got approved for a purchase on Amazon for about $400. Ended up having to return one of the items for $190, so I figured maybe I would get myself something else and use this. After doing the steps to verify my identity, I was told they couldn’t verify my identity, so I filled out a help form. I got an email this morning saying their “decision was final. We are unable to offer you another chance to provide your identifying information.” This is the dumbest thing I have ever heard of. I wasn’t told what exactly they couldn’t verify- I took a photo next to my drivers license and everything. Instead of letting me resubmit it, I’m just completely unable to use this again. I think they need to do a complete reevaluation on how they approve people, because clearly something is wrong with their system.
  • Can’t sign in 1/5

    By JerryG63
    I’m trying to sign in to my account through the app and it keeps taking to to the “create an account” page. When I input my email it says there is an account associated with that email. Yes, I know that. I’ve tried multiple times and it’s the same thing over and over. So why can’t I sign in to my account?
  • Not what it seems 1/5

    By msimpolite
    So I thought I’d try out this service it’s new to me. First off nothing like lay-a-way as I was informed it was, you can’t get what you need and make payments, you have to get everything that’s up to your limit. Your limit depends on your income. You can’t add to your order. My payments at purchase said to be $31 a mo. I get my bill and it’s $64+ a mo. They don’t accept credit cards. If I had know all this I would have just bought the items str8 away. They give you the option to make one full payment anyway, I am scared to attempt incase more charges are added from interest. Definitely not worth it. Just buy it out right and save the stress. Update if I decide to pay on full.

    By Chappyj1
    Very very sophisticated app! Powerfully designed. Very smooth. Well throughout!
  • Completely Satisfied 5/5

    By TabbyCatRoxy
    Love the simplicity
  • “Friendly helper” 5/5

    By Snow Whitte
    Love,love,love affirm. Makes life more easier when you’re on a budget allowing you still get the things you really need.
  • Affirm is trash!!! Klarna is way better!!! 1/5

    By Polo1521
    Tells me I’m pre-approved for $500, but when to try and purchase says I’m not approved for loan due to credit!!! I thought they don’t do credit checks as per website!!! Don’t use this app!! Klarna is way better!!! No credit check!!! Always approved for purchases!!!
  • Customer service 1/5

    By brattsie
    It’s really baffling to me how they treat their customers. They NEVER make themselves available to their customers. You know, the reason they have a job? I’m just done with these people
  • Affirm did honor loan agreement 1/5

    By Foxcboo
    I was promised I could make 3 PYMNTS for this loan. However instead of making an adjustment they affirm decided to put more than 2 payments in one payment, then allow a 2nd pymnt of the remaining balance. That was not part of the loan agreement!
  • Terrible App! 1/5

    By hdjdhajdk
    App wouldn’t except my payment information soI have two different cards on the app and they don’t give you any way to delete all the cards or cards and I don’t work.Also I couldn’t find any help information.
  • Greatest Payment App 5/5

    By jrhuudud
    Greatest Payment app on the market right now! Highly recommended.
  • Best way to make big purchases. 5/5

    By Omonroe29
    Affirm is simple and straight forward so you know exactly what you will pay. They have no late fees and has been the best credit experience I have had.
  • Stuck in Create Account/Log In Loop? Read This 1/5

    By StardustBabe
    I’m looking forward to seeing if Affirm redeems itself: I had to approve some car repairs by checking out online, and I couldn’t get Affirm to log me in. It sent me into a cycle of trying to create an account to being told I already have an account to being told to create an account. I went through this loop way too many times, like 10 times or something, while walking home from the car repair place bc it would be hours before it’s ready, with my child. Highly inconvenient not to mention kind of unsafe to have to be on the phone while walking very busy streets with a kid in tow. In the end, I had to pay out of pocket instead of being able to defer the cost. It wasn’t until I got home that I finally was able to get ahold of a person, after another simultaneous unmerry-go-round of trying to get support online, by calling 1(855)423-3729 - which wasn’t easy to find while walking, it’s like they really don’t want you to get support - who told me the reason I was stuck in this cycle is bc my name is in their database but not fully signed up or something? 🤷🏻‍♀️Whatever, that person, whose name I think might be Sebastian, was very helpful and liberated my name from the database so I could create a new account. So, basically, it’s thanks to Sebastian that I am still using Affirm and I’m going to see if Affirm redeems itself. Affirm should really tell people if their name is stuck on a database and the steps to get out of that loop right off the bat. Honestly, it was very frustrating bc of the time wasted, the stress, and the fact I had to pay in full today when I could have potentially spread it out over 4 payments. Not to mention, they’re not making that up to me. The one upside is that once I did find and call that number it was easy and quick to talk to a person.
  • Awful company 1/5

    By Mrs. Cox09
    I opened an account and placed an order. I paid the order off in full early, yet affirm wouldn’t extend me anymore credit and sent a bad credit review on payments to my credit. What I don’t get is if I paid it off early and all my payments where made how is that bad payment history? Don’t use affirm they are crooks and even if you pay it off early or in schedule they will give you bad payment history with them. Will never use again I can tell you that.
  • I love this app easy to buy and pay... 5/5

    By Lena Travatti
    Love this
  • Help 1/5

    By Kari1925
    I would like to be able to chat with an actual person on the app not a robot. Very frustrating.
  • Makes my life so much easier 5/5

    By tinyskilz
    I am so thankful for Affirm, so many things I wouldn’t be able to afford especially around the Holidays but now I can through Affirm they make my life so much Happier and easier…thank you🥰
  • No Hassles 5/5

    By DNogues
    Love Affirm and their policies. Great option for spreading payments and lower interest than my credit cards. Websites are easy to navigate and checkout is a breeze.
  • Great app for credit but high APR 4/5

    By machinist2021
    Great for letting you purchase almost anything, flexible pay periods, but the APR is really high, and longest term I’m offered is 1 year max.
  • Will never use again 1/5

    By sampaw777
    Purchased an item and paid through affirm. I never received the item and found out that the merchant was a scam. Have been disputing the purchase for a month now and affirm keeps sending me the same automated message saying to try to contact the merchant for a refund even though I sent affirm all of the emails that I sent the merchant and told them that this was a scam. Obviously affirm does not offer fraud protection for their customers and if they do, they make it very difficult to dispute fraudulent charges. Never going to use affirm again.
  • Affirm 5/5

    By jamjamjammam
    The best thing that's every happen to me
  • It makes buying so much easier! 5/5

    By Hazel aloha808
    I love affirm. It makes buying so much easier, fast and convenient. Process is easy and paperless.
  • M&T bank 5/5

    By Tootie 0087
    Tootie 0087
  • Worst customer service ever 1/5

    By JOE H 79
    The app is decent and no major issues with the app. They have it down when it comes to be a service provider that charges you money and they have many convenient options to pay your debt. Unfortunately that is where it ends as the customer service team is uneducated and lacks the ability to comprehend and provide you outstanding service. Amazon advertises they pay top dollar for quality workers and above the industry standard to offer exceptional service to there customers and Affirm or Cross River Bank does the opposite. They seem to pay minimal and hire staff who aren’t trained and don’t offer quality service. Thumbs way down! If I could give them a half star it would be well deserved. If you are desperate and need a quick short loan these guys will do the trick however if you having any problems don’t expect any service.
  • Impossible to find Human 2/5

    By DogMom444
    The dispute purchase page - NOT avail on the app, only desktop, is freezing - in Chrome AND Edge, AFTER clearing data, it is getting stuck, the uploaded documents are not appearing, there is no way to verify what types of documents can be uploaded, there is no customer service number, there is no customer service email.
  • Use of Affirm website 5/5

    By clsudie
    This website is very easy to use. It is very user friendly. I was able to create my account and made my first payment in just a few minutes without any problems.
  • Love ❤️ affirm 5/5

    By sheilaabshire
    Thanks for helping me through these rough times affirm I so appreciate you
  • Awesome. 5/5

    By Gingerhitman93
    This is awesome! I love the app and how easy the service is to use.
  • Only A Finance Company 1/5

    By Subhuman113
    Remember this phrase!! if u make a purchase through their app, and have problems, dont count on affirm to help as they are only a finance company
  • Love affirm 5/5

    By crum11
    Wonderful app. Easy payment and easy to get loan
  • What a lift 5/5

    By carolebeasley
    When my old phone would not download a app I needed I had to get a newer phone. While I hate android phone I bought one and was surprised I could use affirm. Thank you guys for your help.
  • App use 5/5

    By UNOwn54
    Easy fast great app
  • Afirm 5/5

    By GloriaMichelleMoore
    best service ever and rewards
  • Easy Peasy 5/5

    By TA*3a*
    Works amazing and easy to schedule one time payment
  • Can’t buy gun parts with Affirm. 1/5

    By Stangbangin310
    I think it’s a really stupid policy considering how many laws are already regulating firearms & parts. Also my transaction was perfectly legal in my state and country had i just used another firearm/American friendly service such as Credova. Affirm has made it very clear that they are against the 2nd Amendment of the U.S. Constitution.
  • Love shopping with affirm! 5/5

    By DarleneandMike
    Love doing my shopping with affirm! So easy and convenient!
  • Buyer Beware 1/5

    By Foot me once
    Made a payment on purchase by debit card- this card was only used for this purchase and several days later purchases were being made on my card. Somehow someone at affirm took my credit card info and tried to make purchases. After paying this purchase off I will not use Affirm again.