With Affirm, you can split almost any online purchase into easy monthly payments. Unlike a credit card, there are no hidden fees and no surprises. Just enter a few pieces of information for a real-time decision, then choose the payment schedule that works for you!
HOW IT WORKS
1. Enter your purchase amount and where you’re shopping.
2. Get an Affirm virtual card and use it to complete your purchase.
3. Pay Affirm back over 3, 6, or 12 months.
Available rates (10–30% APR based on your credit) and terms are shown at checkout. A down payment may be required. A credit check is required, though checking your eligibility won’t affect your credit score. For purchases under $100, limited payment options are available. Affirm loans are made by Cross River Bank, a New Jersey-chartered bank, Member FDIC.
Use the Affirm app to:
• Buy with Affirm almost anywhere online
• Make payments on your Affirm loans
• Manage your Affirm account
With Affirm, there are no hidden costs and no gimmicks. We guarantee that you’ll never owe more than what you see upfront. And if you pay early, you can save on interest.
Founded in 2012 in San Francisco, Affirm’s goal is to give consumers more control over their finances. We believe our services are only as good as they are convenient, honest, and secure. We employ encryption and information safeguards to keep your information safe at all times.
- Bug fixes.
Ratings and Reviews
Affirmative on Affirm App!
This app was a savior in a rough time for me. I had a huge expense essentially eliminate all of my savings at the time, and wouldn’t you know it - suddenly I needed more money for a flat tire. Doesn’t make much sense to replace one tire at a time, so at bare minimum I needed to get two. I had a few days left before payday so I needed a good chunk of money to make my purchase and I was talking to my sister, who told me about Affirm. It was so simple. No credit check. No hassle. I put in my information, and was approved for way more than I needed. Making a purchase was just as simple too!! This app is so easy to maneuver, and to get the money you need - and to pay back. The interest rate is high, but if you pay it back early and timely, the amount paid towards interest is worth the ease and ability to borrow money from a lender from an app. No phone calls, no pesky questions, no credit checks, and I get money for my purchase. It’s amazing. You cannot use this with Apple Pay or to send money through Western Union or any of those apps. It’s all electronic currency, nothing you will ever be able to put in your hands.
Awesome Service & App!
This is a such great financial service. I really like the fact that there are no hard credit checks performed and the terms are not the same as a traditional credit card where there is a revolving balance. They have an extremely extensive listing of participating retailers in multiple categories such as clothing (including super high end like LV), beauty, home appliance & furniture stores, and even some major airliners plus travel services such as Expedia! Travel expenses, especially if you need to make plans last minute, can be extremely costly, so having the option to use Affirm to fund your purchase instead of putting it on a credit card is awesome. I also love the fact that you can get an estimate of the amount you may qualify for, and that the total you’re ultimately approved for isn’t fixed. Another thing I appreciate is not being penalized for paying off my loans in advance. Oh, and the app is just as fantastic too. Super easy to navigate, straight forward FAQ/answers, and is very aesthetically pleasing. I am so, so thankful for this service, 5/5 stars all around!
5 stars all around!
I found this through way-fair - I wanted to buy a new mattress (which we all know they get fairly pricey) and I found one I liked and it was on sale so I wanted to seize the opportunity, but didn’t have as much as I needed. I used Affirm to buy the mattress and everything has been wonderful. The process to borrow was fast and simple, the interest rates are relatively high but that’s assumed with companies like this - that being said, if you pay it off quickly and in lump sums you save on interest fees and essentially get it for a decent price with the interest. After all, you can’t expect to borrow money and not give money for the convenience. I wouldn’t use this all the time or in a frivolous manor, but it def is great to use on purchases like I mentioned above. I haven’t had any problems with Affirm. I got the money, spent the money, repaid the money in a timely manner, and everything was as it should be. 5 stars, all around!
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With Family Sharing set up, up to six family members can use this app.