Affirm

4.5

RATINGS

5M+

Downloads

3+

Age

About this app

Version

3.194.2

Requires OS

7.0 and up

Age

3+

Released on

January 13, 2021

Updated on

3 Days Ago

Developer

Affirm, Inc


Affirm is an app designed to help you make purchases conveniently while spreading your payments over time. Known for its transparent payment system, this app allows you to shop at a variety of stores without worrying about hidden fees or surprises. With Affirm, you can purchase items in categories such as electronics, home goods, furniture, and more.

To get started with the Affirm app, download and install it on your preferred device. As you shop, you can select Affirm as your payment method at checkout and choose from a range of customized payment plans, typically spanning from three to 48 months. Remember that the goal of using Affirm is to make stress-free purchases and manage your finances with ease, confidence, and clarity.

Affirm: A Flexible App for Buying Now and Paying Over Time

The Affirm app offers you a convenient way to make purchases online and pay for them over time, without stressing about late fees or compounding interest. This buy now, pay later service helps you manage your budget better and avoid the pitfalls of traditional credit cards. Here are some notable features of the Affirm app:

  • Interest-free options: With certain brands, Affirm lets you spread the cost of your purchases over several installments with 0% APR, allowing you to enjoy interest-free payments for up to 12 months.
  • Flexible payment plans: Affirm offers various financing options to suit your budget, such as paying in 4 installments or over 3, 6, or 12 months.
  • Transparent fees: The app does not charge any late fees or hidden charges, ensuring a hassle-free experience while managing your payment plans.
  • No impact on credit score: A soft credit check is performed when you sign up for Affirm, but it does not affect your credit score. However, your payment history with Affirm may be reported to credit bureaus and could impact your credit score.
  • Wide range of brands: Affirm has partnered with countless retailers and brands, enabling you to use their financing options at various online stores.
  • Affirm Card™: Selected customers can take Affirm everywhere with the Affirm Card™, providing more flexibility and convenience while shopping.

By using the Affirm app, you can make the most of its buy now, pay later financing options and maintain better control over your purchases and payments. Dive into a world of responsible shopping, without compromising on the things you love.

What are the Benefits of Using Affirm: Buy Now, Pay Over Time App?

When using the Affirm app, you can enjoy several advantages that make your shopping and budgeting experience more convenient and flexible. Here are some benefits of using Affirm:

  • Flexible repayment options: Affirm allows you to pay for your purchases in bi-weekly or monthly installments, which may appeal to those who wish to spread their payments over time.
  • No hidden fees or late fees: Affirm states upfront the total cost of your purchase and the payment schedule, so you know exactly what to expect and won’t be caught off guard by hidden charges or late fees.
  • Interest rates: Some Affirm loans offer 0% interest rates, making it an attractive option compared to high-interest credit cards. Keep in mind that interest rates can still range up to 30%.
  • Accessible for those with bad credit: While Affirm does perform a soft credit check, it may be more accommodating than traditional lenders in approving loans for those with less-than-perfect credit.
  • Budgeting assistance: Since payments are spread over time, Affirm can help you with budgeting and manage your expenses more effectively.
  • Useful for students: Affirm can be particularly beneficial for students looking to make significant purchases, like electronics or furniture, while managing their limited budgets.
  • Wide range of online shopping options: You can use Affirm for purchases in various online stores, which allows you to access numerous shopping categories, such as electronics, home & furniture, fitness gear, and more.
  • Less impact on credit bureaus: Affirm’s credit checks do not impact your credit score, and the company typically does not report payments to credit bureaus. However, it’s essential to make your payments on time to avoid potential negative consequences.
  • Virtual card option: Affirm issues you a virtual card, which can be used nearly anywhere, providing even more flexibility and convenience.

In conclusion, the Affirm app offers a convenient way to buy what you need now and pay over time, making it a helpful tool for budgeting, accommodating various financial situations and preferences.

Affirm: Buy Now, Pay Over Time App Review

Affirm is an app that lets you shop at top brands, like GameStop, Sephora, Nike, Adidas, Walmart, Expedia, Samsung, and Purple, with the convenience of spreading your payments over time. This Buy Now, Pay Later (BNPL) app has a simple process for setting up flexible payment plans, and unlike some other BNPL apps, it does not require a credit check.

Here’s what you can expect when using the Affirm app:

  • Wide Range of Brands: With Affirm, you can shop at a divers list of brands, such as GameStop, Sephora, Nike, Adidas, Walmart, Expedia, Samsung, and Purple. This makes it a versatile shopping companion.
  • Competitive Deals: Enjoy various deals from partner brands, such as up to 25% off on floor care at Target, flight and hotel packages under $499 per person at Expedia, or up to $1,200 off on select Samsung refrigerators.
  • Quick and Easy Payment Options: Affirm offers a streamlined payment process with no late fees or surprises. You’ll know exactly what your payments will be when you check out.
  • Pay Over Time: Affirm allows you to choose the payment plan that works best for you. Some plans come with no interest, and Affirm does not charge any fees for any of the loans.
  • No Credit Check or Minimum Payments: Unlike some other BNPL apps, Affirm does not require a credit check, and there is no minimum payment for using the service.

Keep in mind the following considerations while using Affirm:

  • It might make it easier for you to overspend due to the easy access to credit.
  • Though some loans include credit reporting, it may not always help build your credit score.

In conclusion, Affirm is a user-friendly BNPL app that allows you to shop at your favorite brands and pay over time. It offers competitive deals and flexible payment options, making it a popular choice among consumers. Remember to shop responsibly and consider your financial situation when using any BNPL service.

Apps Comparable to Affirm: Buy Now, Pay Over Time App

Similar apps to Affirm include:

  • Afterpay
  • Klarna
  • Bread
  • Sezzle
  • QuadPay
  • Splitit
  • PayBright
  • Laybuy
  • Clearpay