Affirm: Buy now, pay over time Apple

Affirm: Buy now, pay over time

Flexible payments, big savings

Features & Capabilities

Affirm lets you pay over time with options online, in-store, and in-app. The app highlights your purchasing power, offers flexible payment plans (including 0% APR options) over 12 months, and supports AutoPay plus early or one-time payments. You can request to pay over time with the Affirm Card online or in-store, and use the card anywhere Visa is accepted in the U.S., including Apple Pay for eligible purchases.

Note: The Affirm Card is a Visa debit card issued by partner banks. Approvals and available plans depend on eligibility checks, state, and merchant. Minimum purchases and down payments may apply, and purchasing power is an estimate.

User Growth & Download Statistics

Contact the developer

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Developed by:
Affirm, Inc.
Apple Apps Store
https://apps.apple.com/us/app/affirm-buy-now-pay-over-time/id967040652
Website:
http://www.affirm.com

User Reviews

Affirm is praised for flexible BNPL options and broad retailer support, with easy payment management and help during emergencies. However, multiple reviews report reliability problems after updates (login/breakage), confusing UI changes, mixed customer support experiences, and strict enforcement if a payment is missed. Overall, the core BNPL benefits are valued, but technical reliability and support responsiveness are recurring concerns.
Pros
  • Flexible pay-over-time options (BNPL) across many major retailers (enables purchases when funds are tight).
  • Broad retailer support (major stores like Amazon, eBay, Walmart, Expedia) for buying now and paying later.
  • Convenient and straightforward payment management; perceived usefulness for emergencies.
  • Generally helpful or cordial customer service in many cases.
Cons
  • Frequent app instability and login issues after updates (broken app, unable to log in).
  • Poor UI/UX changes making the app harder to use (unclear due dates, less intuitive navigation).
  • Inconsistent or hard-to-reach customer support, especially for issue resolution or returns.
  • Aggressive enforcement of payments (missed payments can trigger blocks or penalties at checkout).
Recent reviews
I started a purchase within a promotion timeframe and had the countdown of 24 hrs to complete the purchase, aka I already signed the contract for the promotion rate and I needed $17 more and was given the option to edit the amount or cancel. I thought it might be like a new app (which obviously it was) but since I had the timer, I figured the promotion would still be available, otherwise why provide the countdown for 24 hrs? If the promotion wouldn’t apply, then the countdown should have been until MIDNIGHT of the end date or a warning should have been given before allowing to edit that any promotions won’t apply. Oh, I was also told that it would apply if it was a lesser amount but would not because it was more.. even though it was out of the timeframe..? RIDICULOUS. I will no longer use this app.
by Be*****, 2026-05-16

I have really enjoyed shopping with my Affirm card online and I store. I have called customer service on several occasions and have experience great friendly service. Fast and efficient.
by CF*****, 2026-05-16

this company is literally my lifeline helps me with my trips every year
by Sh*****, 2026-05-16
View all user reviews ›

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