Affirm: Buy now, pay over time

4.8
526K reviews
10M+
Downloads
Content rating
Everyone
Screenshot image
Screenshot image
Screenshot image

About this app

Get a flexible payment plan for any purchase when you pay with Affirm at participating stores. Shop with confidence, knowing exactly what you'll pay from the start. Affirm doesn’t charge late fees, penalties, or hidden costs of any kind.

Manage your account and make payments using the Affirm app. You’ll also receive email and text reminders to keep you informed about upcoming payments. And with our AutoPay feature, you’ll make automatic payments, so you won’t miss any.

Shopping with Affirm is simple and straightforward.

• Fill your basket and choose Affirm at checkout. • We'll check your eligibility (this only takes a moment and won't affect your credit rating). • Choose the payment plan that works best for your budget. We'll never charge more than what you see up front. • Complete your purchase online and pay over time.

Get the things you need and choose a payment plan that fits your budget. Enjoy pay-over-time flexibility with Affirm.

Affirm is a form of credit. Credit is subject to a credit check and minimum spend, which may vary from time to time. UK residents only, 18 and over with a bank account or a debit card. Terms apply. Missed payments could affect your financial status. Representative example: A £900 purchase might cost £83.90/mo over 12 months at 22% Representative APR. A deposit may be required. Affirm UK Limited, 1 Angel Court, 13th Floor, London, EC2R 7HJ is the Lender.

Visit uk.affirm.com/help for more information.

© Affirm U.K. Limited, All Rights Reserved.
Updated on
12 Nov 2025

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Location and App info and performance
This app may collect these data types
Personal info, Financial info and 3 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.8
511K reviews
Kasey Crabtree
3 November 2025
Great option to pay over time at MANY retailers & other locations. Caution - interest rates can vary from high to VERY high (33%+) if you don't have the best credit. However, you CAN pay off early, & save a good amount of interest. Easy to review how. My only concern is whatever Affirm's arrangement is with ShopPay, there seems to be a HUGE disconnect. I am pre-approved for $5K+ on Affirm (not currently being used) yet ShopPay keeps saying they can't validate me with the same info?!?
83 people found this review helpful
Did you find this helpful?
12-Strand LS
30 August 2025
It is nice to have an option to pay over time if you didn't expect to make a purchase any given moment. Affirm has been very helpful in this way. Use of there phone app makes it very convenient to see your offered lending availability, details of a purchase, when payments are due etc.... You can shop within the app or online at any merchants site and take a look if merchant provides Affirm as an option. Only negative would be high interest rate but it seems every bank/lender has high rates.
57 people found this review helpful
Did you find this helpful?
E M
24 September 2025
it's weird how I get a $700 credit, use it, then pay it off and then try and get another credit only to be told I don't qualify because not enough time with credit history. I had less of a credit history when they approved me the first time. I've realized One Pay and After Pay will give you another credit as long as you pay off each credit you get!! It Seems like Affirm doesn't look at your payments made with them or that you pay it off but at the spread sheets with the #'s to make theidecisions
67 people found this review helpful
Did you find this helpful?
Affirm, Inc
24 September 2025
Hi there. Because we negotiate these loan eligibility criteria and interest rates with each merchant individually, you may see that your loan options may vary between different merchants. We apologize for any confusion here. -JS, Customer Care

What's new

Miscellaneous fixes and improvements