Affirm
UnclaimedPay over time with flexible payment plans and no fees, for consumers and businesses.
Visit WebsiteWhat is Affirm?
Affirm (financial planning): Pay over time with flexible payment plans and no fees, for consumers and businesses. Affirm provides a buy now, pay later (BNPL) service that allows consumers to split purchases into smaller, manageable payments, often with 0% APR options. It offers various payment plans, including interest-free installments (Pay in 4) and longer monthly plans, with transparency on any interest upfront. Affirm is paid-only, with most plans including a trial period. Buyers most often compare Affirm against Square, Recharge, Lemon Squeezy.
TL;DR - Affirm
- Offers flexible buy now, pay later options for consumers.
- Provides transparent payment plans with no hidden fees.
- Helps businesses increase sales and customer conversion.
Pricing: Paid only
Best for: Enterprises & pros
4.4/5 across review platforms
Pros & Cons
Pros
- No hidden fees for consumers
- Transparent interest rates shown upfront
- Flexible payment options to fit various budgets
- Can be used at a wide range of merchants
- Helps businesses boost sales and customer loyalty
Cons
- Interest rates can be up to 36% APR for some plans
- Eligibility check required, which may not approve all users
- Not available in all states or U.S. territories
Ratings Across the Web
4.4(88 reviews)
Ratings aggregated from independent review platforms. Learn more
Preview
Key Features
Pay in 4 interest-free installmentsMonthly payment plans (3, 6, 12 months and longer)Affirm Card for online and in-store purchasesIntegration with Apple PayGoogle Chrome extension for online shoppingAdaptive Checkout™ for businessesPrequalification for consumers without affecting credit scorePersonalized offers and 0% APR specials
Pricing
Paid
Affirm offers paid plans. Visit their website for current pricing details.
About Affirm
By Toolradar Team·
Affirm provides a buy now, pay later (BNPL) service that allows consumers to split purchases into smaller, manageable payments, often with 0% APR options. It offers various payment plans, including interest-free installments (Pay in 4) and longer monthly plans, with transparency on any interest upfront. Consumers can use Affirm at checkout online, in-app, with the Affirm Card for in-store and online purchases, or via Apple Pay and a Chrome extension.
For businesses, Affirm offers solutions to increase average order value, repeat purchase rates, and customer acquisition. Its Adaptive Checkout™ technology personalizes payment options to boost conversion and reach new customers across e-commerce and in-store channels. Affirm aims to provide flexible financing solutions that benefit both shoppers by making purchases more affordable and businesses by driving sales and customer loyalty.
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Affirm FAQ
What is Affirm?
Affirm is a financial technology company that provides buy now, pay later (BNPL) services. It allows consumers to make purchases and pay for them over time through flexible installment plans, often with 0% APR options. It also offers solutions for businesses to integrate these payment options for their customers.
How much does Affirm cost?
For consumers, Affirm states there are no fees. Any interest is shown upfront, and rates can range from 0% to 36% APR based on credit and eligibility. The 'Pay in 4' option is 0% APR. For businesses, specific pricing is not disclosed on the public pages, but it's implied there's a cost for using their solutions to drive sales.
Is Affirm free?
Affirm is not free. While some payment options, like 'Pay in 4', offer 0% APR, other longer-term plans may include interest, which can go up to 36% APR. There are no hidden fees, but it is a paid service in the sense that interest may apply, making it a 'paid' product rather than 'free' or 'freemium' for the consumer's use of credit.
Who is Affirm for?
Affirm is for consumers who want flexible payment options to buy products and services over time, either interest-free or with transparent interest rates. It's also for businesses of all sizes, from e-commerce to in-store, looking to increase sales, average order value, and customer conversion by offering a 'buy now, pay later' solution to their customers.
Source: affirm.com