Affirm

C tier on Buy Now, Pay Later PlatformsScore 6.5 · #7 of 26

Android app: Yes
Free plan: No
Runs on: Android, api, Browser extension, iOS, Web

affirm.com

Summary

Affirm is a buy now, pay later service that lets customers finance purchases at merchant checkout. Consumers can choose Pay in 4, with four interest-free payments every two weeks on orders of $50–$249.99, or monthly installments. The listed Installments plan covers terms of 3–60 months for orders up to $25,000; repayment terms overall range from six weeks to 36 months. Affirm states that APRs range from 0–36% based on credit and that Pay in 4 is 0% APR. It says it does not charge consumers late or hidden fees. Each transaction is underwritten individually using factors that include transaction history and credit usage as well as traditional credit scores. Consumers can access Affirm through Android and iOS apps, a Chrome extension, and Apple Pay and Google Pay. Merchants can use the Direct API, Android and iOS SDKs, or listed commerce and payment integrations. Affirm provides separate sandbox and live API environments, plus a merchant dashboard and business support center.

Who it is for

Affirm suits consumers in the United States, Canada, and United Kingdom who want installment options at participating merchants. Merchants looking to add those payment options can use its API, mobile SDKs, and listed platform integrations.

What is good

Pay in 4 carries 0% APR.
No consumer late or hidden fees, Affirm says.
Android and iOS apps and browser extension.
Direct API supports capture, void, and refund calls.
Separate sandbox and live API environments.

What to know first

APR may reach 36%, based on credit.
Pricing is on request.
Installment plans can extend to 36 months.

Verdict

Affirm combines consumer installment options with integrations and APIs for merchants. Review the stated APR range and repayment terms before choosing a plan.

Affirm plans and pricing

All plans

Pay in 4 Not published four interest-free payments every two weeks orders $50–$249.99 · 0% APR docs.affirm.com · 1 Oct 2026

Installments Not published monthly installments 3–60 months · orders up to $25,000 docs.affirm.com · 1 Oct 2026

Adaptive Checkout™ Not published four interest-free payments every two weeks or monthly installments monthly installments up to 36 months docs.affirm.com · 1 Oct 2026

Compared on buy now, pay later platforms

Free plan: Yesaffirm.com
Checkout channels: omnichannelaffirm.com
Repayment terms: 4 interest-free payments every 2 weeks; installments from 6 weeks to 36 months; monthly or biweekly paymentsaffirm.com
Merchant platforms: Adobe Commerce, BigCommerce, Salesforce Commerce Cloud, SAP Commerce, Shopify, Wix, WooCommerce, Acadaca, Lightspeed Ecommerce, Miva, OpenCart, Oracle Commerce, Shift4Shop, VTEX, Volusionaffirm.com
Consumer regions: United States, Canada, United Kingdomaffirm.com
Merchant dashboard: Yesaffirm.com

Facts

Product type: Affirm is a buy now, pay later service that lets customers use financing to complete purchases on merchant sites.docs.affirm.com · 1 Oct 2026
Fees: Affirm says it never charges consumers late or hidden fees.investors.affirm.com · 1 Oct 2026
APR: Affirm states that rates are 0–36% APR based on credit and that Pay in 4 is 0% APR.affirm.com · 1 Oct 2026
Underwriting: Affirm underwrites every individual transaction using data beyond traditional credit scores, including transaction history and credit usage.investors.affirm.com · 1 Oct 2026
Direct API: The Direct API uses the Affirm.js SDK and supports Capture, Void, and Refund API calls.docs.affirm.com · 1 Oct 2026
Mobile integration: Affirm provides mobile SDKs for Android and iOS with prebuilt UI components.docs.affirm.com · 1 Oct 2026
Integrations: Affirm lists integrations with Shopify, Wix, BigCommerce, Adobe Commerce, Salesforce Commerce Cloud, SAP Commerce, WooCommerce, Stripe, Adyen, Worldpay, and other platforms and payment service providers.docs.affirm.com · 1 Oct 2026
API environments: Affirm provides separate sandbox and live API environments at sandbox.affirm.com and api.affirm.com.docs.affirm.com · 1 Oct 2026
Security: Affirm says it uses industry-standard encryption in transit and at rest, is a PCI DSS Level 1 Service Provider, and maintains SOC 1 and SOC 2 Type 2 reports.investors.affirm.com · 1 Oct 2026
Support: Affirm provides a consumer Help Center and a business support center.affirm.com · 1 Oct 2026
Merchant audience: Affirm says more than 337,000 merchants use its flexible payment options.affirm.com · 1 Oct 2026
Consumer access: Affirm offers a mobile app, a Google Chrome browser extension, and Apple Pay and Google Pay wallet support.affirm.com · 1 Oct 2026