Affirm
Affirm is a buy now, pay later service that lets customers finance purchases at merchant checkout.
What Affirm is
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.
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.
Watch out
- APR may reach 36%, based on credit.
- Pricing is on request.
- Installment plans can extend to 36 months.
Who it suits
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.
Verdict
Affirm combines consumer installment options with integrations and APIs for merchants. Review the stated APR range and repayment terms before choosing a plan.
Plans and prices
From Affirm's own pricing page, checked 1 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Adaptive Checkout™ | — | monthly installments up to 36 months · four interest-free payments every two weeks or monthly installments |
| Installments | — | 3–60 months · orders up to $25,000 · monthly installments |
| Pay in 4 | — | orders $50–$249.99 · 0% APR · four interest-free payments every two weeks |
The facts
Each one read from Affirm's own pages, with the date it was checked.
What it does
- API environments
- Affirm provides separate sandbox and live API environments at sandbox.affirm.com and api.affirm.com.checked 1 Oct 2026
- APR
- Affirm states that rates are 0–36% APR based on credit and that Pay in 4 is 0% APR.checked 1 Oct 2026
- Consumer access
- Affirm offers a mobile app, a Google Chrome browser extension, and Apple Pay and Google Pay wallet support.checked 1 Oct 2026
- Direct API
- The Direct API uses the Affirm.js SDK and supports Capture, Void, and Refund API calls.checked 1 Oct 2026
- Fees
- Affirm says it never charges consumers late or hidden fees.checked 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.checked 1 Oct 2026
- Merchant audience
- Affirm says more than 337,000 merchants use its flexible payment options.checked 1 Oct 2026
- Mobile integration
- Affirm provides mobile SDKs for Android and iOS with prebuilt UI components.checked 1 Oct 2026
- Product type
- Affirm is a buy now, pay later service that lets customers use financing to complete purchases on merchant sites.checked 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.checked 1 Oct 2026
- Support
- Affirm provides a consumer Help Center and a business support center.checked 1 Oct 2026
- Underwriting
- Affirm underwrites every individual transaction using data beyond traditional credit scores, including transaction history and credit usage.checked 1 Oct 2026
The company
- Founded
- 2012checked 23 Sep 2026
- Headquarters
- San Francisco, California, United Stateschecked 23 Sep 2026
