Affirm
Affirm provides a buy now, pay later (BNPL) service that allows consumers to split purchases into smaller, manageable payments, often with 0% APR options.
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Our verdict
Who it's for
Pay over time with flexible payment plans and no fees, for consumers and businesses.
Who should look elsewhere
Interest rates can be up to 36% APR for some plans
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
Key features
- ✓Pay in 4 interest-free installments
- ✓Monthly payment plans (3, 6, 12 months and longer)
- ✓Affirm Card for online and in-store purchases
- ✓Integration with Apple Pay
- ✓Google Chrome extension for online shopping
- ✓Adaptive Checkout™ for businesses
- ✓Prequalification for consumers without affecting credit score
- ✓Personalized offers and 0% APR specials
Pricing
No public pricing plans recorded.