The Finance Base / Buy now, pay later apps / Affirm
affirm.com
Affirm
Affirm is a buy now, pay later service used at merchant checkout. Consumers can choose Pay in 4, which divides eligible $50–$249.99 orders into four interest-free payments every two weeks, or monthly installments. The Installments option covers terms from 3 to 60 months for orders up to $25,000,…
Visit affirm.com ↗ What it costs
- 7.9 No. 17on Buy now, pay later apps
- Free plan · Pricing on requestprice, as published
- Oct 1, 2026read on
What Affirm costs
- Adaptive Checkout™ Not published
- Installments Not published
- Pay in 4 Not published
As docs.affirm.com publishes them, read Oct 1, 2026. Fees, tax and exchange rates can differ when you pay; check the provider's own page first.
Its statement
- Free plan
- Yes
- Free trial
- Not stated
- Runs on
- iPhone Android Web
- Facts on record
- 14
Strengths and limits
Strengths
- Pay in 4 uses four interest-free payments
- No consumer late or hidden fees
- Supports Android, iOS, web, API, and extension
- Offers merchant APIs, SDKs, and commerce integrations
- Individual transaction underwriting uses multiple data points
Limits
- APR can reach 36% based on credit
- Pay in 4 applies to $50–$249.99 orders
- Installments terms and maximums vary by offer
Facts we read
- API environmentsAffirm provides separate sandbox and live API environments at sandbox.affirm.com and api.affirm.com. · docs.affirm.com, Oct 1, 2026
- APRAffirm states that rates are 0–36% APR based on credit and that Pay in 4 is 0% APR. · affirm.com, Oct 1, 2026
- Consumer accessAffirm offers a mobile app, a Google Chrome browser extension, and Apple Pay and Google Pay wallet support. · affirm.com, Oct 1, 2026
- Direct APIThe Direct API uses the Affirm.js SDK and supports Capture, Void, and Refund API calls. · docs.affirm.com, Oct 1, 2026
- FeesAffirm says it never charges consumers late or hidden fees. · investors.affirm.com, Oct 1, 2026
- Founded2012 · affirm.com, Sep 23, 2026
- HeadquartersSan Francisco, California, United States · affirm.com, Sep 23, 2026
- IntegrationsAffirm 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, Oct 1, 2026
- Merchant audienceAffirm says more than 337,000 merchants use its flexible payment options. · affirm.com, Oct 1, 2026
- Mobile integrationAffirm provides mobile SDKs for Android and iOS with prebuilt UI components. · docs.affirm.com, Oct 1, 2026
- Product typeAffirm is a buy now, pay later service that lets customers use financing to complete purchases on merchant sites. · docs.affirm.com, Oct 1, 2026
- SecurityAffirm 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, Oct 1, 2026
- SupportAffirm provides a consumer Help Center and a business support center. · affirm.com, Oct 1, 2026
- UnderwritingAffirm underwrites every individual transaction using data beyond traditional credit scores, including transaction history and credit usage. · investors.affirm.com, Oct 1, 2026
On these lists
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Verdict
Affirm offers several repayment structures for merchant purchases, including 0% Pay in 4 and longer monthly terms. Its broad merchant integrations and consumer app access support both checkout implementation and customer use.
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