Affirm

What Affirm is

Affirm lets customers pay for purchases on merchant sites using buy now, pay later financing. Its Pay in 4 option splits eligible orders of $50–$249.99 into four interest-free payments every two weeks. Monthly installments cover orders up to $25,000, with the plan listing terms of 3–60 months; repayment terms overall are also described as ranging from six weeks to 36 months. Affirm states that APRs range from 0–36% depending on credit, while Pay in 4 is 0% APR, and says consumers are not charged late or hidden fees. Each transaction is underwritten individually using information that includes transaction history and credit usage alongside traditional credit scores. Consumers can use an app, a Chrome extension, and Apple Pay or Google Pay. Merchant options include a Direct API, Android and iOS SDKs, and integrations with commerce and payment platforms. Affirm lists consumer access in the United States, Canada, and the United Kingdom.

Who it suits

Affirm suits shoppers who want installment options at participating merchant checkout and merchants seeking payment integrations. It also offers API and mobile SDK options for merchant integrations.

Limits

Pay in 4 applies to orders from $50 to $249.99 and has four interest-free payments every two weeks. Installments lists orders up to $25,000 with terms of 3–60 months; Adaptive Checkout monthly installments are listed for up to 36 months.

Getting started

1. Visit https://www.affirm.com/.
2. For consumer use, access Affirm through its Android or iOS app, Chrome extension, Apple Pay or Google Pay.
3. At a participating merchant checkout, choose an available Affirm payment option.
4. Merchants can start with the sandbox at sandbox.affirm.com.
5. Use the live API environment at api.affirm.com when ready to connect.

Verdict

Affirm offers both short-term split payments and monthly installment options, with consumer apps and merchant integration paths. Review the stated APR range, order limits, and repayment terms before choosing a plan.