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 is for
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.
What is good
- Pay in 4 has 0% APR.
- Affirm says it charges no late or hidden fees.
- Consumer access includes Android, iOS, web, and Chrome extension.
- Direct API supports Capture, Void, and Refund calls.
- Separate sandbox and live API environments are available.
What to know first
- Rates can reach 36% APR based on credit.
- Pricing is available on request.
- Consumer access is listed for three countries.
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.
Get started with Affirm
- Visit https://www.affirm.com/.
- For consumer use, access Affirm through its Android or iOS app, Chrome extension, Apple Pay or Google Pay.
- At a participating merchant checkout, choose an available Affirm payment option.
- Merchants can start with the sandbox at sandbox.affirm.com.
- Use the live API environment at api.affirm.com when ready to connect.
Limits to know first
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.
Questions about Affirm
How much does Affirm cost?
Pricing is on request. Affirm states that rates range from 0–36% APR based on credit and that Pay in 4 is 0% APR.
Does Affirm charge late or hidden fees?
Affirm says it never charges consumers late or hidden fees.
What are the Pay in 4 terms?
Pay in 4 is four interest-free payments every two weeks on orders from $50 to $249.99 at 0% APR.
What platforms can consumers use?
Affirm lists Android, iOS, web and a browser extension. It also offers a Google Chrome extension and Apple Pay and Google Pay wallet support.
Which merchant integrations are available?
Listed integrations include Shopify, Wix, BigCommerce, Adobe Commerce, Salesforce Commerce Cloud, SAP Commerce, WooCommerce, Stripe, Adyen and Worldpay, among others.
Where can consumers access Affirm?
Consumer access is listed for the United States, Canada and United Kingdom.
Affirm plans and pricing
All plansCompared on buy now, pay later platforms
- Free plan
- Yes
- Checkout channels
- omnichannel
- Repayment terms
- 4 interest-free payments every 2 weeks; installments from 6 weeks to 36 months; monthly or biweekly payments
- Merchant platforms
- Adobe Commerce, BigCommerce, Salesforce Commerce Cloud, SAP Commerce, Shopify, Wix, WooCommerce, Acadaca, Lightspeed Ecommerce, Miva, OpenCart, Oracle Commerce, Shift4Shop, VTEX, Volusion
- Consumer regions
- United States, Canada, United Kingdom
- Merchant dashboard
- Yes
