Affirm
San Francisco, California, United States
What it is
Affirm is a buy now, pay later service that lets customers finance purchases during merchant checkout. Pay in 4 divides eligible $50–$249.99 orders into four interest-free payments every two weeks at 0% APR. Its Installments option bills monthly over 3–60 months for orders up to $25,000, while listed repayment terms overall span six weeks to 36 months. Affirm states that rates range from 0–36% APR based on credit and says it does not charge consumers late or hidden fees. Each transaction is underwritten individually using traditional credit scores alongside transaction history and credit usage. Consumers can use Android and iOS apps, a web experience, a Chrome extension, Apple Pay, and Google Pay. Merchants can connect through the Direct API, Android and iOS SDKs, or listed commerce platforms and payment providers. Separate sandbox and live API environments support integration work. Affirm lists a merchant dashboard, consumer and business support centers, and access in the United States, Canada, and United Kingdom.
For and against
For
- Pay in 4 uses 0% APR
- No late or hidden consumer fees
- Android and iOS mobile access
- Direct API and mobile SDKs
- Separate sandbox and live environments
Against
- APR can reach 36%
- Pricing is listed as on request
- Approval uses transaction-level underwriting
- Consumer regions are limited to three listed countries
The verdict
Affirm offers Pay in 4 and monthly installment financing alongside APIs, SDKs, commerce integrations, and consumer apps. Terms, APR range, underwriting, and regional availability should be considered before choosing it.
Who it suits
It suits shoppers seeking installment payment options and merchants adding financing to online or omnichannel checkout.
Plans and prices
Adaptive Checkout™
monthly installments up to 36 months
Read 1 Oct 2026 · docs.affirm.com
Installments
3–60 months · orders up to $25,000
Read 1 Oct 2026 · docs.affirm.com
Pay in 4
orders $50–$249.99 · 0% APR
Read 1 Oct 2026 · docs.affirm.com
On the record
- API environments
- Affirm provides separate sandbox and live API environments at sandbox.affirm.com and api.affirm.com.docs.affirm.com · read 1 Oct 2026
- APR
- Affirm states that rates are 0–36% APR based on credit and that Pay in 4 is 0% APR.affirm.com · read 1 Oct 2026
- Consumer access
- Affirm offers a mobile app, a Google Chrome browser extension, and Apple Pay and Google Pay wallet support.affirm.com · read 1 Oct 2026
- Direct API
- The Direct API uses the Affirm.js SDK and supports Capture, Void, and Refund API calls.docs.affirm.com · read 1 Oct 2026
- Fees
- Affirm says it never charges consumers late or hidden fees.investors.affirm.com · read 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.docs.affirm.com · read 1 Oct 2026
- Merchant audience
- Affirm says more than 337,000 merchants use its flexible payment options.affirm.com · read 1 Oct 2026
- Mobile integration
- Affirm provides mobile SDKs for Android and iOS with prebuilt UI components.docs.affirm.com · read 1 Oct 2026
- Product type
- Affirm is a buy now, pay later service that lets customers use financing to complete purchases on merchant sites.docs.affirm.com · read 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.investors.affirm.com · read 1 Oct 2026
- Support
- Affirm provides a consumer Help Center and a business support center.affirm.com · read 1 Oct 2026
- Underwriting
- Affirm underwrites every individual transaction using data beyond traditional credit scores, including transaction history and credit usage.investors.affirm.com · read 1 Oct 2026
