Affirm

Affirm is a financial technology app designed to provide consumers with flexible payment options for purchases. It allows users to spread the cost of a purchase over several months, offering transparency and control over their financial commitments. With Affirm, users can select from various repayment plans, including options for 3, 6, or 12 monthly payments, depending on the purchase amount and their credit eligibility.

One of the key benefits of using Affirm is its transparent pricing model, which ensures that users know exactly how much they will pay and when they will complete their payments. The app does not charge late fees or penalties, making it a reliable choice for managing purchases. Affirm is accepted by over 102,000 retailers nationwide, offering both online and in-person payment options.

Affirm's payment plans can be interest-free for certain options, such as the four-installment plan, while longer repayment periods may incur interest based on the user's credit profile. The app provides real-time approval decisions and allows users to manage their payments through the Affirm website or mobile app, receiving reminders via email and text. Overall, Affirm offers a straightforward and flexible way to finance purchases, helping users budget and manage their expenses effectively.