Affirm is a flexible payment solution that allows users to make purchases online, in-store, and within the app while spreading payments over time. The platform offers eligible customers the Affirm Card, which can be used anywhere Visa is accepted in the U.S., providing a seamless shopping experience with no card or annual fees.

Key features include clear payment options at partnered brands, 0% APR deals, and customizable payment plans up to 12 months. Users can manage their finances easily through AutoPay, early payments, or one-time adjustments. With transparent purchasing power estimates and access to exclusive deals, Affirm ensures a user-friendly financial tool for smarter spending.

Ideal for shoppers seeking flexibility, Affirm's app simplifies budgeting by offering upfront cost breakdowns and enabling users to request payment plans before or after checkout. Whether using the virtual card online or the physical card in-store, Affirm provides a reliable way to shop without hidden fees or credit impact during application.

Affirm stands out with its innovative approach to consumer financing, offering both an app-based payment system and the Affirm Card. The app displays purchasing power prominently, helping users understand their spending limits. It also highlights top brands that offer flexible payment terms, including interest-free options and extended payment plans, ensuring transparency in every transaction.

One of the standout functionalities is the ability to set up AutoPay, request payment plans post-purchase, and explore deals tailored to individual preferences. Eligible users can apply for the Affirm Card, which works as a Visa debit card, usable anywhere Visa is accepted. This feature eliminates the need for multiple store-specific cards and consolidates payment options into one convenient solution.

The app further enhances user control by allowing easy management of payment schedules, early payment options, and linking bank accounts securely. With rates ranging from 0-36% APR, Affirm provides competitive loan options depending on purchase amounts and eligibility. This combination of flexibility, transparency, and accessibility makes Affirm a powerful tool for modern shoppers.

Affirm offers a diverse range of products and services, allowing users to make purchases from various brands with clear and flexible payment options. The app provides access to deals, 0% APR options, and extended payment plans over 12 months, ensuring that customers can find the right financial solution for their needs.

Through Affirm, users can shop at top brands both in-store and online, enjoying the benefits of transparent pricing and adaptable payment schedules. This flexibility extends to the Affirm Card, which can be used anywhere Visa is accepted in the U.S., providing even more versatility in how payments are managed.

The app's interface is designed to help users easily navigate through different product categories, simplifying the process of finding specific items or exploring new opportunities. With features like AutoPay setup and the ability to request payment plans before or after checkout, Affirm ensures a seamless shopping experience tailored to individual preferences.

One of Affirm's standout features is its commitment to pricing transparency and competitive rates, which range from 0 to 36% APR. This openness allows users to understand exactly what they're paying, whether it's splitting an $800 purchase into 12 monthly payments of $77.99 at 30% APR or opting for four interest-free payments of $200 every two weeks.

Affirm provides detailed information about loan options, eligibility checks, and terms directly within the app, empowering users to make informed decisions. By clearly outlining minimum purchase amounts, potential down payments, and availability across different states, Affirm maintains a high level of transparency throughout the entire purchasing process.

Additionally, the absence of hidden fees and the provision of FDIC insurance coverage for the Affirm Card further enhance the app's competitive edge. Users can trust that they are receiving fair and honest financial services, making Affirm a reliable choice for managing purchases over time.