Affirm's "Buy now, pay over time" app is free to download, allowing users to access its flexible payment options without any initial cost. However, while the app itself doesn't involve any direct fees for downloading, users should be aware of the potential interest charges on purchases, as Affirm offers financing options rather than traditional in-app purchases or subscriptions. It's worth noting that Affirm doesn't charge late fees, yearly fees, or any hidden costs.

Users can shop from their favorite stores, selecting Affirm as their payment method, and decide on manageable repayment plans based on their financial needs. Though there’s no monthly subscription to use the app, users should check the terms of each purchase to understand the interest involved, ensuring transparency and full understanding of their commitment.

iOS Installation: To install the Affirm app on your iOS device, ensure your device runs iOS 12.0 or later. Open the App Store and search for "Affirm." Click the download button, and once installed, open the app. You'll need to grant access to notifications and location services if desired, which can be managed in your device's settings. It’s essential to check your privacy settings to understand what data you are sharing.

Android Installation: For Android users, your device should be on Android version 6.0 or higher. Visit the Google Play Store, search for "Affirm," and click the "Install" button. After installation, open the app, and give permissions for notifications and location if needed. Reviewing app permissions during this process can help ensure a secure user experience.

Step 1: Open the Affirm app and enter your registered email address to begin. Step 2: You’ll receive a verification code via email. Enter this code to authenticate your account.Step 3: Navigate through the home screen, where you'll find participating stores and brands. Tap to explore available financing options.Step 4: Choose an item you'd like to purchase and select Affirm at checkout. You’ll see various payment plans customized for your budget.Step 5: After selecting a plan, review and confirm the terms. Payments will be automatically deducted based on your chosen schedule, and you can track ongoing payments through the app’s dashboard.

Tip 1:Check the interest rates before confirming your payment plan, as rates can vary depending on the store and purchase amount.Tip 2:Utilize the notifications setting to stay updated on payment reminders and avoid missing due dates.Tip 3:Explore the app's exclusive offers section regularly, where you can find special financing deals from partnered merchants, allowing you to make more cost-effective purchases.