Affirm
Pay-over-time service with interest-free pay-in-4 plans and longer monthly loans, plus the Affirm Card.
Updated · AppBreakup editorial · Web, iOS, Android, Browser extension
Is Affirm free?
Yes, free to use
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About Affirm
Affirm is a US-based buy now, pay later company that offers two main kinds of plans at checkout: four interest-free payments every two weeks for smaller purchases, and monthly plans of three, six, twelve months or longer for bigger ones. Monthly plans may carry interest depending on credit, but the total cost is shown before you commit, and Affirm's selling point is that it charges no late fees or hidden fees of its own. Checking what you qualify for uses a soft credit check. Beyond retailer checkouts, Affirm works through Apple Pay and Google Pay, a Chrome extension, and the Affirm Card, a debit card that lets you pay in full or move a purchase onto a plan. It also offers a savings account. Affirm operates mainly in the US, with versions for Canada, the UK and a few other countries; signing up is free, and it runs on the web and in Android and iOS apps.
Best for: US shoppers financing larger purchases who want fixed monthly payments and no late fees.
Affirm pricing (checked Nov 8, 2026)
Each line is quoted from Affirm's own site, with the page it came from.
| Plan or term | What it says | Checked | Source |
|---|---|---|---|
| Monthly plans | 3, 6, 12 months and longer | Nov 8, 2026 | affirm.com |
Pros and cons
What works
- No late fees or hidden fees from Affirm
- Monthly plans for big purchases, not just pay in 4
- Total interest is shown before you accept a plan
- Works through Apple Pay, Google Pay and its own debit card
Why people leave
- Monthly plans can carry APRs up to 36% depending on credit
- Plan options vary by merchant and purchase size
- A down payment may be required on some purchases
Affirm vs Klarna, Afterpay and Zilch
From each app's listing and the prices verified on its own site. A dash means we haven't verified it yet.
Top Affirm alternatives
See all 4- 1
Klarna68.8Similar mix of pay in 4 and monthly financing, accepted at a wider range of stores worldwide.
- 2
Afterpay64.8Simpler pay-in-4 option for smaller purchases, with a digital card for in-store use.
- 3
Zilch61.8UK pay-later option with interest-free instalments and a card that works at most shops, not just partner merchants.
- 4
PayPal51.2Pay in 4 and Pay Monthly sit inside the PayPal checkout many shops already offer, with no separate app to set up.
Why people left Affirm
In reviewers' own words, from reviews of the apps they moved to. These are their opinions, not ours.
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Affirm: common questions
What is Affirm?
Affirm: Pay-over-time service with interest-free pay-in-4 plans and longer monthly loans, plus the Affirm Card. Best for US shoppers financing larger purchases who want fixed monthly payments and no late fees. Available for Web, iOS, Android and Browser extension.
Is Affirm free?
Yes, Affirm is free to use.
How much does Affirm cost?
Affirm is free to use. Monthly plans: 3, 6, 12 months and longer. Checked on Affirm's own site, November 2026.
Is Affirm open source?
No, Affirm is not open source.
What platforms does Affirm run on?
Affirm is available for Web, iOS, Android and Browser extension.
What are the best alternatives to Affirm?
The highest-ranked Affirm alternatives right now are Klarna, Afterpay and Zilch. See the full ranked list for pricing, platforms and verified facts.
Affirm vs Klarna: what's the difference?
Both Affirm and Klarna are free to use. Only Affirm runs on Browser extension.