---
title: "Affirm: Buy now, pay over time — App Overview"
url: https://marlvel.ai/intel-report/shopping/com-affirm-recharge
category: Shopping
developer: Affirm, Inc.
platforms: ios, android
rating: 4.9 (1.7M ratings)
pricing: free
report_level: overview
generated: 2026-04-16
---

<!-- SECTION: Key Insight -->
> **Key Insight:** The app functions as a comprehensive platform for managing point-of-sale financing and installment-based retail payments.

<!-- SECTION: Quick Facts -->
| Metric | Value |
|--------|-------|
| Category | Shopping |
| Rating | 4.9 ★ (1.7M) |
| Pricing | free |
| Platforms | iOS, Android |
| Latest Version (iOS) | 4.54.0 |
| Latest Version (Android) | 4.54.0 |
| Developer | Affirm, Inc. |

<!-- SECTION: Summary -->
## What is Affirm: Buy now, pay over time?

Affirm is a shopping and finance application that enables users to pay for purchases over time through flexible installment plans. The app provides a centralized dashboard to manage purchasing power, track payments, and utilize the Affirm Card for transactions where Visa is accepted. It is notable for integrating 0% APR options and payment plan requests directly into the shopping experience.

<!-- SECTION: Key Features -->
## Key Features

- **Affirm Card**: A physical card that allows users to pay over time anywhere Visa is accepted in the U.S. with no annual fees.
- **Purchasing Power Dashboard**: Provides users with an estimate of their available credit to help plan and manage retail spending.
- **Flexible Payment Plans**: Offers various installment options, including 0% APR plans and terms extending over 12 months at participating brands.
- **Payment Management**: Includes tools to set up AutoPay and process early or one-time payments directly within the app.

<!-- SECTION: Target Audience -->
## Who is it for?

Consumers seeking flexible, installment-based financing options for online and in-store retail purchases.

<!-- SECTION: Links -->
## Links

- [App Store](https://apps.apple.com/us/app/affirm-buy-now-pay-over-time/id967040652?uo=2)
- [Google Play](https://play.google.com/store/apps/details?id=com.affirm.central&hl=en&gl=us)
- [Full Intelligence Report](https://marlvel.ai/intel-report/shopping/com-affirm-recharge)

---
*This is an overview report. Sentiment analysis, competitive landscape, and SWOT analysis are available in the [full intelligence report](https://marlvel.ai/intel-report/shopping/com-affirm-recharge).*
*Generated by [Marlvel.ai](https://marlvel.ai) — Independent app intelligence.*