{"app_store_id":967040652,"slug":"affirm-buy-now-pay-over-time-967040652","name":"Affirm: Buy now, pay over time","subtitle":"Flexible payments, big savings","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/a3/ab/e4/a3abe47f-81b2-c085-3104-43055c45100a/AppIcon-0-0-1x_U007ephone-0-1-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/affirm-buy-now-pay-over-time/id967040652?uo=4","price":0,"currency":"USD","rating":4.87154,"rating_count":1867800,"in_app_purchases":false,"recent_rating":4.55,"recent_review_count":20,"reviews_checked_at":"2026-10-20T10:49:11.600Z","primary_genre":"Shopping","version_date":"2026-10-21T19:19:38Z","updated_at":"2026-10-22T08:26:12.707Z","stale":false,"missing_since":null,"one_liner":"Free shopping app for paying over time with Affirm online, in-store, in the app, or with the Affirm Card.","verified_maker":false,"maker_site":null,"file_size_bytes":134000640,"minimum_os":"16.0","content_rating":"17+","language_count":2,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/1b/db/d3/1bdbd3e1-4c21-98d3-1a4a-6ae5bdf65fcf/bafdf0ca-601a-4af2-ae6c-55dc3c7089f6_iOS_5.5in_1242_x_2208__U002816_9_U0029_Screen_1_EN.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/94/f0/95/94f09571-aa17-d793-141b-1e0acb448c22/d565dbcc-804e-4f74-b9e9-da5074a3320e_iOS_5.5in_1242_x_2208__U002816_9_U0029_Screen_1_EN-1.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/64/0b/d7/640bd7d8-2707-00d0-179b-ec5fa989e77f/28069832-3e50-4fa4-b0ff-a6e2dec439b8_iOS_5.5in_1242_x_2208__U002816_9_U0029_Screen_1_EN-2.jpg/392x696bb.jpg"],"developer_name":"Affirm, Inc","editors_choice":false,"url":"https://apptierlist.com/apps/affirm-buy-now-pay-over-time-967040652/","api_url":"https://apptierlist.com/api/v1/apps/affirm-buy-now-pay-over-time-967040652","schema_version":"1.0","generated_at":"2026-10-22T11:55:00.962Z","data_as_of":"2026-10-22T09:35:12.614Z","description":"Pay over time with Affirm online, in-store, and in the app. Plus, eligible customers can get the Affirm Card™ to use anywhere Visa is accepted in the U.S., or pay with Affirm on Apple Pay.\n\nWhy you’ll love the Affirm app:\n• See your purchasing power front and center\n• Shop brands with clear, flexible payment options \n• Discover deals, 0% APR options, and plans over 12 months\n• Set up AutoPay or easily make early or one-time payments\n• Request to pay over time with the Affirm Card online or in-store\n\nTake your Affirm Card everywhere: \n• Get a physical card and use it anywhere Visa is accepted in the U.S. \n• No credit impact to apply, and no card or annual fees\n• Discover 0% APR options or flexible plans at top brands, in-store and online\n• Request a payment plan in the app before or after checkout. Minimum purchase may be required for payment plans. See footer for details.\n\nPurchasing power is an estimate and may include a down payment at checkout. Approval and terms aren’t guaranteed.\n\nThe Affirm Card is a Visa® debit card issued by Evolve Bank & Trust (Evolve) or Stride Bank, N.A. (Stride), Members FDIC, pursuant to licenses from Visa U.S.A. Inc. Affirm is not a bank. FDIC insurance will only cover the failure of Evolve and/or Stride. Learn more at https://www.fdic.gov/resources/deposit-insurance/. Pay-over-time plans must be applied for each purchase in the mobile app, are subject to eligibility checks and are provided by affirm.com/lenders. Minimum purchases are required for pay over time plans; the amount is located in the Card tab of the app. For purchases that are not approved for and matched to a payment plan, you authorize Affirm to initiate an ACH debit from your linked bank account within 1-3 days of the purchase. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license 60DBO-111681. For licenses and disclosures, see affirm.com/licenses.\n\nRates from 0 - 36% APR. For example, an $800 purchase could be split into 12 monthly payments of $77.99 at 30% APR, or 4 interest-free payments of $200 every 2 weeks. Loan options vary, are subject to eligibility, and may depend on whether your loan is applied for before or after your card purchase. There are minimum purchase amounts for loans, a down payment may be required, and may not be available in all states.","facts":{"developer_id":967040651,"developer_url":"http://www.affirm.com","first_released":"2015-08-24T18:58:53Z","support_url":"https://www.affirm.com/contact/","privacy_url":"https://www.affirm.com/privacy/","website_url":"http://www.affirm.com/","app_version":"v4.105.3","release_notes":"• Bug fixes & performance improvements","rating_current_version":4.87154,"rating_count_current_version":1867800,"star_counts":[26397,6292,18756,77338,1730628],"genres":["Shopping","Finance"],"languages":["EN","FR"],"content_advisories":null,"device_families":["iphone"],"chart":{"name":"top-free Shopping","position":21}},"freshness":{"apple_read_at":"2026-10-22T08:26:12.707Z","catalog_read_at":"2026-10-20T10:49:11.600Z","reviews_checked_at":"2026-10-20T10:49:11.600Z","summary_written_at":"2026-10-12T15:39:53.329Z","placed_at":"2026-10-09T03:59:53.925Z","scored_at":"2026-10-22T09:35:12.614Z"},"editorial":{"one_liner":"Free shopping app for paying over time with Affirm online, in-store, in the app, or with the Affirm Card.","what_is":"Affirm is a free shopping app for paying for purchases over time. The listing describes payment plans, 0% APR options, AutoPay, and an Affirm Card, a Visa debit card issued by Evolve Bank & Trust or Stride Bank, N.A. Approval and terms are not guaranteed.","good_for":["Splitting a purchase into scheduled payments at checkout","Comparing 0% APR and longer plan options before buying","Using a physical card where Visa is accepted in the U.S."],"pricing":"Affirm: Buy now, pay over time is free, with no in-app purchases on the App Store.","faq":[{"q":"Does using the app affect my credit?","a":"There is no credit impact to apply for the Affirm Card. Approval and terms are not guaranteed, and purchasing power is an estimate."},{"q":"What fees does the Affirm Card have?","a":"The Affirm Card has no card or annual fees. Rates are stated as 0 to 36% APR, and loan options vary by eligibility."},{"q":"Where can I use Affirm?","a":"You can pay with Affirm online, in-store, and in the app, use Affirm on Apple Pay, or use the physical Affirm Card anywhere Visa is accepted in the U.S."}],"model":"claude-haiku-5-5","created_at":"2026-10-12T15:39:53.329Z"},"memberships":[{"list":"buy-now-pay-later","list_name":"buy now pay later","list_status":"active","list_url":"https://apptierlist.com/best/buy-now-pay-later/","position":4,"tier":"S","score":92.9,"components":{"rating":97.4,"votes":100,"rank":74,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-09T03:59:53.925Z"}],"main_list":"buy-now-pay-later","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"history":[{"id":116294,"at":"2026-10-16T02:24:51.811Z","kind":"tier_changed","list":"buy-now-pay-later","app_store_id":967040652,"app":"affirm-buy-now-pay-over-time-967040652","from":null,"to":"S","reason":"checked from the list's side: ranked #3","job":"rescore"},{"id":105552,"at":"2026-10-15T14:59:00.691Z","kind":"tier_changed","list":"buy-now-pay-later","app_store_id":967040652,"app":"affirm-buy-now-pay-over-time-967040652","from":"S","to":null,"reason":"under review: not checked from the list's side yet","job":"rescore"},{"id":73497,"at":"2026-10-14T01:05:49.786Z","kind":"tier_changed","list":"buy-now-pay-later","app_store_id":967040652,"app":"affirm-buy-now-pay-over-time-967040652","from":"A","to":"S","reason":"score 92.6","job":"rescore"},{"id":44870,"at":"2026-10-09T15:28:33.758Z","kind":"tier_changed","list":"buy-now-pay-later","app_store_id":967040652,"app":"affirm-buy-now-pay-over-time-967040652","from":"C","to":"A","reason":"score 93.1","job":"rescore"},{"id":37457,"at":"2026-10-09T07:06:03.430Z","kind":"tier_changed","list":"buy-now-pay-later","app_store_id":967040652,"app":"affirm-buy-now-pay-over-time-967040652","from":null,"to":"C","reason":"score 74.3","job":"rescore"},{"id":25471,"at":"2026-10-09T03:59:53.925Z","kind":"membership_added","list":"buy-now-pay-later","app_store_id":967040652,"app":"affirm-buy-now-pay-over-time-967040652","from":null,"to":"active","reason":"Core job: 'Buy now, pay over time' with installment plans, 0% APR options and plans over 12 months, online and in-store.","job":"fill"},{"id":20368,"at":"2026-10-09T03:10:04.928Z","kind":"app_added","list":null,"app_store_id":967040652,"app":"affirm-buy-now-pay-over-time-967040652","from":null,"to":null,"reason":"discovered","job":"fill"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"buy-now-pay-later","list_name":"buy now pay later","status":"active","review_status":"checked","position":4,"tier":"S","score":92.9,"components":{"rating":97.4,"votes":100,"rank":74,"recency":100},"ranks":[{"country":"us","rank":4},{"country":"gb","rank":6},{"country":"ca","rank":3}],"verdicts":[{"verdict":"keep","reason":"Affirm's core purpose is letting shoppers split purchases into installment payment plans. That is exactly what this list is about, and it sits alongside Tabby as a direct alternative.","verifier":"list check","decided_at":"2026-10-16T01:56:51.810Z","attempts":1,"current":true},{"verdict":"keep","reason":"Core job: 'Buy now, pay over time' with installment plans, 0% APR options and plans over 12 months, online and in-store.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-09T03:59:53.925Z","attempts":1,"current":false}]}]},"data_version":40851,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/affirm-buy-now-pay-over-time-967040652/"}}