The Affirm Card—pay over time with no card fees, hidden fees, or growing interest

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Start using your Affirm Card

Step 1

Open the Affirm app and tap Card

See an estimate of how much you can spend over time, request a plan, and track your purchases. See footer for details.

Step 2

Request a plan and pick your monthly payment

Select where you’re shopping and how much you want to spend to see flexible plans.

Step 3

Pay online or swipe your card at millions of places

Use it like your other cards online or swipe your Affirm Card in person to pay over time anywhere Visa is accepted.

Step 4

Link your bank account for the best features

Your Affirm Card is a flexible debit card.
Pay in full for everyday purchases or split eligible purchases into a payment plan up to 24 hours later.

Questions? We’re here to help

The Affirm Card sounds great. How do I know if I qualify?

How do I pay over time using the Affirm Card?

Will there be interest on payment plans?

Will requesting a payment plan affect my credit?

Are there overdraft fees?

Visit the help center

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Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Your rate will be 0%–36% APR based on credit, and is subject to an eligibility check. Affirm Pay in 4 payment option is 0% APR.

Options depend on your purchase amount, may vary by merchant, and may not be available in all states. A down payment may be required. For example, at a purchase price of $800 you could pay a down payment of $160 today, followed by 12 monthly payments of $57.77 at 15% APR or 4 interest-free payments of $200 every 2 weeks.

The Affirm Money™ Account is held with Cross River Bank (CRB), Member FDIC. Affirm is not a bank. FDIC insurance covers accounts held with CRB in the event CRB fails. California residents: Affirm Loan Services, LLC is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681.

The 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. The Affirm Card is not available to residents of U.S. territories.