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Affirm review

Updated October 14, 2026 · SumCue Editorial Team

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Our verdict

Affirm provides purchase financing selected at checkout, with monthly or biweekly repayment options. Available plans depend on the purchase amount and merchant; a down payment may be required.

Key facts

Best for
US shoppers comparing purchase financing at participating merchant checkouts.
APR
0% to 36%↗
Loan amount
up to $25,000↗
Term
1 to 60 months↗
Arrangement fee
0 USD↗
Representative example
$400 purchase: $80 down payment, then 12 monthly payments of $28.88 at 15% APR, or 4 interest-free payments of $100 every 2 weeks↗
Rate type
Fixed↗
Lender type
Direct lender↗
Eligibility
Residents of the US, Canada, UK and Australia; the Affirm Card is not available to residents of U.S. territories↗
Origination fee (%)
0%↗
Loan types
Personal, BNPL↗
Legal entity
Affirm, Inc.↗
Headquarters
United States↗
Founded
2012↗
Support channels
Help-centre↗
Pricing model
Fixed rate
Official website
affirm.com

Facts checked September 26, 2026, 2 sources

Apps and profiles

Elsewhere
WikidataWikipediaLinkedInXinvestors.affirm.com

Pros and cons

Pros

  • Select Affirm as a checkout payment method.
  • Monthly or biweekly payment options may be available.

Cons

  • Options vary by purchase amount and merchant, and a down payment may be required.
Affirm

Ready to try Affirm?

Scored 9.1 / 10 by SumCue.

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Who it suits

  • US shoppers comparing purchase financing at participating merchant checkouts.

How Affirm compares

Where Affirm is available

Available
Australia, Canada, United Kingdom, United States
Licence in United States
NMLS (US nationwide licensing system) (1479506), checked September 26, 2026
Licence in United States
California Department of Financial Protection and Innovation (60DBO-111681), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Which company operates Affirm?+

Affirm is operated by Affirm, Inc.. (Source, checked September 26, 2026)

Where is Affirm based?+

Affirm is based in United States. (Source, checked September 26, 2026)

When was Affirm founded?+

Affirm was founded in 2012. (Source, checked September 26, 2026)

How can I contact Affirm support?+

Affirm offers support through Help-centre. (Source, checked September 26, 2026)

Sources

  • en.wikipedia.org/wiki/Affirm_(company) checked September 26, 2026

    Backs: Loan amount, Founded, Headquarters, Lender type, Loan types, Term

    “the upper limit for the loan is $25,000”

  • affirm.com checked September 26, 2026

    Backs: APR, Eligibility, Legal entity, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Support channels, Licences

    “Your rate will be 0-36% APR based on credit, and is subject to an eligibility check.”

Compiled from 2 source pages, checked October 14, 2026. We did not open an account.

Not confirmed yet: Credit check, Funding time.

Affirm

Affirm

US shoppers comparing purchase financing at participating merchant checkouts.

9.1/10See alternatives