Personal Finance · pricing
Affirm pricing
Affirm publishes 2 tiers. Below is each one, what it adds over the tier beneath it, and where the ladder stops being worth climbing for most people.
As of 1 September 2026, Affirm pricing is free across 2 published tiers. Figures are the vendor's list prices as recorded on this page's last check; the vendor's site is the final word.
- Entry price
- Free
- Model
- Free for short Pay in 4 plans; longer plans carry a disclosed APR up to roughly 36 percent, merchant pays a transaction fee
- Tiers
- 2
- Free tier
- Yes
Affirm plans, side by side
Every published tier in ascending order of price, with the number of features each one lists. An absence here means the record does not itemise it, not that the tier lacks it.
| Plan | Price | Features listed | Step up from the tier below |
|---|---|---|---|
| Pay in 4 | Free | 3 | Entry tier |
| Monthly instalments | Free | 3 | +$0/per loan, 3 more features |
What each tier adds
The set difference between each tier's feature list and the one beneath it. Where a tier lists nothing new, the vendor has either stopped repeating the inherited list or the tier raises limits rather than adding capability, the record does not distinguish the two, so this page does not either.
Pay in 4
FreeThe entry tier. It covers no interest if paid on time over six weeks, no late fees for a missed payment, soft credit check at application.
Monthly instalments
FreeOver Pay in 4, this tier adds:
- APR disclosed before the loan is accepted, up to roughly 36 percent depending on retailer and applicant
- Terms from three to 36 months depending on purchase amount
- Payment history can be reported to credit bureaus
Where Affirm stops being free
Pay in 4, Free
- No interest if paid on time over six weeks
- No late fees for a missed payment
- Soft credit check at application
No paid tier on record
Affirm lists a free tier and no priced tier above it in the record we hold.
What the product covers
The full Affirm feature record, grouped as the catalogue groups it. This is the product as a whole; the record does not map every feature onto a specific tier.
Other
- Pay in 4
- Monthly instalment loans
- Soft credit check
- No late fees
- Affirm Card
- Pre-purchase terms disclosure
People bring Affirm in for a shopper financing a large purchase such as furniture or electronics who wants disclosed apr terms compared directly against a credit card before committing, someone using the short pay in 4 plan for a smaller purchase who intends to pay it off within six weeks with no interest, a borrower who has missed a payment before and specifically wants a lender that does not charge late fees, a retailer offering point-of-sale financing to reduce cart abandonment on higher-ticket items, in exchange for paying affirm a transaction fee. If that is not the job you are buying for, the alternatives to Affirm are worth a look before you commit to a tier.
How that compares in Personal Finance
Too few personal finance tools in this directory publish a starting price to quote a meaningful median, so the table below is a like-for-like list rather than a ranking.
| Tool | Entry price | Model | Rated | Head to head |
|---|---|---|---|---|
| Affirm (this page) | Free | Free for short Pay in 4 plans; longer plans carry a disclosed APR up to roughly 36 percent, merchant pays a transaction fee | - | |
| Monzo | Free | Free core current account; paid Plus and Premium tiers add features | - | vs Affirm |
| Revolut | Free | Free standard tier; paid plans add higher limits, insurance and perks | - | vs Affirm |
| Strands | On request | quote | - | vs Affirm |
| Firefly III | Free | Open source, no licence fee | - | vs Affirm |
| Lunch Money | $60/year | Pay what you want, annual, above a published minimum | - | vs Affirm |
| Starling Bank | Free | Free personal current account; business accounts have free and paid tiers | - | vs Affirm |
Ratings are aggregated from third-party sources and imported with each catalogue entry, they are not reviews hosted on Softwr. How each figure is used is set out on the Affirm badges page.
Before you pay for Affirm
Three things this page cannot tell you, and all three change the bill. The record carries a price and a billing period but not the unit - per-seat and flat-rate pricing are indistinguishable in this data, so a five-person team may be looking at five times the figure above. It carries no annual rate, so any discount for paying yearly is not something this page can quote. And it carries no trial length.
What it can tell you is the shape of the ladder: 2 tiers between Free and Free, with the jump itemised above. Because there is a free tier, the cheapest way to answer the rest is to use it before paying anything.
Affirm runs on ios, android, web, and is published by Affirm Holdings, Inc. of San Francisco, California, United States. The full record is on the Affirm review, and the rest of the category is under best personal finance tools.
Affirm pricing questions
- How much does Affirm cost?
- Affirm publishes 2 tiers, from Free for Pay in 4 up to Free for Monthly instalments. The entry tier costs nothing.
- Does Affirm have a free plan?
- Yes. The Pay in 4 tier costs nothing and covers no interest if paid on time over six weeks, no late fees for a missed payment, soft credit check at application.
- What is the difference between Pay in 4 and Monthly instalments on Affirm?
- Monthly instalments costs Free against Free, and adds apr disclosed before the loan is accepted, up to roughly 36 percent depending on retailer and applicant, terms from three to 36 months depending on purchase amount, payment history can be reported to credit bureaus.
- Which personal finance tools can I use without paying?
- 6 of the 8 personal finance tools listed alongside Affirm have a free tier: Monzo, Revolut, Firefly III, Starling Bank, IRS2Go.
- What am I actually paying for with Affirm?
- The record lists 6 features across 1 area: other. In practice it is brought in for a shopper financing a large purchase such as furniture or electronics who wants disclosed apr terms compared directly against a credit card before committing, someone using the short pay in 4 plan for a smaller purchase who intends to pay it off within six weeks with no interest, a borrower who has missed a payment before and specifically wants a lender that does not charge late fees.
- Does Affirm charge per user?
- The record carries a price and a billing period for each of its 2 tiers, but not the unit that price is charged in. Per-seat and flat-rate billing look identical in this data, so check the vendor's page before budgeting for a team.
- Are these Affirm prices current?
- They are what the catalogue entry holds, refreshed when the entry is. Vendors change pricing without notice and nobody at Softwr re-verifies each tier by hand, so treat this as a structured summary and the vendor's own pricing page as the authority.
- What should I compare Affirm against before paying?
- The closest personal finance tools in this directory are Monzo, Revolut, Strands, Firefly III. Each has a side-by-side comparison with Affirm covering price, platforms and features.