Affirm: Buy now, pay over time is a handy shopping app that allows you the flexibility to pay for your purchases over time, whether you're shopping online, in-store, or directly within the app. It even offers the Affirm Card™, a physical Visa debit card you can use anywhere in the U.S. that accepts Visa, making it super convenient for everyday purchases.

What makes Affirm stand out is the transparency and flexibility it provides. The app clearly shows your purchasing power and presents flexible payment options, including 0% APR deals and payment plans up to 12 months. Setting up AutoPay or making early/one-time payments is a breeze, which helps you manage your finances on your own terms.

Users love how the Affirm Card integrates seamlessly with the app, letting you request payment plans before or after checkout, though keep in mind that some minimum purchase amounts may apply. The app doesn't impact your credit when you apply, and there are no annual or card fees, which is a big plus for budget-conscious shoppers.

Overall, Affirm is a reliable tool that not only aids in making purchases more affordable but also offers an excellent way to build or improve credit by making payments on time. With a high user rating and millions of installs, it's clear this app has become a favorite for many looking for smarter, flexible payment solutions.