Meet the Affirm Debit+™ card. Use it to pay in full, or choose to pay over time in the app when eligible. It’s a brand new way to pay for pretty much anything, pretty much anywhere, in store or online.
Shop for purchases big and small
Pay up front with your card for your everyday purchases, or choose to split bigger ones in the Debit+ app when eligible. Enjoy the flexibility you need, when you need it.
Get flexible payment options
We’ve got payment plans that work for you and your budget. Before you buy, request monthly payments or interest-free installments—with an initial payment due at purchase—when eligible. Or request to pay in 4 in the app for up to 24 hours after your purchase.
No fees, no kidding
We don’t charge any kind of fees. Instead, you get a simple, transparent way to take control of your purchases. The total amount owed you see in the app will never change—from day one to day done.
Pay with it almost anywhere
Use Debit+ wherever Visa is accepted. You can pay with the physical card (available in 4 eye-catching colors), or you can tap to pay with the digital card on your phone. And of course, you can use it online like any other card.
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, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks. 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. Debit+ Banking Services are provided by Evolve Bank & Trust, Member FDIC, issuer of the Affirm Debit+ Visa® Debit Card pursuant to a license from Visa U.S.A. Inc. Debit+ is not available to residents of U.S. territories. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506. For licenses and disclosures, see affirm.com/licenses.
Affirm Debit+ Positive Reviews
Network fail errorI keep trying to finish the process and when I get to the final step, it keeps saying network fail error.. what’s going on? I truly enjoy utilizing affirm but I would enjoy the access of a debit card even more. Developer can you assist with this problem.MzBea23Version: 1.0.97
No cash back rewardsCard works perfectly for me. Only two drawbacks: 1. No cash back rewards 2. No other benefits like car rental insurance etc. Maybe Affirm can offer us the choices to select the above benefits by paying layered membership fees? If we have such choices available, I will close my other credit cards..Brian K. WangVersion: 1.0.208
Ok I guessSo I thought you could make a purchase up to your approved limit and split the payment up regardless of how much in checking acct. I see the slight convenience with this but would’ve been better to have the approved amount available if selecting to split payments..Ric. CVersion: 1.0.91
Easy and ConvenientThe app has worked flawlessly for me. I have used it on occasion to split larger purchases into equal payments for convenience. The whole process is smooth and intuitive..CbeechamVersion: 1.0.161
So confusingIt’s telling me that my card is available download the app. When I go through the process it says they are working on a spot for me. Whatever!!!.Sascaka98Version: 1.0.178
Can’t connect bankI have been trying to connect my bank for days now and all it says is connectivity to my back is down. Working on it. So far I can not and you can’t do anything else since it will not let you past that part. Not off to a good start..Yoshman98Version: 1.0.91
Can’t see purchasesI purchased a new Apple Watch series 7 and I cannot view the purchase within the app so I don’t know if I can split up the payments because it is not showing..JWebb311Version: 1.0.80
AmazingHonestly this app and card works so well I’m probably going to be using it all the time. The onboarding flow including linking my account was flawless too..SjtgrahamVersion: 1.0.124
'connection with linked account has been lost'. again...I'd give the app four stars, if it weren't for the alert i woke up to this morning.
this will be the third time i've had to go through the process that links the app (or system backend) with my bank account.
this worries me a little, given that there's never any explanation for this happening. you don't expect a financial services app (or system) to lose your user data.
otherwise, the app and service have worked well for me. (although initial connection attempts are not always successful.)
better documentation would be helpful--about the purchase amount preapproval process, especially..I have my reasonsVersion: 1.0.178
Bank Not ListedWould love to try this out but unfortunately my bank isn’t listed.MaximusmjgVersion: 1.0.108
Attempting to Sign In!I would love to be a member of the new Affirm Card, though every time I get to the last stage. It informs me issue with bank.
Sincerely,.SupercalifragileusiticVersion: 1.0.133
Free International Money Transfer 💸Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks! The cheap, fast way to send money abroad. Free transfer up to 500 USD!AdvertorialVersion: 1.0.219
Affirm Debit+ Negative Reviews
Issues with connecting bank accountWhen I first signed up I was able to link my bank account just fine. Having the card now for several months I get notification my bank account was disconnected due to technical difficulties. When I go into Affirm Debit + my account j for is still linked and there, shows my current balance, but says I have no funds available to use with my Affirm Debit + card. I tried to reconnect my bank account but keep getting errors. When I go to my bank it says they are still connected to Affirm Debit +. I had the bank stop allowing them access so I could re-add my bank account but when I go into Affirm Debit + it stills shows it even though I had the bank stop their access. So I again try to add my bank account but again get the same error. I keep getting emails stating I need to re-add my account. How can I re-add when it won’t let me not to mention it still shows it’s linked. Now the card is unusable which is fine as I had not even used it yet because I’m still trying to figure out how it even works..CChamberlain4444Version: 1.0.215
Doesn’t work as advertisedIm a long time Affirm customer and generally pretty happy with the company but I jus got their new Debit + card and activated it yesterday and went to Home Depot to get some paint and supplies i needed for $155. The card didn’t give me the option to select payment plans and instead said “ Your available to split amount is currently unavailable”. Affirm says Your supposed to have 24 hrs to decide if you want to split payments but I got none of that. Im just being charged full price from my checking account. Customer service couldn’t explain to me what at Home Depot wouldn’t be eligible for payment plans. All I bought was paint supplies and thats not on Affirms restricted list so I'm at a lost but since it’s my first time using this card, I don’t want any more surprises so I’ll probably just cut up the card. Big disappointment for me..Amy and heejoon's dadVersion: 1.0.215
Terrible ServiceFirst off, I will start off by saying when the service first launched everything was fairly smooth. I was able to connect my bank, and make a few purchases successfully splitting the purchases. Then for some reason affirm had some technical issues and my bank was disconnected. I tried to re-connect and my bank was no longer supported for some reason. So i closed my account. I had one of my purchases refunded after i closed my account and its now been over a month and affirm still hasnt given me my money, and customer service has been awful everytime I reached out so at this point I dont think ill ever get my refund. Lastly, i think its stupid that you have to have enough money in your checkings account in order to complete a purchase for that matter just use your actual debit card….GreenmoneysignVersion: 1.0.208
Unknown Network FailureI’ve signed up for the Affirm Debit Card Plus when they first sent out emails to get on the waitlist. Downloaded the app a few weeks ago and haven’t gotten my invitation yet. Right now as I’m writing this review, I’ve been trying to apply for the card and every time I accept the terms and conditions (the end of the application), I keep getting this error message: Unknown Network Failure. Not sure if this is from a lot of people trying to apply for the card all at once and it’s causing the app to crash or the app was released too early. Hope this issue gets resolved so I can receive my card!.TyyijbVersion: 1.0.97
Overall UselessI have been using affirm for making purchases n making payments over time, in my understanding affirm debit plus should have the same concept on daily purchases. but it actually doesn’t. You would have to make a certain amount of purchase more than 100$ n not more 1000$ in order to split payment, n you have to choose to split payment, bc if you dont it would automatically pay you check account on file in 3-4 business day. Honestly i dont see the point of having this in your wallet, its best off to just make purchases directly from your checking debit..ImbormaVersion: 1.0.128
Dangerous to connect your bankIt’s extremely dangerous to connect your banking account to this app via Plaid the processor Affirm uses to access your debit card.
You see you not only forced give Plaid access to one debt card but you are forced to grant them access to EVERYTHING you have with that particular bank. They want your overall bank signin, not just one account, they get access to all debit cards you have, all credit cards, any loans and your entire bank statement, in short any and all information your bank has Plaid (and therefore Affirm) receive access to.
Too massive a risk for me.Neutral ObserverVersion: 1.0.212
Please update this appThis app is very unpredictable. You can wake up with 500 to spend and never spend from your bank account. But mid-day it’s going to decline transactions and tell you you’ve gone over the limit.
Then it’ll say $0 available and still show the money you have in your bank account. Next notification comes within 24 hours: “YOUR ACCOUNT IS NO LONGER CONNECTED”
I’m tired of signing into my account every day for this app to work. Its starting to feel like fraud..QueenYeezVersion: 1.0.217
Says I had early access….But when I logged in it said I didn’t😑Got an email saying I was in the beta,I downloaded the app signed in,And it says my email isn’t part of the beta. This isn’t a good start affirm…..I hope you fix this bug because I’ve been a member for years. I will update my star rating when you fix this for those of us who were denied access to beta when we got email saying we were part of it..Nobody7719Version: 1.0.97
Would appear it does not work with most banks.I certainly have appreciation for the company that is Affirm. Though when unable to enter banking info manually the only alternative (due to both banks not being listed) is to uninstall and discontinue use, no help, no guidence, simply choose another bank that you arent associated with. Consider a manual option. Until then; perhaps this app was released prematurely..PherasysVersion: 1.0.97
Good product, Awful AppLove the concept and the product.
The App is constantly losing connection to bank my account. For no apparent reason. Nothing has changed. No a fan of having to constantly link my bank account and re connect.
Will Probably stop using product due to the constant app hassle..APKangaVersion: 1.0.215
Doesn’t support most banks even with PlaidI tried in the following order, Robinhood, Chime, SoFi and even my local credit Union UCCU. Seems like they only want you if you’re dealing with the big boy banks but since I don’t I guess I won’t. Big thumbs down from me. What does it matter who I bank with, you can see my balance in plaid and you’re debiting via ACH. You’ve lost a potential customer..NoimnotgivingyouanicknameVersion: 1.0.212
New Changes Not Worth the BotherThe way the card worked before was awesome because even if you didn’t have money in your checking you could split payments. Now the way it works you have to have most of the funds available to make a purchase at that time.
Affirm is still good but this debit account isn’t..Cadence EastVersion: 1.0.128
DisappointedI was approved, received my card info, applied to make several purchases under a specific amount. I was told I had 2 hours to complete my transactions. The card was denied and only approved for what was available in my personal account..ShawnymarieVersion: 1.0.205
StuckI can’t get past the “we can’t verify it’s you” and contact our support team button doesn’t do anything. Have tried to link my account several times now. I hate giving my banking info multiple times. Makes you wonder where it goes when it doesn’t work. It says “Plaid” has it. Great..NrsconnieVersion: 1.0.178
App IssueI got an email this morning saying I was chosen to access Affirm Beta, yet when I signed up and got to the end I hit an error message saying my email is not in beta even though I clearly received a message saying that it was. Extremely disappointed in this and I’ve been using affirm for about 2 years now 😐.Jlyas92Version: 1.0.133
Debit + CardI have been trying for a month to get this card and I have been told to try another bank. I don’t use another bank. I have used Affirm for years and currently they have all my bank information. This is so annoying..DebilahVersion: 1.0.178
BetaShould put that this is in beta and is invite only vs having people download to see a screen saying join the waitlist. Feels like a way to get the stats up knowing that this app isn’t open to the general public. Great concept and hoping it will work well once open to the public..Ronnie2492Version: 1.0.133
Whats the point :/Whats the point of this app? It tells me for me to link my bank account to be able to use affirm debit+ for purchases. Why would i do that when i have my actual debit card in my wallet/or stored in my phone and can make debit purchases with that.
So you’re telling me you want me to give you access to my bank account so i can make purchases with affirm+ that I can easily make with my own debit card.
I deleted the app in less than a minute.
Trash. Worthless.
Users: i would be wary of giving your banking access to too many apps..JtroushVersion: 1.0.96
TerribleThe closest thing to a scam! They say you can split payments but everything you purchase isn’t eligible for split payments everytime you make a purchase. They can’t even tell you why it’s ineligible either. It’s a legal scam! Might as well use your regular debit card because this one is VERY misleading and useless!!.Blaq ComancheVersion: 1.0.188
Pre-Selected List of BanksYour list does not support all banks. I bank with my local credit union and this pre-selected list makes the app worthless to me. There should be a way to enter my bank information manually so that I can still use the app and it’s benefits. Not everyone uses these big name banks..King Zombie 84Version: 1.0.128
Can’t use itI’ve tried to use the card on multiple occasions and it just never works. Everything is connected to the account, and the money is available in my check connected account but the card just never works.JnubygtyVersion: 1.0.128
Won’t let me splitSo I purposely made a purchase of $100 at target ($106 to be exact) so I can do the split . And the app isn’t even offering it nor is it working . It just keeps saying “split amount unavailable”. What’s the point of this card if it doesn’t do what it says? Don’t recommend.BlahhshsixVersion: 1.0.133
Banking password reqApp requires you to enter your online banking password. - Hard Pass.
P.S. It’s a BETA version! You’re suppose to be reporting the glitches. Any commenters complaining and upset about the App obviously don’t understanding Beta testing. Lol.Vreq8Version: 1.0.110
ConfusedI have been using affirm for a while now and paid my payments on time to find out that i was prequalified one minute and the next I wasn’t..HarleyQuinn052787Version: 1.0.140
Worst experience!The system keeps inviting and prompting me to download, then tells me I am not one of the”invited”.
While I have successfully used Affirm many times, and successfully paid - on a timely basis- all obligations; this app definitely leaves bad vibes and is a discredit to Affirm..Az curmudgeonVersion: 1.0.178
Cannot SplitPurchases do not appear until after 24 hours and you no longer have option to request to split. Have to contact support several times, very glitchy!.TayinlaVersion: 1.0.96
UselessI’ve made several transactions, yet none of them have been eligible to split. Vet bill, new tires, and groceries. All which should be eligible. So what exactly IS eligible?.DinkreaVersion: 1.0.97
FraudDo not get this app. After you log your bank information they will tell you it’s an error or unsuccessful. It’s just a scam to get your information. Change your password immediately!.Daize rosieVersion: 1.0.133
KICKED ME OFF CARD OUT OF NOWHERE!I’ve been using debit plus for a month and tonight I went in to pay for something and was declined. Checked the app and it says to join the waitlist and my email isn’t recognizable. It kicked me off my account and I still owe money!!!!!!!!.THE SUPREME GORDOTAVersion: 1.0.108
Not workingIt won’t let me finish the process. I enter my correct bank information and it keeps telling me it’s wrong on the debit plus app but I have the same information on the regular affirm app..Biagas!234Version: 1.0.161
Poor quality terrible customer serviceI highly recommend you keep looking.BGlascoVersion: 1.0.112
Changed the iOS compatibility so I can no longer useChanged the iOS compatibility so I can no longer use.D&AKVersion: 1.0.178
Link process brokenYou have the option to link to USAA but have no way to do name, password, and pin. Useless until patched..~ajVersion: 1.0.178
Affirm debit+ cardI didn’t get any Option after 24hrs to do a split I kept looking so it took $200 out my bank 3 days later.Bigpoppabear78$Version: 1.0.133
Uh okDownloaded the app and says I’m not even on the wait list when I just received the email saying I have early access.JoeyBelvisoVersion: 1.0.97
FAKE OfferAffirm invites you to take this card then tell you it is not available!!! What is the point..THGUY2321Version: 1.0.178
Need helpI can’t even go Further and I’m trying to book a trip what’s is going on.88 sue sueVersion: 1.0.128
Give up my bank log in?Give up full access to my bank accounts? Nah I’m good..BikeGrizVersion: 1.0.128
Bank won't link.Tried to link my bank account, says "must disable 2 factor authentication & try again" but it is not on for my bank account. my regular affirm app works fine. this isn't..FernTheHerbVersion: 1.0.149
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Affirm, Inc.
