Affirm offers consumer financing at the point of sale, letting shoppers split purchases into payments such as interest-free Pay in 4 installments or longer-term monthly loans with rates from 0-36% APR based on creditworthiness. Its products include the Affirm Money Account, held with Cross River Bank, and the Affirm Card, a Visa debit card issued by Evolve Bank & Trust or Stride Bank, N.A., as well as one-time-use virtual cards issued by partner banks. Loans are originated through lending partners and licensed entities including Affirm Loan Services, LLC, serving everyday retail consumers making purchases both online and in-store through merchant partnerships.
