Affirm

Affirm is a buy now, pay later (BNPL) platform that enables consumers to break down their purchases into smaller, manageable installments, making it an ideal choice for those who prefer to spread out costs over time rather than paying upfront. Utilizing advanced AI algorithms, Affirm assesses borrower risk and provides instant credit decisions at the point of sale, ensuring a seamless shopping experience. This service is widely accepted by a variety of online and offline retailers across industries such as fashion, electronics, and travel. While Affirm offers flexible payment options, instant credit decisions, and transparency with no hidden fees or prepayment penalties, it’s important to consider that it may encourage overspending and that interest rates can be higher for borrowers with lower credit scores.