App Overview

Affirm: Buy now, pay over time icon

Affirm: Buy now, pay over time

Affirm, Inc. · Shopping

Pay over time with Affirm online, in-store, and in the app

Free · In-app purchases

PRICE
Free
In-app purchases
BUSINESS MODEL
Freemium
No overall Grossing estimate available
RATING
4.9
1,714,548 ratings · Top 5%

Evidence scope: No current overall US chart position is available. Category-chart positions shown in discovery are a separate scope. Revenue is a directional model estimate, not verified earnings.

Build your own version

Build Kit

Make this idea yours

A product spec, screen plans, and build steps for your coding agent.

First kit free with a verified email

Add to a Remix

Combine features and design from your favorite apps.

Kit ready. Verify your email to download it.

What's included15 files

A product spec, phased build plan, differentiation notes, and screen references.

  • START_HERE
  • AGENTS
  • EVIDENCE
  • SPEC
  • BUILD_PLAN
  • DIFFERENTIATION
  • skills/
  • screens/
Preview a sample Build Kit No email needed

Illustrative example: an invoice app for independent contractors. Your kit is tailored to the app you choose; this is not its generated content.

Feature spec

Goal: Send a clear invoice after finishing a job.

  • Add a client, line items, a due date, and payment instructions.
  • Preview the total before exporting a PDF.
  • Keep an editable draft if export fails.

Screen plan

Invoice editor: Client at the top, editable line items in the middle, total and preview action at the bottom.

States: Empty draft, validation errors beside each field, exporting, and a retry action that preserves the draft.

Differentiate and validate

Hypothesis: Contractors need faster repeat invoices more than more templates.

First experiment: Test duplicating a previous job with five contractors. Watch where they hesitate before expanding the feature set.

The full kit adds a phased build plan, evidence notes, tool prompts, and implementation guidance. It is a plan for your coding agent, not a finished app.

Usage: Mechanics are fair game; never reuse the original name, branding, assets, or verbatim copy.

JavaScript is required to complete mailbox verification.

Free quick prompt For a smaller starting point

Quick prompt

> SELECT BUILD PLATFORM:

Good fit for mobile-first iOS and Android prototypes with managed app scaffolding.

// RORK SYSTEM PROMPT
Rork plan preview for Affirm: Buy now, pay over time: map the core Shopping workflow, choose the smallest differentiated feature set, define the data and monetization boundaries, then prototype the riskiest user journey first.
            

Preview ready. Verify your email to reveal and copy the full prompt.

JavaScript is required to complete mailbox verification. Return to this prompt preview.

Continue in Rork copies the full prompt to your clipboard first, then opens Rork in a new tab.

Continue in Rork >

Affiliate link: CloneChart may earn a commission at no extra cost

Opportunities

AI-GENERATED OPPORTUNITY HYPOTHESES

These are generated suggestions, not verified review quotations. Check current App Store reviews and speak with users before treating a possible gap as a requirement.

Hypothesis 1

Provide clear explanations and examples of payment plans.

Assumption to check: Confusing payment options for users

Validate with people who use this workflow before building.

Hypothesis 2

Partner with more retailers to expand product offerings.

Assumption to check: Limited product variety

Validate with people who use this workflow before building.

Hypothesis 3

Implement real-time tracking notifications for users.

Assumption to check: Inconsistent order tracking updates

Validate with people who use this workflow before building.

Hypothesis 4

Offer more flexible payment options and user-friendly reminders.

Assumption to check: High fees for late payments

Validate with people who use this workflow before building.

App evidence

Original App Store material. Ratings and screenshots describe the existing app, not proof of demand for your version.

App Store description

Pay over time with Affirm online, in-store, and in the app. Plus, eligible customers can get the Affirm Card™ to use anywhere Visa is accepted in the U.S., or pay with Affirm on Apple Pay. Why you’ll love the Affirm app: • See your purchasing power front and center • Shop brands with clear, flexible payment options • Discover deals, 0% APR options, and plans over 12 months • Set up AutoPay or easily make early or one-time payments • Request to pay over time with the Affirm Card online or in-store Take your Affirm Card everywhere: • Get a physical card and use it anywhere Visa is accepted in the U.S. • No credit impact to apply, and no card or annual fees • Discover 0% APR options or flexible plans at top brands, in-store and online • Request a payment plan in the app before or after checkout. Minimum purchase may be required for payment plans. See footer for details. Purchasing power is an estimate and may include a down payment at checkout. Approval and terms aren’t guaranteed. The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust (Evolve) or Stride Bank, N.A. (Stride), Members FDIC, pursuant to licenses from Visa U.S.A. Inc. Affirm is not a bank. FDIC insurance will only cover the failure of Evolve and/or Stride. Learn more at https://www.fdic.gov/resources/deposit-insurance/. Pay-over-time plans must be applied for each purchase in the mobile app, are subject to eligibility checks and are provided by affirm.com/lenders. Minimum purchases are required for pay over time plans; the amount is located in the Card tab of the app. For purchases that are not approved for and matched to a payment plan, you authorize Affirm to initiate an ACH debit from your linked bank account within 1-3 days of the purchase. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license 60DBO-111681. For licenses and disclosures, see affirm.com/licenses. Rates from 0 - 36% APR. For example, an $800 purchase could be split into 12 monthly payments of $77.99 at 30% APR, or 4 interest-free payments of $200 every 2 weeks. Loan options vary, are subject to eligibility, and may depend on whether your loan is applied for before or after your card purchase. There are minimum purchase amounts for loans, a down payment may be required, and may not be available in all states.

Written user reviews are not shown here. Check current App Store reviews >

Screenshots

< Scroll to see more >

Build scope

Plan a focused first version with your coding agent. These are planning assumptions, not a delivery guarantee.

Define the first version

Choose one audience and one core workflow. Use the kit to agree on its screens, data, and acceptance criteria before building.

Set boundaries

Decide which secondary features, integrations, and platform support can wait. Your version does not need to reproduce everything in the original.

Check the hard parts

Validate external services, specialist technology, data access, and ongoing costs for your chosen scope.

SUGGESTED BUILD STACK
React Native
Expo
Supabase
Zustand
React Navigation
React Native Reanimated
BUILD KIT DIFFICULTY
Expert

From the Build Kit assessment.

A reliable timeline needs an agreed scope and a technical check. Ask your agent to estimate the phases in BUILD_PLAN.md after that review.