Affirm: Pay over time
90
Quality Score
Transcendent
Affirm: Pay over time
by Affirm, Inc.
High confidence
✍️ Bumetric analysis
“
This app targets the point-of-sale financing niche, competing directly with services like Klarna, Afterpay, and PayPal Credit. Its substantial user base, evidenced by over a million ratings and a high average rating, indicates strong market penetration and user satisfaction. The estimated monthly revenue, while modest for its user count, suggests a mature product with established traction rather than an early-stage startup. This isn't a growth-stage app; it’s a dominant player maintaining its position. In the shopping category, a common monetization observation is the reliance on merchant fees rather than direct consumer IAPs. While this app is freemium, its revenue likely stems from a percentage of transactions facilitated, with premium features or the Affirm Card driving further engagement and transaction volume for their merchant partners, rather than direct subscriptions or one-time purchases from users.
BU Score 90 · Transcendent — category-leading momentum. The full Investment Matrix below scores 8 dimensions including monetisation, growth, and operational risk.
Track snapshot history and revenue forecast in the Performance section below.
💰 Forecast monthly revenue
—/mo
Founder-confirmed monthly revenue
BIG tierFREE
💡 Grow this revenue
Free AI audit of this app’s store listing
- Title & subtitle keyword fit
- Description hook & conversion structure
- Screenshots, ratings, reviews strategy
Typical impact: +2-5× organic installs
📊 Performance Tracking LIVE
506 snapshots on record
Rating
4.9
Reviews
1,713,814 reviews
Forecast Revenue / mo
—
Snapshots tracked
506
since Oct 2025
🤖Also on Android
$172/mo · 565K ratings · 4.8★
View →
📊
BU Investment Matrix
High risk · 33/100BIG TIERFREE (NO MONETIZATION)structural problemsGrowth Velocity
5.0
Founder Strength
5.3
Product Quality
8.2
Revenue Strength
0.0
Monetization Maturity
0.5
Defensibility
4.5
Market Position
0.9
Operational Safety
1.9
- 💰 Revenue: Pre-revenue or unknown — $0 - $0/mo · BIG tier · high confidence, trajectory unclear.
- ⭐ Quality: 4.87★ across 1,713,814 reviews — strong (top 10%).
- 📍 Market: Not yet charting in any of the 9 monitored markets.
- 📈 Growth: dev shipping weekly.
- ⚠️ Risk: High — 5.9% refund mentions, scam/fraud mentions detected, rating drift -3.03 ★ (recent 50 vs lifetime).
🎯 For competitors: Vulnerable. Quality drift + slow updates create a clear opening for a fresh competitor with active dev cadence.
💵 For acquirers: No verified revenue — acquisition only makes sense for tech / userbase / brand.
Composite of 8 dimensions computed deterministically from public signals — no LLM, every score traces back to a measurable input. Default weights shown; "compete" / "acquire" / "invest" lenses re-weight without re-fetching.
Range:
💰 Forecast Revenue / mo
MODELRevenue forecast computed from BU's 234 trigger model on each snapshot. Calibrated against ground-truth from 58 verified-revenue apps.
🔬Forecast Breakdown — Why This Estimate?Top 12 of 12 triggers
Our ML model uses 200+ signals from public data. These are the most influential for this app:
| High install base (1,713,814 ratings)METRIC | +$12,000 | |
| Excellent rating (4.9★)METRIC | +$2,200 | |
| bugsREVIEW | −$1,800 | |
| 5 starREVIEW | +$1,800 | |
| great valueREVIEW | +$1,600 | |
| cancelledREVIEW | −$1,500 | |
| excellent appREVIEW | +$1,500 | |
| Mature app (11y old)METRIC | +$1,500 | |
| highly recommendREVIEW | +$1,400 | |
| slowREVIEW | −$1,200 | |
| support teamREVIEW | +$900 | |
| Ad-supported / freemiumMETRIC | +$600 |
METRIC = structural app data · REVIEW = mined from user reviews · ✓ VERIFIED = Stripe-verified anchor (TrustMRR)
📈 Reviews Growth
LIVECumulative review count from first BU snapshot. Each point = a tracked update.
⭐ Rating Trend
LIVEAverage rating evolution. Updates with each new review batch.
🆕 What's New · v4.95.1
Bug fixes & performance improvements
Profile & Insights
Everything we know — and don't — about this app and its company.
Identification
- App name
- Affirm: Pay over time
- Developer
- Affirm, Inc.
- Bundle ID
- com.affirm.recharge
- App Store URL
- Open in App Store
- Category
- Shopping
- Content rating
- 17+
- Languages
- EN, FR
Company
- Website
- Not found
- Tagline
- Today
- Description
- Find apps and games for iPhone, iPad, Mac, and more on the App Store.
- Founded
- Not found
- HQ / Address
- Not found
- Employees
- Not found
- Logo
- Available
Revenue
- Reported revenue signal / mo
- Not found
- AI revenue estimate / mo
- Not found
- AI annual estimate
- Not found
- Model estimate / mo
- $19.5K/mo
- Top-grossing rank
- Outside top 100 in US Shopping
- All-time revenue
- Not found
- Pricing
- Not found
Founder
Founder data not yet collected for this app.
Funding
Funding data not yet collected for this app.
Press & Links
Press & Links data not yet collected for this app.
Contacts & Socials
Contacts & Socials data not yet collected for this app.
📈Ratings growth1,714,585 ratings+383476% lifetimeShow 3-year history estimate ▾
Tracked (60 weeks) Pre-tracking estimate (0 weeks) · model-based, ±5% noise · anchored to release date and current value
🌍Geographic ReachNot ranked
This app is currently outside the top 100 grossing in all 9 countries we monitor (US, UK, DE, FR, JP, CA, AU, BR, IN). Niche or new apps often launch this way — popularity rankings appear once daily revenue clears the regional threshold.
🚀Update Frequency · Releases per Quarter5 releases tracked
🚀Version Release Timeline5 releases tracked
Profile is built from iTunes Lookup + developer site scrape + ML revenue model. Empty fields show "Not found" — additional sources (Crunchbase, X, IndieHackers, Acquire.com) coming.
📝 About this app
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:… View full description on the official store →
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:… View full description on the official store →
App Specs
🔐 Own this app? Claim & verify MRR →💾 142 MB🔞 17+📱 iOS 16.0+🔖 v4.95.1🔄 updated 1w ago🌐 EN, FR📂 Shopping💰 Paid🚀 Launched 2015 (11y old)
📅
What Worked™ · Development Pipeline
15 EVENTS TRACKEDDetected changes in this app over its tracked lifetime — each event links cause (what changed) to effect (what moved). Sorted newest first.See full history →Version history →
2026-09
🔧
Shipped update — v4.84.2 → v4.95.1
→ 30 days after: reviews +83 medium · co-occurring
2026-08
🔧
Shipped update — v4.80.2 → v4.84.2
→ 30 days after: reviews +469 medium · co-occurring
2026-07
🔧
Shipped update — v4.70.2 → v4.80.2
→ 30 days after: revenue +$9.2K/mo · reviews +506 high confidence
2026-06
📦
Bundle ↑ 105MB → 183MB — likely major code refresh
→ 30 days after: revenue +$9.2K/mo · reviews +120 medium · co-occurring
2026-06
🔧
Shipped update — v4.58.3 → v4.70.2
→ 30 days after: revenue +$9.2K/mo · reviews +365 medium · co-occurring
2026-05
🔄
Monetization changed: freemium → free
→ 30 days after: reviews +245 high confidence
2026-05
⭐
Rating ↑ 3.50 → 4.87 (improved 1.37★)
→ 30 days after: reviews +245 high confidence
2026-03
📈
Crossed 1,000 ratings — social-proof flywheel kicking in
→ 30 days after: revenue +$10.3K/mo · rating +0.23★ · reviews +1,706,048 medium · co-occurring
2026-03
📈
Crossed 500 ratings — social-proof flywheel kicking in
→ 30 days after: revenue +$10.3K/mo · rating +0.22★ · reviews +1,706,051 medium · co-occurring
2025-11
📈
Crossed 100 ratings — social-proof flywheel kicking in
→ 30 days after: rating +0.16★ · reviews +155 high confidence
2025-10
📈
Crossed 50 ratings — social-proof flywheel kicking in
→ 30 days after: reviews +137 high confidence
2025-10
📈
Crossed 10 ratings — social-proof flywheel kicking in
→ 30 days after: rating +2.28★ · reviews +119 low · multiple changes
2025-10
⭐
Rating ↓ 3.00 → 2.33 (dropped 0.67★)
→ 30 days after: rating +2.30★ · reviews +118 low · multiple changes
2025-10
🚀
First tracked snapshot — initial data captured
→ 30 days after: rating +2.25★ · reviews +112 medium · co-occurring
2025-10
⭐
Rating ↑ 1.00 → 3.00 (improved 2.00★)
→ 30 days after: rating +2.25★ · reviews +112 medium · co-occurring
🗣
Voice of Customer
Based on 508 reviews across 3 markets● 46% positive · ● 12% neutral · ● 42% negative · Rating drift: -3.03★ (declining — recent 50: 1.84★ vs lifetime: 4.87★)
VADER compound sentiment per quarter (−1 = fully negative, +1 = fully positive). Each point ≥ 5 reviews.
Sentiment by country (−1 to +1)
🇨🇦 CA
+0.10
🇺🇸 US
+0.05
🇬🇧 GB
+0.05
Top praise themes
credit card ×10 build credit ×9 highly recommend ×8 customer service ×7 payment plan ×6 credit score ×6 payment options ×4 life saver ×4
Top complaint themes
customer service ×60 purchasing power ×22 won let ×16 credit score ×12 credit card ×12 phone number ×12 customer support ×11 doesn work ×9
Risk signals
Refund mentions: 5.9% Bug mentions: 4% Fraud / scam mentions: 5.9%
🌍
Multi-Country Performance
Available in 3 of 9 monitored markets| Market | Rating | Reviews | Current version |
|---|---|---|---|
| 🇨🇦 CA | 4.62479★ | 8,017 | 4.62479★ this version |
| 🇬🇧 GB | 3.12★ | 25 | 3.12★ this version |
| 🇺🇸 US | 4.8655★ | 1,714,586 | 4.8655★ this version |
🔔
Track this app’s revenue
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ONE-TIME · BUILD
💰 Estimated build cost
$180K
↳ What it cost to build · not monthly revenue
Likely range $135K – $245K
$25K · MVP floor
$100K · indie scale
$500K+ · studio build
Synthetic estimate. Inputs: category complexity, file size, screen count, monetization layer, platform reach, age × team-size proxy. Calibrated against 2024-2026 indie-agency rate surveys. Full math + source list on /methodology.
Where the money goes
| 🧱 MVP baseline (design + 1-store ship) | +$28K |
| 📱 5 unique screens × $4.5K | +$22K |
| 📦 Asset bundle (142 MB) | +$36K |
| ⚙ Shopping complexity ×1.30 | +$26K |
| ⚙ 11.1y maintenance × ~1-person team | +$66K |
Total estimate
$180K
👥 Estimated audience size
119.5M
Lifetime downloads (US-equivalent)
Monthly active
6.5M
Daily active
1.1M
Synthetic estimate from ratings × category benchmarks. Calibrated against 2024-2026 mobile-attribution retention + DAU/MAU reports. Numbers are US-storefront-equivalent — true global audience can be 5-10× larger for international apps. Full math + source list on /methodology.
How we sized it
| 📲 Shopping engagement | ~100 installs / rating |
| 📅 11.1y of rating accumulation | -30% |
| 🔁 Shopping D30 retention | 12% |
| 📍 DAU / MAU stickiness | 0.18 |
DAU / MAU
18% sticky
🛠 Estimated tech stack
🍎
Native iOS (Swift / UIKit)
Medium confidence · 60%
Also possible
React Native
Flutter
Heuristic guess from app bundle size, category, store description signals, and release-date stack era. Bumetric does not disassemble binaries — for binary-level certainty you would need an SDK intelligence tool or the manifest itself. Reasoning chain on the right. Full ruleset on /methodology.
Signals we read
| 📦 App bundle size | 142 MB |
| 🏷 Category context | Shopping |
| 📦 Mid-large iOS bundle | → Likely native Swift / UIKit (pre-2020 era) |
💀 Maintenance status
Active
5%
Last shipped 2026-09-14 · 10 days ago
0 · Active
50 · At risk
100 · Abandoned
Heuristic risk score from time-since-last-update + ratings velocity proxy + Editor's Choice / curated featuring signals. Calibrated against 2024-2025 app-store ranking decay reports. Not a guarantee — a quiet app with a healthy codebase looks the same as an abandoned one until something breaks. Full math on /methodology.
Risk signals
| 📅 10 days since last update | Active development |
Verdict
Active
📝 Description
95
BU Score · Transcendent
Full revenue analysis
Read the article-style breakdown for Affirm: Pay over time: category rank, percentile, growth signal, comparable apps, and how the forecast is calibrated against verified-MRR anchors in this niche.
About this analysis
Why high confidence: 1,713,814 ratings · no founder-verified revenue (model estimate only).
❓ Frequently Asked Questions
7 answers · auto-generated from this app's public dataHow many users does Affirm have?▴
Estimated audience: ~119.5M lifetime downloads, ~6.5M monthly active users, and ~1.1M daily active users. Derived from ratings count × category installs-per-rating × age decay. US-storefront-equivalent — global audience can be 5-10× larger for internationally-distributed apps.
What apps are like Affirm?▴
Browse the full Shopping category catalog to find similar apps with revenue, build cost, audience and tech stack data. Each /p/{slug} page also shows a Compare side-by-side widget with three peer apps from the same niche.
What is Affirm built with?▴
Our heuristic places Affirm on the Native iOS (Swift / UIKit) stack (Medium confidence, 60%). Signals: app bundle size, category context, store-description markers, release-date era. We don't disassemble binaries. Alternative possibilities: React Native, Flutter.
Is Affirm still actively maintained?▴
Maintenance status: Active (5% abandonment risk). Last shipped version was 10 days ago. The risk score combines time-since-last-update with Editor's Choice / curated featuring + user-base maturity adjustments.
When was Affirm last updated?▴
Affirm last shipped a new version on 2026-09-14 — less than a month ago. This is the date Apple / Google last accepted a new build, not a content-only push.
Who makes Affirm?▴
Affirm is published by Affirm, Inc. on the Apple App Store. See the full publisher portfolio (other apps by the same developer) via the More by developer block on the product page above.
What is Affirm's BU Score?▴
Affirm has a BU Score of 90/100 (Transcendent). The score combines App Store rating, ratings count, monetization model and revenue signals calibrated against founder-verified MRR anchors. See the BU Score formula.