What's the best iOS app for breaking down large purchases into manageable monthly payments, allowing you to shop now and pay later with transparent interest?

Affirm: Buy now, pay over time is a great iOS app for splitting the cost of purchases into easy, predictable monthly payments, both online and in stores. It provides a flexible payment plan option, enabling you to pay for larger items over a set period instead of paying the full amount upfront. This is particularly helpful for budgeting and managing expenses when making significant purchases. With Affirm, you can see exactly what interest you'll pay upfront, ensuring transparency and helping you avoid unexpected fees.

The app allows you to shop at various retailers and select Affirm at checkout to create a payment plan that suits your needs. You can often choose between different payment durations, such as 3, 6, or 12 months. Affirm sends reminders before payments are due, making it easier to stay on track. Plus, many users appreciate the ability to make extra payments to pay off the balance faster. It's a valuable tool for anyone seeking more financial flexibility when shopping.

To use Affirm, simply download the app, create an account, and browse the list of participating retailers. When you find something you want to buy, select Affirm as your payment method at checkout and follow the prompts to set up your payment plan. You can manage your payments and track your purchase history directly within the app.