fomo.loans / Can You Buy Crypto with Affirm? Yes, with the Affirm Card
Buy crypto with Affirm
Affirm shut down its own Bitcoin program in 2023. The Affirm Card is a different story, and it works with FOMO's Apple Pay deposits.
Short answer: yes. The Affirm Card is a Visa debit card you can add to Apple Wallet. FOMO accepts Apple Pay, so you can deposit with the Affirm Card and request a pay-over-time plan in the Affirm app, before or right after the purchase.
Affirm Crypto vs the Affirm Card
Two different things get mixed up here. Affirm Crypto was an invite-only program for Affirm Savings customers to buy Bitcoin inside the Affirm app. It was discontinued in early 2023. When people say "Affirm doesn't do crypto anymore," that's what they mean.
The Affirm Card is a Visa debit card issued by Evolve Bank & Trust or Stride Bank. You can use it anywhere Visa is accepted and request to split eligible purchases into biweekly or monthly payments in the Affirm app. Since 2024 it also appears under Pay Later Options in the Apple Pay sheet.
How to buy crypto with the Affirm Card on FOMO
- Download FOMO and sign up with email or Apple ID. Use this link so referral code PAYLATER is applied.
- Get the Affirm Card in the Affirm app. No credit-score impact to apply, no annual or card fees. Your purchasing power is shown in the Card tab.
- Add it to Apple Wallet. In Affirm, open the card and tap Add to Apple Wallet.
- Plan ahead (optional). In the Affirm app, request a payment plan for the amount you're about to deposit. This locks in terms before you pay.
- Deposit on FOMO with Apple Pay. Tap Deposit, choose Apple Pay, select the Affirm Card, confirm with Face ID. Funds land instantly.
- Or request a plan after. If you didn't plan ahead, open Affirm right after the purchase and request a plan for it.
Affirm Card terms for a crypto deposit
| Item | Detail |
|---|---|
| Pay in 4 | 4 equal payments every 2 weeks, 0% interest, no fees |
| Monthly plans | 3–60 months at 0–36% APR; down payment may be required |
| Minimum | Shown in the Card tab of the Affirm app (commonly $50) |
| Late fees | None. Affirm never charges late or hidden fees |
| Credit check | Soft check; no credit-score impact to apply |
| If no plan is approved | The purchase is debited in full from your linked bank in 1–3 days |
What to watch for
- Every purchase is underwritten. Affirm decides plan by plan. Approval isn't guaranteed, especially for a first deposit.
- Linked bank matters. Purchases without an approved plan are pulled from your bank via ACH. Make sure the money is there.
- Plan ahead when you can. Requesting a plan before the deposit means you know the terms before you commit.
FAQ
Can you buy crypto with Affirm?
Yes, with the Affirm Card. It's a Visa debit card you can add to Apple Wallet. FOMO accepts Apple Pay deposits, and you can request a pay-over-time plan for the purchase in the Affirm app, before or right after you deposit.
Can you buy Bitcoin with the Affirm Card?
Yes. Any token on FOMO works the same way, including Bitcoin, Ethereum, Solana and memecoins. Deposit with the Affirm Card via Apple Pay and request a plan in the Affirm app.
Does Affirm still have a crypto program?
No. Affirm Crypto, the in-app Bitcoin program for Affirm Savings customers, was discontinued in early 2023. The Affirm Card route described here is separate and still works.
Does buying crypto with Affirm affect my credit?
Applying for the Affirm Card and checking eligibility for a plan is a soft check with no credit-score impact. Missed payments may be reported.
What happens if Affirm doesn't approve a plan?
The purchase still goes through on FOMO. Affirm debits the full amount from your linked bank account within 1–3 days, like a debit card.
Trade now. Pay later.
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