Hi. Recently, my neighbor who wanted to take out a loan asked me what is a virtual Affirm card? When you are approved for a loan on the Affirm mobile app or on affirm.com, you can upload the loan amount to your virtual Visa card. I read in the https://affirm.pissedconsumer.com/review.html  article that you can only use this loan amount once in the store of your choice, online or in a store. Most merchants who accept Visa cards will accept a virtual Affirm Visa card as a form of payment.