An image forming apparatus includes a plurality of image carriers that carries toner images, a belt that is supported by a plurality of rollers including a support roller and an opposing roller, a transfer roller disposed opposed to the opposing roller via the belt, and a bending roller that bends the belt from outside toward inside and is disposed downstream from the opposing roller and upstream from support roller. The belt is stretched between the support roller and the bending roller in a first area. The plurality of image carriers contacts the belt in a second area other than the first area. A surface of the belt in the first area is parallel to that of the belt in the second area.