Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. Founded in 2012 by PayPal co-founder Max Levchin, the company exists to solve a fundamental problem with traditional credit: the traps and predatory practices that keep people trapped in debt cycles. Affirm delivers honest financial products that improve lives by offering transparent, simple installment loans at the point of sale - whether online, in-store, or through digital wallets - with no late fees, no hidden charges, and clear terms upfront.
Today, Affirm is the largest U.S.-based buy now, pay later financier, serving nearly 26 million users and processing $37 billion in annual payments across the United States, Canada, and the United Kingdom. The company’s mission-driven approach combines modern technology with ethical underwriting practices that consider credit scores alongside other relevant factors, using machine learning to assess transactions more holistically. By eliminating late fees and compounding interest while providing flexible payment options, Affirm empowers consumers to make smarter financial decisions and helps merchants drive growth through increased conversion rates and higher order values. When customers win, Affirm wins.