Affirm

Affirm Holdings, Inc. is a leading financial technology company based in San Francisco, California, specializing in "buy now, pay later" (BNPL) installment loans. Founded in 2012 by Max Levchin, Affirm allows consumers to split purchases into fixed, transparent payments without late or hidden fees. The company serves nearly 27 million users and processes approximately $37 billion in annual payments. Affirm's offerings include point-of-sale payment options for consumers, such as the Pay in 4 plan and longer-term monthly installments. The Affirm Card enables users to make upfront payments or convert qualifying debit purchases into installment loans. Additionally, the Affirm App provides customized retailer offers and loan management features. For merchants, Affirm offers solutions like Adaptive Checkout and analytics tools to enhance conversion rates and order value. The company partners with over 300,000 merchants, including major retailers like Amazon and Walmart, to provide flexible payment options in various sectors, including e-commerce and retail.