Affirm Holdings, Inc.

Affirm Holdings, Inc. is a financial technology company and a prominent point-of-sale lender, specializing in "Buy Now, Pay Later" (BNPL) services. The company's core mission is "to deliver honest financial products that improve lives," emphasizing transparency, customer well-being, and responsible financial practices. Affirm aims to provide flexible and clear financial solutions, distinguishing itself from traditional credit by offering products with no hidden fees or compounding interest. The company's headquarters are located in San Francisco, California.

Affirm's key offerings include installment loans, which can be interest-bearing or 0% APR, allowing consumers to pay for purchases over time. These options often include bi-weekly "Pay in 4" plans, as well as "Pay in 2" and "Pay in 30" options. The company also provides the Affirm Card, a Visa debit card for flexible payments online and in-store, and integrates its services with platforms like Apple Pay. Affirm serves a broad market, partnering with various merchants ranging from small businesses to large enterprises across diverse industries such as sporting goods, home and lifestyle, travel, electronics, and fashion.

Founded by Max Levchin, who also serves as its CEO, Affirm is recognized as a leading financial technology company and the largest U.S.-based BNPL financier. The company maintains a strong market position through strategic partnerships with major retailers and e-commerce platforms, including Amazon, Apple Pay, Target, and Costco. Affirm has demonstrated robust growth in revenue and Gross Merchandise Volume (GMV). Recent company activities include an upcoming Investor Forum on May 12, 2026, and a promotional event called "The Big Nothing" from May 13-15, 2026, offering thousands of 0% APR options. Analysts, such as Morgan Stanley, have expressed optimism regarding Affirm's upcoming earnings report.