Affirm Holdings, Inc.

Affirm Holdings, Inc.
Company type	Public
Traded as	Nasdaq: AFRM (Class A); Russell 1000 component;
ISIN	US00827B1061
Industry	Financial services; Financial technology; Buy now, pay later;
Founded	2012
Founders	Max Levchin; Nathan Gettings; Jeffrey Kaditz; Alex Rampell;
Headquarters	San Francisco, California, United States
Area served	United States, Canada, United Kingdom
Key people	Max Levchin (chair, CEO); Libor Michalek (president); Michael Linford (COO); Robert O'Hare (CFO);
Products	List of products Adaptive Checkout; Split Pay; Affirm Card; Affirm Money Account;
Services	Buy now, pay later; Debit card; Savings account;
Revenue	US$2.32 billion (2024)
Operating income	US$−616 million (2024)
Net income	US$−518 million (2024)
Total assets	US$9.52 billion (2024)
Total equity	US$2.73 billion (2024)
Members	22 million users; 358,000 merchants; (2025)
Number of employees	2,006 (2024)
Website	www.affirm.com
	Footnotes / references; Financials as of June 30, 2024.; Members as of March 31, 2025.

Affirm Holdings, Inc. is an American technology company that provides financial services for shoppers and merchants. Founded in 2012 by PayPal co-founder Max Levchin, it is the largest U.S. based buy now, pay later lender. As of 2025, Affirm reports 22 million users, processing $28 billion in payments annually.

Affirm offers unsecured installment loans at the point of sale through various methods. These include payment links at online checkout, payment options at self-checkout kiosks, integration into third-party digital wallets, and virtual or physical cards. The company generates revenue by applying a service fee to sellers, charging interest to borrowers, or both, and does not charge a late fee. Affirm also offers a savings account and a debit card. The lender says its loan underwriting involves evaluating transactions by considering credit scores and other pertinent factors, while also incorporating machine learning. Affirm's services are available in the U.S., Canada and the U.K.