Affirm Holdings, Inc.
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- Affirm Holdings, Inc. (NasdaqGS: AFRM) operates as a financial technology company that provides buy now, pay later (BNPL) consumer lending services and banking products primarily through digital platforms. The company offers a range of financing solutions, including point-of-sale installment loans for online and in-store purchases; Affirm Card, a debit card with built-in BNPL functionality; savings accounts and high-yield savings products; and Affirm App for personal loans and payment management. Affirm partners with merchants across e-commerce, retail, travel, and healthcare sectors to integrate its payment options seamlessly at checkout, targeting individual consumers seeking flexible, transparent financing alternatives to credit cards. Founded in 2012 and headquartered in San Francisco, California, Affirm conducts operations across the United States, Canada, and Australia, serving millions of users and thousands of merchant partners. The company leverages proprietary machine learning algorithms for real-time credit risk assessment and fraud prevention, emphasizing no hidden fees, late charges, or compounding interest in its lending model. In recent developments, Affirm expanded its merchant partnerships with major brands such as Amazon, Walmart, and Peloton; launched new offerings including the Affirm Card Pro for businesses and enhanced international BNPL capabilities in Canada; and completed strategic acquisitions like Returnly in 2022 to bolster post-purchase experiences, with ongoing expansions into auto financing and B2B payments as of 2025.
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