Affirm

About Affirm

Affirm is a financial technology company that provides transparent and flexible payment solutions to consumers and merchants. Operating in the fintech and e-commerce industries, Affirm offers an alternative to traditional credit by allowing customers to pay for purchases in fixed monthly installments without hidden fees or interest charges. Founded in 2012 and headquartered in San Francisco, California, Affirm leverages technology to create a seamless and trustworthy lending experience, catering to the evolving needs of digital-first shoppers and businesses. The company’s main product is its point-of-sale financing platform, which enables consumers to split payments into simple, interest-free installments at checkout. Key features include transparent pricing, no long-term credit agreements, and the ability to track payments in real time through its mobile app. Affirm’s services are integrated with thousands of online and in-store retailers, targeting budget-conscious consumers who prefer predictable payments and merchants seeking to increase sales by reducing checkout friction. Additionally, Affirm provides tools for businesses to manage customer financing and optimize cash flow. Affirm has established itself as a leader in the digital lending space, distinguishing itself through its customer-centric approach and innovative use of technology. The company has secured significant funding, expanded its services internationally, and formed strategic partnerships with major retailers. By prioritizing transparency and user experience, Affirm has built a strong reputation as a trusted alternative to traditional credit, helping both consumers and businesses navigate the complexities of modern commerce.