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Affirm

Affirm is a financial technology company offering transparent buy now, pay later installment loans at the point of sale without hidden fees or compounding interest.

Affirm, founded in 2012, operates in the buy now, pay later (BNPL) sector within the financial services and consumer credit industries. The company provides transparent installment loans at the point of sale - online, in-store, or through digital wallets - designed without late fees, hidden charges, or compounding interest, with all terms disclosed upfront. Its service is available to consumers in the United States, Canada, and the United Kingdom.

The company applies machine learning as part of its technical operations. Affirm reports a user base of nearly 26 million and processes approximately $37 billion in annual payments. The firm's approach is built around ethical underwriting practices and a stated goal of enabling consumers to make informed financial decisions.

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