affirm financial

Founded in 2012 by PayPal co-founder Max Levchin, Affirm Holdings, Inc. is a publicly traded financial technology company headquartered in San Francisco. The company's mission is to deliver honest financial products that improve lives. Its core service is a "buy now, pay later" (BNPL) platform that enables consumers to purchase goods and services at the point of sale and finance them through fixed-payment installment loans. Unlike traditional credit cards, Affirm is designed for transparency, typically with no late fees, hidden charges, or compounding interest. The company partners with a vast network of merchants, from large retailers to small businesses, integrating its payment option both online and in-store. Affirm went public via an IPO in January 2021.