Affirm

Affirm, founded in 2012 and trading as NASDAQ: AFRM, is a leading financial technology company offering buy now, pay later (BNPL) services. Headquartered in San Francisco, California, Affirm provides consumers with flexible payment plans for online and in-store purchases, emphasizing transparency and the absence of late fees. Its services include payment links at checkout, integration into digital wallets, and virtual or physical cards, complemented by a savings account and debit card. Operating within the e-commerce industry, Affirm partners with retailers to offer point-of-sale financing.

The company operates across 27 locations and employs between 1,000 and 5,000 individuals, supporting its reach in the United States, Canada, and the United Kingdom. Affirm's loan underwriting process integrates machine learning with credit score evaluations and other critical factors for robust risk assessment. Learn about Affirm's global headquarters for specific location details. Interested parties can also explore Meet Affirm's team to understand the company's leadership and organizational structure.

Affirm generates significant revenue, with reported figures around $3.9B, derived from seller service fees and borrower interest. It competes in the brokerage and finance sectors against firms like LendingTree and SoFi. The company's model focuses on upfront pricing and clear APRs, differentiating it from traditional lending. For comprehensive financial data and performance metrics, users can Explore financial highlights.