Affirm Holdings, Inc.

About Affirm Holdings, Inc.

Affirm Holdings operates a point-of-sale consumer lending platform that integrates with online and in-store checkout systems. Through its technology, shoppers can split purchases into fixed, transparent installment payments, while merchants gain conversion and larger order values. The company underwrites and services loans in the United States and Canada using alternative credit models and data partnerships with banks, avoiding deferred-interest structures. It earns revenue from merchant fees and interest on loans, and offers a mobile app for consumers to manage repayment schedules and access additional credit lines.