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Affirm: company research
Last checked Oct 2, 2026
Affirm is a consumer fintech company offering buy-now-pay-later installment loans at checkout, plus a debit card and savings products. Founded in 2012 by Max Levchin and now the largest US-based BNPL lender, it underwrites every loan itself — so much of the engineering is transaction data, risk scoring and money movement. (from our editorial profile)
Key facts
- Industry
- Consumer lending & payments
- Headquarters
- San Francisco, CA
- Founded
- 2012
- Size
- 2,000+ employees
- Stage
- Public
- Website
- affirm.com
(from our editorial profile)Source: investors.affirm.com
Technology and AI
Affirm operates a next-generation commerce platform through which consumers apply for loans that are underwritten using the company's proprietary risk model. Once approved, the consumer selects their preferred repayment option, and loans are directly originated or funded and issued by Affirm's originating bank partners. Merchants integrate Affirm's frictionless point-of-sale payment solutions to transform the consumer shopping experience and acquire and convert consumers more effectively.
Source: investors.affirm.comRecent moves
On August 27, 2026, Affirm and Shopify launched Shop Pay Installments in Australia. On July 1, 2026, Affirm became available across Bed Bath & Beyond's brands. On June 25, 2026, Affirm announced a new board member, Ryan Schneider, and on June 4, 2026, Affirm and CPP Investments renewed and expanded their capital partnership. On June 2, 2026, Affirm and Stripe teamed up to power flexible UK payments.
Source: investors.affirm.comCompetitors and position
Affirm states that, unlike legacy payment options and its competitors' product offerings, which charge deferred or compounding interest and unexpected costs, it discloses up-front to consumers exactly what they will owe, with no hidden fees, no deferred interest, and no penalties. Affirm positions itself as a simpler, more transparent, and flexible alternative to traditional payment options.
Source: investors.affirm.comLeadership
- Max LevchinChief Executive Officer
In the news
- Affirm reports fourth fiscal quarter 2026 results
investors.affirm.com, 2026-08-27
How this page is made: facts come from the company's own site, Wikidata and a web search, and every section links the page it was read on. Anything without a source is left out rather than guessed. It can still be out of date or wrong, so check anything you would act on.