Affirm

Affirm is a buy now, pay later (BNPL) company founded in 2012 by Max Levchin, a co-founder of PayPal. It provides installment loans at the point of sale - online, in-store and through digital wallets - with terms disclosed upfront, no late fees, no hidden charges and no compounding interest. The firm is the largest U.S.-based buy now, pay later financier, serving nearly 26 million users and processing $37 billion in annual payments across the United States, Canada and the United Kingdom.

Its core product is a transparent installment loan offered at checkout, alongside integration of Affirm payment options into digital wallets. The company operates within financial services, e-commerce and retail, consumer lending and point-of-sale payments.

Technical work spans machine learning, credit underwriting, fintech and payments technology, and point-of-sale financing. Affirm states an ethical approach to underwriting and a philosophy that "when customers win, Affirm wins".