Affirm Holdings, Inc. is an American financial technology company and a point-of-sale lender. Founded in 2012 by PayPal co-founder Max Levchin, it is the largest U.S. based buy now, pay later financier. As of 2025, Affirm reports having 23 million users and processing $37 billion in annual payments. Affirm offers unsecured installment loans at the point-of-sale through various methods. These include payment links at online checkout, payment options at self-checkout kiosks, integration into third-party digital wallets, and virtual or physical cards. The company generates revenue by applying a service fee to sellers, charging interest to borrowers, or both, and does not charge a late fee. Affirm also offers a savings account and a debit card. The lender says its loan underwriting involves evaluating transactions by considering credit scores and other pertinent factors, while also incorporating machine learning. Affirm's services are available in the U.S., Canada and the U.K. Wikipedia