Affirm Holdings, Inc. is a fintech company founded in 2012 and based in San Francisco. It specializes in providing transparent financial products that offer alternatives to traditional credit cards. Affirm's core service is its Buy Now, Pay Later (BNPL) platform, which allows consumers to finance purchases with clear terms and no hidden fees. The company uses machine learning to underwrite loans, aiming to approve more borrowers while ensuring they can comfortably repay.

In addition to BNPL, Affirm offers interest-free payment plans, virtual credit cards, and FDIC-insured savings accounts through Cross River Bank. The company partners with various e-commerce platforms, including Shopify and Walmart, to integrate its financing solutions into their sales processes. Affirm emphasizes transparency and consumer-friendly terms, positioning itself as a more honest alternative to traditional credit options. The company is also committed to promoting diversity, equity, and inclusion within its corporate culture.