Affirm Holdings, Inc.
About Affirm Holdings, Inc.
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 (BNPL) provider. The company operates a payment network offering pay-over-time solutions at checkout for consumers and merchants across the United States, Canada, and internationally. It earns revenue through merchant commissions up to 12.5% and interest on loans with APRs ranging from 0% to varying rates, while maintaining diverse funding sources including warehouse facilities, forward flow arrangements, and securitization programs.
Investors
Not disclosed in the source filing. Form D filings do not list investors — StreetZero surfaces them from news where available.
Key highlights
- Founded in 2012 by PayPal co-founder Max Levchin as the largest U.S. BNPL provider.
- Operates payment network with active consumers of 26-28 million and gross merchandise volume exceeding $4650B.
- Maintains diverse funding model through warehouse facilities, forward flow, and securitization programs including partnerships like New York Life.
- Focuses on transparent lending with no late or hidden fees, serving merchants across electronics, fashion, auto, and other sectors.
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Source document & SEC filing
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