Affirm Capital Inc. — Investor Relations & Filings

Affirm operates a digital payment network and financial technology platform specializing in Buy Now, Pay Later (BNPL) solutions. The company provides consumers with flexible, transparent financing options for purchases made online and in-store, including installment plans and the Affirm Card. Affirm's core value proposition emphasizes simplicity and honesty, ensuring consumers know the exact total cost upfront, with no late fees, annual fees, or hidden charges. The platform offers point-of-sale payment solutions that allow merchants to drive growth by offering customers the choice to pay over time. Affirm raises capital from banks and insurance firms to fund the consumer loans and generates revenue through merchant commissions and interest earned on financing products.