Affirm Holdings, Inc. is an American public company founded by PayPal co-founder Max Levchin in 2012. It is a fintech company with a buy now, pay later service for online and in-store shopping. Affirm leads the U.S. buy now, pay later sector, reporting over 18 million users and US$20.2 billion annual GMV as of 2023. Affirm offers its consumer lending solutions through various methods, including a payment link at online checkout, a virtual card, or a physical card. The company generates revenue by applying a service fee to merchants, charging interest to consumers, or both. Affirm states that its loan underwriting process involves evaluating transactions by considering credit scores and other pertinent factors, while also incorporating machine learning. Wikipedia