AFFIRM

Credit cards were designed in the 1950s. We thought maybe financial technology should actually use some technology.

We will never charge a late fee. If you can't pay, the last thing you need is a punishment for being broke.

The magic of Affirm is that you know exactly what you're going to pay before you click buy. No surprises. No fine print.

I built PayPal to move money. I built Affirm because how people borrow money is fundamentally unfair.

Every time someone buys something with Affirm instead of a credit card, we've saved them from the compound interest trap.

We underwrite every single transaction. That's expensive and slow. It's also why our default rates are half the industry average.