Affirm

"One of the things I will rage against is those fake 0% APR loans." Max Levchin shares the origin story on why 0% will always mean 0% APR at Affirm (and so much more) on the a16z podcast. https://bit.ly/3Tf8QyC

Affirm’s next-generation, transformer-based underwriting model is live at U.S. checkout. For 14 years, each generation of our models has gotten better at reading a person's credit history. This latest model learns patterns within and across credit accounts over time, giving us a clearer view of someone’s credit history. That deeper understanding helps us assess what they can responsibly repay and how we can responsibly approve more eligible consumers. Every purchase still gets its own underwriting decision. Affirm doesn't benefit from extending credit that can't be repaid, so saying yes to more people only works if we also get even better at saying no. Read more: https://lnkd.in/ediiZP4N

🇬🇧 🛒 Affirm is expanding our partnership with Costco Wholesale to the UK. We launched together in the US in 2025, and hundreds of thousands of Costco members have used Affirm since. Going international is a significant moment for the partnership: eligible members shopping at Costco online in the UK now have a flexible, transparent way to pay over time with no late or hidden fees. Read more: https://bit.ly/3TyQeJY

As Affirm's growth goes global, connecting local and industry experts remains core to what we do. Recently, Affirm’s SVP of Product Vishal Kapoor brought together leaders in the UK for a candid discussion with Richard Lim, CEO and Founder of Retail Economics, where they discussed the resiliency of UK retail sales juxtaposed to rising costs and how AI impacts purchasing decisions. As shoppers look for greater flexibility, retailers need partners that can help them respond. That's where Affirm comes in. Learn more about Affirm in the UK: https://lnkd.in/epYuZxkc

“It’s about building products that really help you live a better financial life.” Affirm’s Sr. Director of Engineering, Matt Banach, shares what drew him to Affirm’s mission, how a culture of action and ownership shapes his work, and the value of supporting people eager to grow. Check out the full video below.

🇦🇺 Shop Pay Installments is coming to Australia - powered exclusively by Affirm. Since launching in 2021, millions of shoppers have made billions of dollars in purchases through Shop Pay Installments, making it one of Shopify's most popular payment options across the US, Canada, and the UK. Now, Australians will have the same flexibility to pay over time with no hidden fees, using the Shop Pay button they already know and trust. Read more: https://lnkd.in/eSY3npb6

Affirm closed fiscal Q4 with $14.1B in GMV, up 36% YoY, marking our 11th straight quarter of 30%+ growth. That helped us cross $50B in annual GMV in fiscal 26, while continuing to grow profitably. The story behind that growth is simple: more people are choosing Affirm, they’re using it more often, and they can use it in more places. - 27.8M active consumers, up 21% YoY, with transactions per consumer up 20% to 7 a year. - 5.2M active Affirm Card cardholders, more than double a year ago, with Card GMV up 124%. - 571K active merchants, up 51% YoY, giving people more places to choose Affirm. - We’re expanding that reach internationally too. In the UK, we added Costco, expanded with Royal Caribbean, and rolled out our Stripe integration to reach more merchants and their customers. In Australia, we launched Shop Pay Installments with Shopify. Read the full shareholder letter: https://lnkd.in/etY-ERe9

Salons, spas, med spas, and wellness clinics using Boulevard can now offer Affirm! Eligible clients get more choice and flexibility in how they pay for the beauty and wellness services that matter most to them - with the confidence that comes from transparent terms and no late or hidden fees. Learn more on Boulevard's blog: https://bit.ly/4x1hVcU

Payment options should always be built on trust, clarity, and control. We're proud to partner with J.P. Morgan Payments to bring transparent choices to shoppers and seamless growth to merchants.

Businesses around the world are looking for better ways to serve US shoppers, and payment choice is a big part of that. That's why Affirm is now available on Airwallex. The partnership makes it easy for eligible Airwallex merchants across 35 countries to offer their US customers Affirm's flexible, transparent payment options - with no late or hidden fees. Learn more: https://bit.ly/4x0Tyw4