The US version of Klarna

Key Data

  • Trading Name: Affirm
  • Legal Entity: Affirm, Inc.
  • Activities: BNPL
  • Location: United States
  • Regulations: regulated
  • Key People: Max Levchin, Nathan Gettings, Jeffrey Kaditz, and Alex Rampell

Affirm was established in 2012 by Max Levchin, Nathan Gettings, Jeffrey Kaditz, and Alex Rampell as part of the initial portfolio of startup studio HVF. Levchin, who co-founded PayPal, became Affirm’s CEO in 2014.

The company has announced a partnership with Walmart in February 2019. Through the partnership, Affirm will be available to customers in-store and on Walmart’s website.

Since its establishment, Affirm has partnered with e-commerce platforms such as Shopify, BigCommerce, and Zen-Cart.


Affirm offers “buy now, pay later” payment plans for online and in-store purchases when you shop at select partners, including Amazon, Walmart, Nordstrom and Best Buy.

Its zero-interest, pay-in-four loan is similar to those offered by other BNPL providers like Afterpay and PayPal. It also has longer monthly payment plans that may charge interest.

Affirm checks your credit with a soft credit pull, which doesn’t hurt your credit score. Though there’s no minimum requirement, Affirm considers your credit score as part of your application.


On January 13, 2021, Affirm launched its initial public offering on NASDAQ. 24,600,000 shares of common stock were issued to the public at a price of US $49.00 per share.


They have a 4.6-star rating with an “Excellent” trust level on Trustpilot. Due to a 1-star rating at the Better Business Bureau.


We included the company in our “Orange Compliance LIght” list.

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United States

Legal Entities

Affirm, Inc.

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