About
Affirm is a US point-of-sale lender run by Affirm Holdings, Inc. Shoppers pick Affirm at checkout or pay through the Affirm app, a one-time virtual card or the Affirm Card, then choose Pay in 4 (four interest-free payments every two weeks) or monthly plans at 0-36% APR set by an eligibility check. Affirm charges no late fees; its loans come from lending partners it lists on its site, and its virtual cards are issued by Cross River Bank, Sutton Bank or Celtic Bank. It has also operated in the UK since November 2024 through FCA-authorised Affirm UK Limited. For its fiscal year to June 2026, Affirm reported $50.2 billion in GMV and 27.8 million active consumers.
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News
Affirm becomes Sam's Club's exclusive pay-over-time provider, online first and in clubs from 2027
Walmart's warehouse club picks Affirm as its sole pay-over-time option, starting on http://SamsClub.com in the coming weeks and moving into physical clubs in 2027.
Affirm and Shopify bring Shop Pay Installments to Australia
Shopify merchants in Australia can now switch on Shop Pay Installments, an underwritten BNPL option with no late fees, marking Affirm's return to the Australian market.
