Affirm

Quick read

Affirm, a publicly traded BNPL fintech, founded in 2012 and headquartered in San Francisco. It offers point-of-sale installment loans with no hidden fees, no compounding interest, and no late fees, shifting the cost of credit to merchants rather than consumers. With ~3,056 employees as of early 2026, it's increasingly positioning itself around agentic commerce — the idea that AI shopping agents will route purchases through transparent installment products over high-APR credit cards.

Key facts

Founded

2012

Founders

Max Levchin

Employees

3056

Sectors

fintech

Website

affirm.com

Mission

Build honest, transparent financial products that shift the cost of credit from consumers to merchants — offering fixed-payment installment loans with no hidden fees, no compounding interest, and no late fees.

Recent activity

• May 2026product
  Affirm launched a BNPL partnership with Royal Caribbean for UK and Canadian customers, letting them spread cruise costs over time with no compounding interest or late fees. investors.affirm.com
• May 2026investment
  One William Street Capital Management expanded its investment relationship with Affirm, per a Business Wire announcement on May 20, 2026. tracxn.com
• May 2026press
  Affirm hosted an Investor Forum on May 12, 2026, where management presented the company's vision, commercial and product initiatives, and medium-term financial framework. investors.affirm.com
• May 2026press
  Affirm reported Q3 fiscal year 2026 financial results (quarter ended March 31, 2026) on May 7, 2026. investors.affirm.com
• May 2026press
  Banking Dive reported that Affirm's leadership has explicitly rejected using AI as a tool for headcount reduction, instead aiming to grow output while keeping staff — a stance that contrasts with peers cutting roles via automation. bankingdive.com
• Mar 2026press
  CEO Max Levchin gave a wide-ranging recorded interview (March 30, 2026) covering Affirm's growth, AI's effect on fintech, and the $1.3 trillion revolving credit card debt market the company is targeting with its merchant-funded 0% APR model. linkedin.com
• Jun 2026leadership
  CFO Rob O'Hare is scheduled to attend the Evercore TMT Global Conference in San Francisco on June 3, 2026. investors.affirm.com
• Mar 2026product
  Affirm expanded its Stripe partnership to support Shared Payment Tokens for agentic commerce, allowing AI agents to use Affirm at checkout. tracxn.com
• Mar 2026product
  Affirm shared insights on managing rental payments and announced a partnership with Esusu. tracxn.com
• Mar 2026press
  CEO Max Levchin gave a recorded interview covering building Affirm, PayPal lessons, AI's impact on build costs, and the future of fintech credit. linkedin.com
• 2025fundraise
  Affirm secured a long-term capital partnership with Sixth Street, which will purchase up to $4 billion of Affirm's loans over three years — enabling more than $20 billion in total loan originations. emarketer.com

Key people

Named individuals at the firm. We don't expose direct email or phone — use their LinkedIn for outreach.

• Max Levchin · Co-Founder & CEO
  Brief →LinkedIn
• Michael Linford · CFO & COO
• Libor Michalek · President, Technology, Risk & Operations
• Rob O'Hare · former CFO

Sources

• Affirm - 2026 Company Profile, Tracxn
• Affirm | LinkedIn
• Max Levchin - LinkedIn
• Affirm - Crunchbase
• Affirm scores funding partnership to fuel growth
• https://investors.affirm.com/news-events/newsroom
• https://investors.affirm.com/news-releases/news-release-details/affirm-host-investor-forum-may-12-2026
• https://investors.affirm.com/
• https://www.bankingdive.com/news/affirm-no-ai-layoffs-levchin-block-crypto-com-bolt-chime/820152/

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Frequently asked