Affirm — Buy Now Pay Later

: Reached $1.12 billion in fiscal Q2 2026 (a 30% year-over-year increase).

Affirm has transitioned into a "profitable growth" phase, reaching a significant milestone in fiscal Q2 2026 by reporting its first GAAP operating income.

: A physical/digital debit card that allows users to pay in full or request to "pay later" for nearly any purchase. Credit Reporting Policy (As of April 2025)

Affirm differentiates itself by providing a range of payment terms rather than a single "one-size-fits-all" model.

: Interest-free loans for smaller purchases ($50–$1,000), typically paid bi-weekly over six weeks.

: Longer-term financing (3 to 60 months) for high-ticket items up to $5,000+, with APRs ranging from 0% to 36% .