Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 65 companies across 2 categories.
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Founded in 2012 as a point-of-sale installment lending company targeting credit card replacements, Affirm differentiated through transparent pricing (no late fees, no compounding interest). After IPO in 2021, it evolved from a pure BNPL lender into a broader consumer finance platform, launching the Affirm Card (a debit card with embedded pay-over-time at any merchant), Affirm Money (a high-yield savings account), and deeper PSP integrations. By 2025–2026, Affirm repositioned as 'a payment network' rather than a BNPL product, embedding into Shopify, Stripe, Adyen, Worldpay for Platforms, and QuickBooks—effectively becoming an infrastructure layer for pay-over-time across commerce platforms and AI-driven shopping.
Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/affirm/install" width="1" height="1" alt="" style="display:none">65 companies disclose Affirm in their stack in the Embedded Finance Index 2026, including Booking Holdings, Zenoti, Affirms Bnpl, SentiLink, CDK Global, Stride Bank, StockX, Amazon, Reverb, Pinterest and 2 others.
Affirm is an embedded-finance provider in Lending and PSP. It ranks #1 of 259 Lending providers by disclosed buyers.
Affirm has applied for a industrial bank (ilc) charter for Affirm Bank with the FDIC / Nevada FID. Status: application filed (2026-01-23).
Yes. Affirm trades as NASDAQ:AFRM, listed since 2021.
The most-disclosed Lending alternatives to Affirm are klarna (54 buyers), YouLend (45 buyers), Mambu (36 buyers), Stripe Capital (33 buyers), Wisetack (27 buyers) and Liberis (21 buyers).
Affirm was founded by Max Levchin and is founded in 2012, headquartered in San Francisco, CA, USA.
Affirm has raised $1.5B (pre-IPO venture funding) in total.
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