: Reached $1.12 billion in fiscal Q2 2026 (a 30% year-over-year increase).
: 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 buy now pay later
Affirm has transitioned into a "profitable growth" phase, reaching a significant milestone in fiscal Q2 2026 by reporting its first GAAP operating income. : Reached $1
Affirm is a leading "Buy Now, Pay Later" (BNPL) provider that offers consumers the ability to pay for purchases over time through fixed installments. Unlike many traditional credit options, Affirm emphasizes transparent pricing with no late fees or compounding interest. Company Overview & 2026 Financials Affirm is a leading "Buy Now, Pay Later"
: Expanded to 25.8 million consumers, up 23% from the previous year.
Affirm differentiates itself by providing a range of payment terms rather than a single "one-size-fits-all" model.
A major shift occurred in 2025 regarding how Affirm interacts with credit bureaus, impacting borrower credit scores more directly than in previous years. Affirm credit reporting policy