Affirm
Agent37 out of 100, Below median. Agent Readiness. Open the scores section.Agent Readiness: 37/100. Below median. Measured by StartupHub.ai. Median 41.Trust87 out of 100, Top 25%. Data Trust. Open the scores section.Data Trust: 87/100. Top 25%. Measured by StartupHub.ai. Median 61.Buy Now, Pay Later (BNPL) service offering flexible payment options at checkout.
About
Affirm is a financial technology company that provides a 'Buy Now, Pay Later' (BNPL) service. It allows consumers to make purchases and pay for them over time through interest-free installments or with simple interest loans, depending on the merchant and the terms offered. Affirm partners with merchants to integrate its payment solution at the point of sale, aiming to increase conversion rates and average order values.
Listed competitors
While Shopify Capital offers merchant financing, its 'Shop Pay Installments' feature directly competes with Affirm's consumer-facing BNPL solution for merchants using the Shopify platform.
“The attractive part of Shopify Capital is the fixed fee. Our current business credit card APR is ridiculous - around 24 APR%. Due to the…” r/shopify
Klarna is a direct competitor offering similar BNPL services with a focus on a broader range of financial products and services beyond just checkout payments.
Afterpay, now part of Block, Inc., is another major BNPL provider that competes directly with Affirm in offering installment payment solutions to consumers at online and in-store checkouts.
PayPal Credit offers a revolving line of credit for consumers, competing with Affirm's installment payment options, especially for existing PayPal users.
“For context I have six cards: Apple Card, discover it, Amex gold, chase freedom flex, chase Amazon prime visa, and the PayPal card $0…” r/CreditCards
Also in this space
Splitit offers a merchant-branded Installments-as-a-Service platform for Buy Now, Pay Later solutions.
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“I made the order, and choose to pay via Splitit with 0% interest. As far as I can tell, I will need to choose how long the contract gonna…” r/CanyonBikes
Point-of-sale lending and a no-fee credit card for everyday expenses.
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Sezzle is a buy now, pay later (BNPL) platform offering interest-free installment plans for online and in-store purchases.
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Buy Now, Pay Later (BNPL) service offering interest-free installments for online and in-store purchases.
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A platform for companies to launch and automate credit products.
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Bumper provides flexible payment solutions for car repairs and aftersales services, allowing customers to spread costs interest-free.
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Key facts
- Website
- affirm.com
- Headquarters
- San Francisco, United States
- Founded
- 2012
- Employees
- 3,097
- Total funding
- $167M (Series C)
- Business model
- B2B
Funding rounds
Tech stack
Detected on affirm.com, last scanned 8 Nov 2026. Run your own scan
- Auth
- Auth0
- Payments
- Affirm
- CDN
- Cloudflare
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Frequently asked
Is Affirm trustworthy and reputable?
StartupHub's Data Trust & Reputation score for Affirm is 87 out of 100, a trusted rating, based on site security posture, privacy practices, malware and phishing checks, and public reputation signals.
How much funding has Affirm raised?
Affirm has raised a total of $167M in funding. The most recent round on record is Series C.
How many employees does Affirm have?
Affirm has approximately 3,097 people on record.
SEC filings, insider activity, nonprofit links and pay benchmarks for Affirm:
Company details: from public sources. Funding: no announced round on file. Ownership: not yet claimed by the company. Scores: measured by named tools; each links to its method. Our rules
