Affirm is a fintech company providing financial services for shoppers and merchants. It offers buy now, pay later (BNPL) solutions with flexible payment plans, interest-free options, and loans up to $25,000. Services include virtual and physical cards, savings accounts, and adaptive checkout integrations. Affirm targets consumers seeking transparent financing and merchants looking to increase sales. Its unique selling proposition is transparent, no-surprise financing with no late fees, leveraging machine learning for underwriting. This approach aims to simplify financial transactions and improve customer experiences.