About Affirm
Affirm Holdings, Inc. (NASDAQ: AFRM) is America’s leading Buy Now, Pay Later (BNPL) and consumer financial technology company — headquartered at 650 California Street in San Francisco, California. Founded in 2012 by Max Levchin (co-founder of PayPal), Nathan Gettings, Jeffrey Kaditz, and Alex Rampell, Affirm was built on a radical premise: give consumers transparent, flexible installment payment options with no hidden fees, no compound interest, and no late penalties — a direct challenge to the traditional credit card model. Affirm went public on NASDAQ in January 2021, raising $1.2 billion in one of the most anticipated fintech IPOs of the decade, and has since grown into the dominant U.S. BNPL platform with nearly 480,000 active merchant partners and 25.8 million active consumers including Amazon, Walmart, Shopify, and Apple.
Affirm is delivering exceptional financial results in fiscal year 2026. In Q3 fiscal 2026 (ended March 31, 2026), Affirm reported revenue of $1.039 billion — up 33% year-over-year — and GMV of $11.6 billion, up 35% year-over-year, marking the 10th consecutive quarter of 30%+ GMV growth. Net income reached $103 million, a sharp turnaround from a prior-year loss. For full fiscal year 2026, Affirm projects GMV of $49.3–$49.6 billion and total revenue of $4.175–$4.205 billion
Quick Information
Industry
Fintech — Buy Now, Pay Later (BNPL), Consumer Lending & Payments
Founded
2012, San Francisco, California
NYSE Ticker
AFRM
Founder & CEO
Max Levchin (co-founder of PayPal; CEO since founding)
Number of Active Consumers
25.8 million
Number of Employees
2,900+
Annual Revenue (FY2026 Guidance)
$4.175–$4.205 billion
Website
www.affirm.com
Products & Services
Affirm delivers a comprehensive Buy Now, Pay Later and consumer financial services ecosystem for shoppers and merchants:
- Affirm BNPL Installment Loans — flexible pay-over-time options at checkout (3, 6, 12, 24, and 36 months) with 0% APR promotional and interest-bearing plans; no late fees, no compound interest, no hidden charges; available at 480,000+ merchant partners
- Affirm Card — a debit-linked physical and virtual card enabling BNPL at any in-store or online merchant (not just Affirm partners); 3.7 million active cardholders as of Q2 FY2026; GMV up 159% year-over-year
- Adaptive Checkout — real-time smart checkout widget for merchant partners presenting the optimal payment plan to each consumer based on their profile
- Affirm for Business (Merchant Solutions) — full merchant integration suite including API, Shopify plugin, WooCommerce, BigCommerce, and Stripe; offering split-pay, pay-over-time, and promotional financing at checkout
- Affirm Savings Account — FDIC-insured high-yield savings account offered through Evolve Bank & Trust for Affirm app users
- Affirm App — consumer mobile app for managing loans, tracking payments, browsing Shop With Affirm deals, and managing the Affirm Card
Corporate Phone Numbers
Main Customer Service Number (Toll-Free)
1-855-423-3729 — primary Affirm customer service number for account questions, payment issues, loan disputes, and general support. Available Monday–Friday 7:00 AM to 10:00 PM CT; Saturday–Sunday 7:00 AM to 8:00 PM CT.
Corporate Headquarters Main Line
(415) 960-7714 — Affirm Holdings corporate headquarters main line at 650 California Street, 12th Floor, San Francisco, California. Available Monday–Friday 9:00 AM to 5:00 PM PT.
UK Customer Service
+44 800 014 8879 — dedicated Affirm UK customer service number.
How to Reach a Real Person
Call 1-855-423-3729 (Monday–Friday 7:00 AM–10:00 PM CT; weekends 7:00 AM–8:00 PM CT) to reach a live Affirm customer service agent. When the automated system connects, say “representative” or press 0 to reach a live agent directly. Have your Affirm account email, loan or order ID, and a description of your issue ready before calling.
For written support, email help@affirm.com or use the Help Center at affirm.com/help to submit a support ticket. Affirm also maintains active support via its official social media channels. For privacy-related inquiries, email privacy@affirm.com; for media inquiries, email press@affirm.com.
Headquarters & Corporate Office Address
Affirm Holdings has been headquartered in San Francisco, California since its founding in 2012 — occupying floors 8 through 12 at 650 California Street in the heart of San Francisco’s Financial District, a premier downtown office building with 86,225 square feet of space under an eight-year lease. The campus offers sweeping views of the San Francisco Bay, rooftop amenities, and gym facilities, and is steps from public transit — reflecting Affirm’s culture as a modern, remote-first Silicon Valley financial technology company. As a remote-first employer, Affirm supports employees working anywhere in the U.S. while maintaining physical offices in San Francisco, Chicago, New York City, and Pittsburgh for collaborative work. Internationally, Affirm operates offices in Toronto (Canada), Warsaw (Poland), and maintains a presence in Brazil and Spain.
Affirm Holdings, Inc. — Global Corporate Headquarters
650 California Street, 12th Floor
San Francisco, California 94108
United States
Affirm — Chicago Office
350 N. Orleans Street
Chicago, Illinois 60654
United States
Affirm — New York City Office
500 7th Avenue
New York, New York 10018
United States
Affirm — Pittsburgh Office
30 Isabella Street, Floor 4
Pittsburgh, Pennsylvania 15212
United States
Affirm — Toronto, Canada Office
155 Wellington Street W, Suite 3740
Toronto, Ontario M5V 3H1
Canada
Affirm — Warsaw, Poland Office
Koszykowa 61
Warsaw 00-667
Poland
Affirm — Canada Mailing Address
RPO Yonge Mulock, P.O. Box 93359
Newmarket, Ontario
Canada
For all formal written customer complaints and legal correspondence, write to Affirm Holdings, Inc., 650 California Street, 12th Floor, San Francisco, California 94108, Attn: Customer Relations. Include your full name, Affirm account email, loan or order ID, a detailed description of your complaint, all prior contacts made, and the specific resolution you are requesting.
How to File a Complaint Against Affirm
Call 1-855-423-3729 — main customer service number, Monday–Friday 7:00 AM–10:00 PM CT; weekends 7:00 AM–8:00 PM CT; ask for a case reference number
Email help@affirm.com — include your account email, loan/order ID, and a detailed description of your complaint and desired resolution
Submit a Help Center ticket at affirm.com/help — for billing disputes, unauthorized charges, and loan disagreements
Request supervisor escalation — if the first agent cannot resolve your complaint, ask to speak with a supervisor or the Customer Relations team
Write to corporate headquarters — 650 California Street, 12th Floor, San Francisco, CA 94108, Attn: Customer Relations
File a CFPB complaint at consumerfinance.gov/complaint/ — CFPB actively oversees BNPL lenders and requires Affirm to respond within 15 days
File a BBB complaint at www.bbb.org — typically prompts a formal Affirm customer relations response
Contact your state Attorney General — for consumer protection complaints involving deceptive lending terms or unauthorized charges
