Affirm is a financial technology company that provides point-of-sale financing and buy now, pay later (BNPL) services. It allows consumers to make purchases and pay for them over time through easy-to-manage installment plans. This service is often integrated into online shopping platforms, enabling customers to choose flexible payment options at checkout. Founded in 2012 by Max Levchin, Affirm aims to improve the shopping experience by offering transparent and straightforward financing solutions. Unlike traditional credit cards, Affirm does not charge late fees or compound interest, making it a popular choice for consumers looking for budget-friendly payment alternatives.