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Affirm Holdings, Inc. is an American technology company that provides financial services for shoppers and merchants. [3] [4] [5] Founded in 2012 by PayPal co-founder Max Levchin, [6] it is the largest U.S. based buy now, pay later lender.
Buy now, pay later services have taken the place of layaway: You get to take home your purchase now and pay for it over time. Affirm is one of the most common buy now, pay later services. But how ...
For example, Affirm has a 0 percent APR option with no credit check that breaks your payoff into four biweekly payments, but its longer-term installment loans rely on a hard inquiry.
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Affirm's gross merchandise value was $7.2 billion last quarter (Q4 of Affirm's fiscal year), a 31% year-over-year increase. BNPL is currently an e-commerce phenomenon, but that's changing.
PayPal Credit, formerly named Bill Me Later (BML), is a proprietary buy now, pay later payment method offered on merchant websites, including those of Wal-Mart, Home Depot, USPS and eBay in the United States. [1]
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