Affirm
Business Profile
Core Value Proposition
Affirm provides buy now, pay later financing that lets shoppers pay over time with flexible plans, without late fees or compound interest.
Target Customer
Individual consumers/shoppers at millions of stores and merchants seeking to offer BNPL options to their customers.
Key Differentiator
No late fees, no hidden fees, and no compound interest; simple interest with 0% APR promotions; flexible payment plans from 4 payments every two weeks to long installments; available in-store and online via the Affirm Card and app; funded upfront to merchants (1–3 business days via ACH).
Implementation Timeline
Not specified in the provided content
Pain Points
- 1Hidden fees or surprise charges with traditional financing
- 2Late fees for missed payments
- 3High upfront costs or friction at checkout for big-ticket purchases
Key Features
- 1Pay over time options including Pay in 4 (four interest-free payments) and longer installments (up to 60 months in some plans)
- 2Affirm Card and Affirm Money accounts for everyday spending
- 3In-app purchasing power checks and payment management
- 4Apple Pay compatibility for in-store, online, or app purchases (iOS 18 / iPadOS 18+ required)
- 5One-time-use virtual card option and broad retailer network with promotions
Target Customer Industries
Decision Makers
- 1Director of Product
- 2Head of Digital
Client Results
- 1Merchants can achieve incremental conversions and higher order values; Priceline cited incremental new customers who wouldn’t have booked without Affirm
- 2Bugaboo reported zero-interest promotions with Affirm reducing checkout friction
- 3Whisker observed incremental conversion and sales gains with Adaptive Checkout
Competitive Advantages
- 1No late fees and no compounding interest
- 20% APR promotions and simple interest options
- 3Fast funding to merchants (funds sent via ACH within 1–3 business days)
- 4Wide retailer and app integration, including in-store and online usage
Key Benefits
Case Studies & Success Stories
Priceline
Incremental new customers booking that wouldn’t have booked without Affirm.
Bugaboo
Zero-interest promotions with Affirm reduce friction at checkout.
Whisker
Adaptive Checkout led to incremental conversion and sales gains.
Additional Product Information
Product Description
Affirm offers buy now, pay later financing and related payment solutions for shoppers and businesses, including the Affirm Card and Affirm Money accounts.
Target Market
Shoppers seeking flexible payment options and merchants seeking to increase conversions and average order value.
Unique Value Proposition
No late fees, no hidden fees, and no compound interest with flexible, transparent payment options; access to 0% APR promotions and a broad merchant network.
Technical Requirements
Affirm features include Apple Pay compatibility (iOS 18 / iPadOS 18+ required), Affirm app usage, in-store/online payments, and a one-time-use virtual card option. The site content notes that the page requires JavaScript enabled for full functionality.
Pricing Model
Payment options include 0% APR Pay in 4; overall rates range from 0%–36% APR based on credit; down payments may be required; lending is provided by partnered lenders.
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