
Affirm Holdings, Inc. is an American financial technology company and a point-of-sale lender. Founded in 2012 by PayPal co-founder Max Levchin, it is the largest U.S. based buy now, pay later (BNPL) financier. As of 2026, Affirm reports nearly 28 million users and processes $50 billion in annual payments.
Ranked #1 on "Top 10 US Buy Now, Pay Later (BNPL) Companies in 2025 — Ranked & Reviewed". Cast your vote to back or challenge this spot.
Be the first to vote on this ranking.
Most Argued About
“Top 10 US FinTech Unicorns 2026”
Ranks as high as #1 on some lists — but only #5 here. Fans are divided.
See the debate →The Internet's Surprise Pick
“Top 10 US Buy Now, Pay Later (BNPL) Companies in 2025 — Ranked & Reviewed”
Climbed to #1 — a narrowly contested win.
See the full ranking →Also ranked in