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POS installment loans

1001+ employees
  • Fintech
  • B2C
  • Personal finance
  • Payments
  • SaaS
650 California Street, San Francisco, CA 94108

Company mission

To deliver honest and transparent financial products that improve users' lives.


Top investors

Few candidates hear
back within 2 weeks

-11% employee growth in 12 months

Otta's take

Sam Franklin headshot

Sam Franklin

CEO of Otta

Affirm offers point-of-sale loans to consumers, working with merchants like Shopify, KAYAK, and Walmart. Buy now, pay later transactions have grown in popularity in recent years, and this business is tapping into the market with a totally different approach to credit - by delivering the Affirm card, the first US debit card with the option to pay-over-time.

Boating over 15 million customers and 245,000+ merchants, the company offers flexible payback options, ranging from 3 to 36 months. The interest rates run between 0% and 30%, so, while they are not necessarily the cheapest option, Affirm prides itself on having no fees for late payments, no hidden charges, and total transparency about what people will pay before they take out a loan.

Affirm collects payments from the customers and pays the merchants directly, shouldering the risk itself. The company has boosted its market share, expanding its availability beyond the US to include most of Canada, and continues to launch new features and create new partnerships towards bettering its offering.


  • Spending wallets
  • Supportive communities
  • Remote-first workforce
  • Generous time off
  • Health benefits
  • Mental healthcare
  • Birth and non-birth parents get 18 weeks’ paid leave. Plus, a 4-week return-to-work transition program, at full base pay
  • We have a simple, flexible, and transparent remote-first compensation structure so you can make the best decisions for yourself and your family
  • We offer 24 company-wide paid days off—which help our teams collectively pause to recharge
  • Learning & development

Company values

  • People Come First
  • No Fine Print
  • It's On Us
  • Simpler is Better
  • Push the Envelope

Funding (last 2 of 5 rounds)

Sep 2020



Apr 2019




Total funding

This company has top investors


Has founded/co-founded numerous companies, holding various executive positions at each, including Paypal, Slide, Glow, HVF Labs, and SciFi VC. Also worked at large brands including Google, Yelp, Yahoo, and Evernote.

Jobs (74)

All locations

Software Engineering