POS installment loans
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To deliver honest and transparent financial products that improve users' lives.
Chinatown, San Francisco, CA
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. It is creating the Affirm card, which will be the first US debit card with the option to pay-over-time.
With 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 you will pay before you take out a loan.
Affirm collects payments from the customers and pays the merchants directly, shouldering the risk. The company has boosted its market share, expanding its availability beyond the US to include Canada (except for Quebec). Affirm has also launched Revolve, a B2B buy now, pay later option with an embedded bill payment portal.
Last 2 fundraises
This company has top investors
The Affirm Business Model - How Does Affirm Make Money?
Had Founded/Co-Founded numerous companies, holding various executive positions at each, including Paypal, Slide, Glow, HVF Labs, and SciFi VC. They have also worked at large brands including Google, Yelp, Yahoo, and Evernote.
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Affirm is hiring for 52 jobs on Otta!
Operations & Strategy
Finance, Legal & Compliance