00827BAB2

Affirm Holdings, Inc.

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A buy-now-pay-later payment network that lets shoppers split purchases into smaller, interest-free or interest-bearing payments at checkout with merchants like Amazon and Walmart. Founded in 2012 by PayPal co-founder Max Levchin, it grew out of his San Francisco innovation lab after he was denied a car loan despite strong finances, inspiring him to build a more transparent alternative to traditional credit. Its Affirm Card and app let users manage payments and shop at thousands of merchants.

Zero-coupon convertible senior unsecured notes maturing November 15, 2026