Affirm is a leading payment network that has processed more than $75 billion in transactions over the last five years. The company offers an easy-to-understand, flexible, and transparent alternative to credit cards and other buy now, pay later (BNPL) options, providing the ability to split the total cost of purchases into budget-friendly payments. While nearly one quarter of buy now, pay later users in the UK were charged late fees in 2023, Affirm does not have any late fees or hidden charges. Affirm underwrites every individual transaction before making a real-time credit decision and only approves consumers following an assessment that evidences their ability to repay.