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Affirm is a financial technology company that offers a simple and transparent way for consumers to make purchases and pay over time. The company provides point-of-sale financing solutions for online and in-store retailers, allowing customers to split their purchases into easy monthly payments with clear, upfront pricing. Affirm's platform utilizes modern technology to assess a customer's creditworthiness in real time, providing instant loan decisions and flexible repayment options. With no hidden fees or compounding interest, Affirm aims to make the borrowing process more transparent and consumer-friendly. The company partners with a wide range of merchants, from large retailers to small businesses, to offer their customers an alternative to traditional credit cards and layaway plans. Overall, Affirm seeks to empower consumers to make confident and responsible financial decisions when making purchases.