Affirm is a financial technology company founded by Max Levchin, Nathan Gettings, Jeffrey Kaditz, and Alex Rampell, in San Francisco, California. It was created to offer transparent, consumer-friendly payment alternatives to traditional credit cards. Affirm provides users with point-of-sale financing options, allowing them to make purchases and pay over time with straightforward, clear terms. This innovative service aims to make buying more accessible and manageable, without hidden fees or complex interest calculations.