Affirm

Affirm is a financial technology company that allows consumers to pay for purchases over time without the hidden fees and compounding interest of traditional credit cards. Founded by Max Levchin (one of the co-founders of PayPal), Affirm's mission is to build honest financial products. Unlike credit cards that trap users in debt with revolving interest, Affirm shows you exactly how much you will pay upfront—including interest—and never charges a penny more. There are absolutely no late fees, prepayment penalties, or hidden charges. It partners with thousands of retailers like Amazon, Walmart, and Shopify to offer flexible payment plans at checkout.