Top Companies That Use Affirm Are Redefining Retail

An increasing number of businesses worldwide are choosing Affirm to offer their customers flexible and easy-to-understand payment options, making shopping smoother and more accessible. Currently, over 9,500 companies, primarily located in the United States, utilize Affirm, especially in the retail, wellness, and travel sectors.

These businesses are typically small to medium-sized, with teams ranging from 1 to 50 employees and annual revenues between $1 million and $50 million. Many of the companies that use Affirm have partnered with the platform for several years, demonstrating the growing importance of transparent, pay-over-time solutions in enhancing the checkout experience.

In this blog, we will explore some of the key companies that use Affirm and examine how flexible payment options are transforming shopping behavior across various industries.

What Makes Affirm Appealing to Companies?

When companies select a payment provider, they want solutions that enhance customer experience and boost sales. Affirm stands out by offering quick credit decisions, allowing customers to know immediately if they qualify for a pay-over-time plan. This streamlined checkout process helps increase sales, with no hidden fees or late penalties involved.

Affirm’s commitment to ethical lending also builds trust by providing clear payment terms. Compared to traditional credit cards and other buy-now-pay-later services, such as Klarna and Afterpay, companies that use Affirm appreciate its straightforward and reliable choice for both merchants and shoppers.

Feature	Affirm	Traditional Credit Cards	Klarna	Afterpay
Instant Credit Decision	✔️	❌ (usually delayed)	✔️	✔️
No Late Fees	✔️	❌ (late fees apply)	✔️	❌
Transparent Payment Plans	✔️ (clear, upfront terms)	❌ (complex interest rates)	✔️	✔️
Boosts Conversion Rates	✔️	Varies	✔️	✔️

Key Companies Using Affirm Across Different Industries

Numerous prominent companies that use Affirm are leveraging its flexible payment solutions to facilitate purchasing for their customers and enhance sales performance. In the retail sector, major players such as Amazon and Walmart incorporate Affirm to enable shoppers to pay over time for significant purchases. In the fitness industry, Peloton utilizes Affirm to make high-priced equipment more accessible to consumers. Similarly, travel organizations like Expedia offer Affirm to help travelers manage their trip expenses more effectively.

In the home goods market, Casper provides flexible payment options for mattresses and bedding. Additionally, various fashion retailers are targeting budget-conscious younger consumers through the use of Affirm’s payment plans. These examples illustrate the widespread adoption of companies that use Affirm across multiple industries as a means to meet consumer demands and drive business growth.

Leading Companies Using Affirm in 2025

Here are ten major companies using Affirm in 2025, showcasing their websites, latest available annual revenues, and employee sizes. These merchants cover significant retail, home goods, technology, and fitness categories:

Company	Website	Annual Revenue	Company Size (Employees)
Stitch Fix	www.stitchfix.com	$2.0 B	~4,000
World Market	www.worldmarket.com	~$3 B	~15,000
Lowe’s	www.lowes.com	$83.67 B	~270,000
Samsung US	www.samsung.com	~$240 B	~260,000
Verizon	www.verizon.com	$134.79 B	~99,600
Discount Tire	www.discounttire.com	~$7 B	~16,000
Pottery Barn	www.potterybarn.com	~$8.6 B	~19,300
Peloton	www.onepeloton.com	~$2.71 B	~3,000
Macy’s	www.macys.com	$23.01 B	~94,189
The RealReal	www.therealreal.com	~$2 B	~2,000

Why Businesses Prefer Affirm Over Other Payment Options?

Businesses are increasingly opting for Affirm due to its ability to boost their bottom line. Merchants report a 20% to 30% increase in average order value (AOV) when customers use Affirm’s pay-over-time option. This flexibility also helps reduce cart abandonment rates, encouraging more completed purchases.

Additionally, companies that use Affirm benefit from valuable user data, allowing merchants to refine their marketing strategies. For example, one outdoor retailer saw a 28% increase in AOV and a 15% drop in cart abandonment after integrating with Affirm. At the same time, a home goods company noted improved customer satisfaction and repeat purchases linked to its payment plans.

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Business Metrics Before vs. After Affirm Integration

Metric	Before Affirm (%)	After Affirm (%)
Average Order Value	100	130
Cart Abandonment Rate	25	10

Enhancing the Shopper Experience with Affirm

Affirm is revolutionizing the way consumers make payments by providing a modern and trustworthy alternative to traditional credit. By focusing on transparency, flexibility, and clarity, Affirm empowers shoppers to manage their spending without the fear of hidden fees or compounding interest.

Transparent Pricing

Affirm eliminates uncertainty during the checkout process. Shoppers can see the total cost upfront, with no late fees, hidden charges, or unpleasant surprises. This transparent approach fosters immediate trust, helping customers feel confident in their purchasing decisions.

Flexible Payment Schedules

Whether customers choose to split a purchase over several weeks or finance it over several months, companies that use Affirm can offer payment plans that accommodate a range of financial needs. Shoppers can select a plan that aligns with their budget and lifestyle, which encourages more purchases and reduces the likelihood of cart abandonment.

Customer Trust and Loyalty

Affirm’s straightforward, no-gimmicks approach fosters deeper consumer trust. Shoppers who use Affirm are more likely to return to merchants that offer this payment option, resulting in increased long-term customer retention and brand loyalty.

Growing Adoption of Affirm Across Industries

Affirm is extending its reach beyond traditional retail, gaining popularity across various sectors. From software-as-a-service (SaaS) subscriptions to luxury goods and healthcare, innovative companies that use Affirm are integrating it to meet evolving consumer demands for flexible and transparent financing options.

Emerging Categories Embracing Affirm:

SaaS & Subscriptions

Software platforms and subscription-based services are increasingly offering Affirm to streamline sign-ups and enhance long-term customer retention. By breaking down annual fees into manageable payments, these companies make their services more accessible to a wider audience.

Luxury & High-Ticket Retail

High-end fashion, watches, and technology brands are among the companies that use Affirm to attract aspirational buyers who seek flexibility without relying on traditional credit cards. This approach leads to higher average order values and reduced cart abandonment rates.

International DTC Brands

Global direct-to-consumer brands are partnering with Affirm to enter U.S. markets, offering payment plans that align with American consumers’ expectations for “buy now, pay later” (BNPL) options.

Travel & Experiences

Affirm’s expansion into the travel industry allows consumers to book flights, hotels, and vacation packages with flexible payment plans. This makes significant experiences more attainable and encourages customers to spend more on each trip.

Healthcare & Wellness Financing

Affirm is advancing in the healthcare sector by enabling patients to finance elective procedures, dental work, and wellness treatments over time, without the burden of hidden fees or credit checks.

Comparing Affirm with Klarna, Afterpay, and Other Key Players

The Buy Now, Pay Later (BNPL) landscape is becoming increasingly competitive, with major players such as Affirm, Klarna, Afterpay, Sezzle, and Zip vying for market share. Each platform targets distinct market segments and offers different value propositions to both merchants and consumers.

Affirm distinguishes itself through a focus on transparent financing, strong partnerships with larger merchants, and more advanced technology integrations. In contrast, Klarna and Afterpay often attract younger shoppers with their short-term installment models and broader international presence.

Understanding the strengths of each provider can help merchants choose the BNPL partner that best aligns with their customer base and business model.

BNPL Competitive Matrix:

Key Criteria	Affirm	Klarna	Afterpay	Sezzle
Merchant Size Focus	Mid to large enterprises	SMBs to enterprise	SMBs	SMBs
Customer Experience	No late fees, transparent APR	Variety of payment types	Short-term, user-friendly app	Interest-free, flexible plans
Tech Integration	Robust APIs, custom integrations	Wide integrations, plug-ins	Easy plug-and-play	Shopify & eCommerce plugins
Payment Terms	4–36 months, 0–36% APR	4 interest-free payments or longer financing	4 interest-free payments	4–6 installments, 0% APR
Geographic Reach	Primarily US, expanding globally	Strong presence in EU & US	Australia, US, EU	North America-focused

Final Thoughts

As consumer expectations continue to evolve, businesses must adapt by providing convenient, transparent, and flexible payment solutions. Affirm has established itself as a leader in this area. Major retailers, such as Amazon, and wellness brands, like Peloton, are among the thousands of companies that use Affirm across various industries to increase sales, enhance customer satisfaction, and reduce checkout friction.

Affirm’s transparent pricing, flexible terms, and ethical approach to financing appeal to both merchants and shoppers. The platform helps businesses of all sizes achieve significant results by increasing average order value, reducing cart abandonment rates, and facilitating entry into new markets.

With the growing popularity of Buy Now, Pay Later options, companies that use Affirm and focus on customer-centric payment solutions will be well-positioned to thrive in a competitive, experience-driven marketplace.

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Richard Charles

Richard Charles is a seasoned expert in technology-driven marketing, with a focus on crafting data-centric strategies for tech businesses. With a background in sales and business intelligence, Richard specializes in helping companies harness the power of targeted tech users lists to fuel their marketing efforts. His deep understanding of tech markets allows him to provide actionable insights that help businesses connect with the right audience. When he’s not analyzing data, Richard enjoys exploring emerging technologies and how they shape the future of marketing.