Affirm Results Presentation Deck

Delinquency Performance: Monthly DQ30+ affirm) Notes: 1. 2. 3. 4.0% 3.0% 2.0% 1.0% -% Jul Delinquencies (DQ) of 30+ days as % of Active Balances Excluding Pay in 4 Loans Sep FY 2023 2018 2021 Data as of October 2022 US loans only, excludes Pay in 4 (formerly known as Split Pay) loan transactions with 0% APR and 6-8 week term lengths Metrics are unaudited 2019 Dec -2020 2022 Mar 2023 FY 2018 FY 2022 FY 2019 Jun FY 2020 FY 2021 23

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