Affirm Results Presentation Deck

Delinquency Performance: Monthly DQ30+ Notes: 1. affirm) 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 2018 FY 2024 Sep 2019 2020 Dec 2021 2022 Data as of October 2023 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 2023 Mar 2024 FY 2018 FY 2023 FY 2022 FY 2019 FY 2020 FY 2021 24

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