Affirm Investor Event Presentation Deck

On vs. off-balance sheet GMV in $ million loans sold and GMV less loans sold $2,257 34% 3FQ'21 AFFIRMI 2023 $2,484 48% $2,713 41% $4,458 56% $3,916 51% 4FQ'21 1FQ'22 2FQ'22 3FQ'22 GMV less loans sold $4,396 34% $4,389 46% $5,658 Loans sold 37% 4FQ'22 1FQ'23 2FQ'23 $4,639 37% 3FQ'23 Drivers ● Funding market conditions ● GMV growth relative to funding capacity additions Note: GMV reflects gross merchandise volume net of refunds and includes volume from Pay Now or down payments on loans; loans are net of down payments and exclude Pay Now volume. Loans sold includes outstanding principal balance at the time of loan sale. Metrics are unaudited. affirm 8

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