Affirm Results Presentation Deck

Delinquency Rates Ex-Pay in 4 & Peloton Three Months Ending 30+ Days Delinquent FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 60+ Days Delinquent FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 90+ Days Delinquent FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 affirm September 30 4.0% 3.3% 3.2% 1.4% 2.1% 3.2% 2.3% 1.9% 1.8% 0.8% 1.2% 1.9% 1.1% 0.9% 0.8% 0.4% 0.6% 0.9% December 31 3.8% 3.2% 2.9% 1.3% 2.1%. 2.7% 2.2% 1.8% 1.7% 0.7% 1.2% 1.6% 1.0% 0.9% 0.8% 0.3% 0.6% 0.8% March 31 3.2% 2.7% 2.8% 1.2% 2.7% 1.8% 1.6% 1.6% 0.7% 1.6% 0.9% 0.7% 0.7% 0.3% 0.6% Notes: 1. US loans only, excludes Pay in 4 (formerly known as Split Pay) loan transactions with 0% APR and 6-8 week term lengths and loans made for Peloton purchases 2. Metrics are unaudited June 30 2.9% 2.6% 1.8% 1.3% 2.5% 1.6% 1.5% 1.3% 0.7% 1.4% 0.7% 0.6% 0.6% 0.3% 0.6% 26

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