Affirm Investor Event Presentation Deck

Loss on loan purchase commitment in $ millions and as a % of GMV from 0% APR products excluding Pay in 4 $62 6.4% 3FQ'21 $51 AFFIRMI 2023 5.4% $52 4.5% $65 3.3% $47 Metrics are unaudited. 5.6% $40 5.7% $36 4.4% $38 7.1% 4FQ'21 1FQ'22 2FQ'22 3FQ'22 4FQ'22 1FQ'23 2FQ'23 3FQ'23 Loss on Loan Purchase Commitment $31 As % of Core 0% APR GMV 4.4% Drivers ● 0% and Low APR loans held on balance sheet originated by partner banks Duration of 0% APR loans originated by partner banks affirm 22

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