Affirm Investor Event Presentation Deck

Interest income in $ million and as a % of average loans held for investment $95 19% $104 AFFIRMI 2023 20% 14% $117 22% 15% $138 24% 14% $135 Metrics are unaudited. 22% 3FQ'22 12% 3FQ'21 4FQ'21 1FQ'22 2FQ'22 Consumer interest as % of avg LHFI (annlz'd) Amortization of discount 14% $138 22% 15% $137 21% 15% $155 20% 15% $178 Consumer & other interest income 19% 15% 4FQ'22 1FQ'23 2FQ'23 3FQ'23 Total interest as % of avg LHFI (annlz'd) Drivers ● Average balance of loans held for investment (LHFI) ● LHFI mix between interest-bearing and 0% APR, including Pay in 4 Pricing initiatives affirm 13

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