Affirm Results Presentation Deck

Change in Allowance Quarterly Change in Allowance $155 Allowance (June 2022) $62 Beginning of Period Allowance (+) Provision for Loan Losses (-) Charge-offs, Net End of Period Allowance affirm) Provision for Losses Notes: 1. 2. Loans Held for Investment Allowance % of Loans Held for Investment Dollars in millions. Metrics are unaudited $(64) Charge-offs, Net $ $153 $ Allowance September 2022 December 31, 2021 152 50 (43) 158 Last 12 Months Change in Allowance 2,426 6.5 % $ $ $ Allowance (September 2021) Quarter Ending March 31, 2022 $152 158 $ 62 (61) 159 2,503 6.4 % Last 12 Months Change in Allowance $ $ $242 Provision for Losses June 30, 2022 159 68 (72) 155 2,504 6.2 % $ $(241) September 30, 2022 155 $ $ Charge-offs, Net 62 (64) 153 2,682 5.7% $ 12 Months Ending September 30, 2022 152 $ ta $153 Allowance September 2022 242 (241) 153 2,682 5.7% 30

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