Affirm Results Presentation Deck

Interest Income and Loans Held for Investment Composition Interest Income Composition Composition of Average Loans Held for Investment ("LHFI") $54 $15 $39 27% FY Q1'21 affirm $74 $22 2. 3. $51 30% FY Q2'21 Notes: 1. $95 $32 $63 33% $117 $104 $38 $32 $72 31% $79 33% $138 $55 $83 40% $135 $45 $89 34% $138 $137 $46 $39 $91 34% $98 Consumer & Other Interest Income ($M) Amortization of Discount ($M) Amortization of Discount as % of Total Interest Income 28% FY Q3'21 FY Q4'21 FY Q1'22 FY Q2'22 FY Q3'22 FY Q4'22 FY Q1'23 $1,224 $306 $918 25% $1,651 $809 49% $842 $2,042 $2,109 $2,134 $1,041 $886 $875 51% $1,001 FY Q1'21 FY Q2'21 FY Q3'21 42% 41% $1,223 $1,259 FY Q4'21 FY Q1'22 $2,335 $957 $2,464 $2,465 $961 $887 41% $1,378 $1.59.3 FY Q2'22 FY Q3'22 Avg. Interest Bearing LHFI Balance Avg. 0% APR LHFI Balance 0% APR Balance % of Avg LHFI $1,577 36% $2,593 $959 $1,633 37% FY Q4'22 FY Q1'23 Amortization of discount is driven by either loan purchases from originating bank partners or the origination of loans with 0% APR or below market interest rates; Consumer & Other Interest Income consists primarily of interest charged to consumers over the term of the consumers' loans based on the principal outstanding 0% APR Loans Held For Investment include all loans that are not interest bearing, including Pay in 4 (formerly known as Split Pay) loans Metrics are unaudited 15

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