Affirm Results Presentation Deck

Delinquency Rates Ex-Pay in 4 30+ Days Delinquent FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 60+ Days Delinquent FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 90+ Days Delinquent FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 affirm September 30 3.9% 2.9% 2.5% 0.8% 1.5% 2.7% 2.4% 2.3% 1.6% 1.4% 0.5% 0.9% 1.6% 1.4% 1.0% 0.8% 0.6% 0.2% 0.4% 0.7% 0.7% Three Months Ending December 31 3.8% 2.5% 2.1% 0.8% 1.6% 2.4% 2.2% 1.4% 1.2% 0.4% 0.9% 1.5% 1.0% 0.7% 0.6% 0.2% 0.4% 0.7% 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 2. Metrics are unaudited March 31 2.9% 2.0% 1.9% 0.7% 2.1% 2.3% 1.7% 1.2% 1.1% 0.4% 1.2% 1.4% 0.8% 0.5% 0.5% 0.2% 0.5% 0.6% June 30 2.6% 1.9% 1.1% 0.9% 2.1% 2.1% 1.4% 1.1% 0.8% 0.5% 1.2% 1.2% 0.6% 0.5% 0.4% 0.2% 0.5% 0.5% 26

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