Our mission moves us forward: Since day one, our mission has been to deliver honest financial products that improve lives. That mission hasn’t changed—and it never will. We started Affirm because credit cards aren’t working. They lure us in with perks, but end up costing a lot: The average U.S. household has $6,000 in credit card debt. With Affirm, customers never owe more than they agree to up front. Instead, they'll always get a flexible, transparent, and convenient way to pay over time.