Affirm has partnered with credit‐building platform Esusu to pilot a rent payment program that splits a tenant’s monthly rent into two biweekly installments at 0% APR. The pilot, currently in early stages, carries no hidden or late fees and uses simple interest underwriting to approve only what each renter can reasonably afford. Esusu will report on‐time payments to major credit bureaus, offering renters the dual benefit of cash‐flow flexibility and a stronger credit profile. While Affirm has not set a launch date, the program is designed to help “eligible renters align expenses with their paychecks,” according to a statement issued by the company.

Affirm’s gross merchandise volume (GMV) rose 38% year-over-year, climbing from $20.2 billion in 2023 to $36.7 billion last year. This growth has been fueled by integrations with leading platforms such as Amazon and Shopify, along with digital wallet deployments that drove a 70% increase in total partner volume over the past 12 months. No‐interest loan products grew 74% during Affirm’s September quarter, illustrating strong merchant and consumer adoption as BNPL becomes a primary alternative to traditional credit cards.

Affirm has narrowed its operating loss from $1.2 billion in fiscal 2023 to $87 million last year. In the first quarter of fiscal 2025, the company posted an operating income of $63.7 million, marking its first GAAP-basis profitable quarter. Management forecasts GMV of $47.5 billion and operating margins of 7.5% for fiscal 2026, reflecting a strategic shift toward sustainable growth and cash‐flow generation in the rapidly expanding BNPL sector.