AFRM / Affirm Holdings, Inc. - Документы SEC, Годовой отчет, Доверенное заявление

Афирм Холдингс, Инк.
US ˙ NasdaqGS ˙ US00827B1061

Основная статистика
CIK 1820953
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Affirm Holdings, Inc.
SEC Filings (Chronological Order)
На этой странице представлен полный хронологический список документов SEC, за исключением документов о собственности, которые мы предоставляем в других местах.
August 28, 2025 EX-FILING FEES

Table 1: Newly Registered Securities

Calculation of Filing Fee Tables S-8 Affirm Holdings, Inc. Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee 1 Equity Class A Common Stock, par value $0.00001 per share 457(a) 16,255,640 $ 73.36 $ 1,192,513,750.40 0.0001531 $ 182

August 28, 2025 EX-10.1

INDEMNIFICATION AGREEMENT

Exhibit 10.1 INDEMNIFICATION AGREEMENT This INDEMNIFICATION AGREEMENT (this “Agreement”) is made and effective as of [ ], 2025, by and between Affirm Holdings, Inc., a Nevada corporation (the “Company”), and (“Indemnitee”). WHEREAS, it is essential to the Company to retain and attract as directors and officers the most capable persons available; WHEREAS, Indemnitee is a director or officer of the

August 28, 2025 EX-4.1

DESCRIPTION OF CAPITAL STOCK

Exhibit 4.1 DESCRIPTION OF CAPITAL STOCK General The following description summarizes certain important terms of the capital stock of Affirm Holdings, Inc. (the “company,” “we,” “us” and “our”). Because it is only a summary, it does not contain all the information that may be important to you. For a complete description of the matters set forth herein, you should refer to our articles of incorpora

August 28, 2025 S-8

As filed with the Securities and Exchange Commission on August 28, 2025

As filed with the Securities and Exchange Commission on August 28, 2025 Registration No.

August 28, 2025 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended June 30, 2025 ☐ TRANSITION REPORT PURSUANT T

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-39888 Affirm Holdings, I

August 28, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): August 28, 2025 Affirm Holdings, In

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): August 28, 2025 Affirm Holdings, Inc.

August 28, 2025 EX-10.21

AFFIRM HOLDINGS, INC. CASH INCENTIVE PLAN (As amended effective as of July 1, 2025)

Exhibit 10.21 AFFIRM HOLDINGS, INC. CASH INCENTIVE PLAN (As amended effective as of July 1, 2025) 1.Purpose. Affirm Holdings, Inc. (the “Company”) has established this Cash Incentive Plan (the “Plan”) for the purpose of supporting the accomplishment of the Company’s financial and strategic objectives. In doing so, the Plan is designed to: ●Closely align the compensation of Plan participants with t

August 28, 2025 EX-21.1

Subsidiaries of the Registrant

Exhibit 21.1 Subsidiaries of the Registrant Entity Jurisdiction 012345 OldCo UK Ltd United Kingdom Affirm ABS Funding Trust I Delaware Affirm ABS LLC Delaware Affirm ABS II LLC Delaware Affirm Asset Securitization Trust 2021-Z2 Delaware Affirm Asset Securitization Trust 2022-A Delaware Affirm Asset Securitization Trust 2022-Z1 Delaware Affirm Asset Securitization Trust 2023-A Delaware Affirm Asset

August 28, 2025 EX-10.22

AFFIRM HOLDINGS, INC. OFFICER SEVERANCE PLAN (As amended effective as of July 1, 2025)

Exhibit 10.22 AFFIRM HOLDINGS, INC. OFFICER SEVERANCE PLAN (As amended effective as of July 1, 2025) The Affirm Holdings, Inc. Officer Severance Plan is established as of the Effective Date. The purpose of the Plan is to help retain qualified employees, maintain a stable work environment, and provide economic security to certain eligible employees of Affirm Holdings, Inc. and its Affiliates, inclu

August 28, 2025 EX-99.1

Fourth Fiscal Quarter 2025 1 We delivered another tour-de-force quarter of accelerating GMV growth, capping off a banner year: Fellow Affirm Shareholders, 2 Affirm FQ4’25 Shareholder Letter 1 Information about Affirm's use of non-GAAP financial measu

affirmfq425designedshare Fourth Fiscal Quarter 2025 1 We delivered another tour-de-force quarter of accelerating GMV growth, capping off a banner year: Fellow Affirm Shareholders, 2 Affirm FQ4’25 Shareholder Letter 1 Information about Affirm's use of non-GAAP financial measures is provided under “Key Operating Metrics, Non-GAAP Financial Measures and Supplemental Performance Indicators” and “Use of Non-GAAP Financial Measures” below, and reconciliations of GAAP results to non-GAAP results are provided in the tables at the end of this letter.

June 26, 2025 EX-2.1

PLAN OF CONVERSION OF AFFIRM HOLDINGS, INC.

Exhibit 2.1 PLAN OF CONVERSION OF AFFIRM HOLDINGS, INC. This Plan of Conversion (this “Plan of Conversion”) is adopted as of April 24, 2025 to convert Affirm Holdings, Inc., a Delaware corporation (the “Converting Entity”), to a Nevada corporation to be known as “Affirm Holdings, Inc.” (the “Converted Entity”). 1.Converting Entity. The Converting Entity is a corporation organized under the General

June 26, 2025 EX-3.2

BYLAWS AFFIRM HOLDINGS, INC. (a Nevada corporation) TABLE OF CONTENTS Page ARTICLE I CORPORATE OFFICES 4 1.1 Registered Office. 4 1.2 Other Offices. 4 ARTICLE II MEETINGS OF STOCKHOLDERS 4 2.1 Annual Meeting. 4 2.2 Special Meeting. 4 2.3 Notice of St

Exhibit 3.2 BYLAWS OF AFFIRM HOLDINGS, INC. (a Nevada corporation) TABLE OF CONTENTS Page ARTICLE I CORPORATE OFFICES 4 1.1 Registered Office. 4 1.2 Other Offices. 4 ARTICLE II MEETINGS OF STOCKHOLDERS 4 2.1 Annual Meeting. 4 2.2 Special Meeting. 4 2.3 Notice of Stockholders’ Meetings. 4 2.4 Manner of Giving Notice; Affidavit of Notice. 5 2.5 Quorum. 5 2.6 Adjourned Meeting; Notice. 5 2.7 Organiza

June 26, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 25, 2025 Affirm Holdings, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 25, 2025 Affirm Holdings, Inc.

June 26, 2025 EX-3.1

ARTICLES OF INCORPORATION AFFIRM HOLDINGS, INC. ARTICLE I

Exhibit 3.1 ARTICLES OF INCORPORATION OF AFFIRM HOLDINGS, INC. ARTICLE I The name of the Corporation is Affirm Holdings, Inc. (the “Corporation”). The Corporation is the resulting entity in the conversion of Affirm Holdings, Inc., a Delaware corporation (the “Delaware Corporation”), into a Nevada corporation and is a continuation of the existence thereof pursuant to Nevada Revised Statutes (as ame

June 12, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 9, 2025 Affirm Holdings, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 9, 2025 Affirm Holdings, Inc.

May 12, 2025 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant  ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e

May 12, 2025 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant  ☐ Check the appropriate box:  ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(

May 9, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 ☐ TRANSITION REPORT P

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-39888 Affirm Ho

May 9, 2025 EX-10.2

Cash Incentive Plan

Exhibit 10.2 AFFIRM HOLDINGS, INC. CASH INCENTIVE PLAN (As amended effective as of March 12, 2025) 1. Purpose. Affirm Holdings, Inc. (the “Company”) has established this Cash Incentive Plan (the “Plan”) for the purpose of supporting the accomplishment of the Company’s financial and strategic objectives. In doing so, the Plan is designed to: ● Closely align the compensation of Plan participants wit

May 9, 2025 EX-10.3

Officer Severance Plan

Exhibit 10.3 AFFIRM HOLDINGS, INC. OFFICER SEVERANCE PLAN (As amended effective as of March 12, 2025) The Affirm Holdings, Inc. Officer Severance Plan is established as of the Effective Date. The purpose of the Plan is to help retain qualified employees, maintain a stable work environment, and provide economic security to certain eligible employees of Affirm Holdings, Inc. and its Affiliates, incl

May 9, 2025 EX-4.1

Second Replacement Warrant to Purchase Class A Common Stock of Affirm Holdings, Inc., by and between Affirm Holdings, Inc. and Amazon.com Services LLC, dated as of February 1

Exhibit 4.1 Certain identified information in this document has been excluded because it is both (i) not material and (ii) is the type of information that the Company customarily and actually treats as private or confidential. This document has been marked with “[***]” to indicate where omissions have been made. SECOND REPLACEMENT WARRANT TO PURCHASE CLASS A COMMON STOCK THE SECURITIES REPRESENTED

May 9, 2025 EX-10.1

Global Customer Installment Program Agreement, dated February 14, 2025, by and between Shopify Inc. and Affirm, Inc.*

Exhibit 10.1 Certain identified information in this document has been excluded because it is both (i) not material and (ii) is the type of information that the Company customarily and actually treats as private or confidential. This document has been marked with “[***]” to indicate where omissions have been made. GLOBAL CUSTOMER INSTALLMENT PROGRAM AGREEMENT This Global Customer Installment Progra

May 8, 2025 EX-99.1

Third Fiscal Quarter 2025 In FQ3’25 we delivered another strong set of results: Fellow Affirm Shareholders, 2 Affirm FQ3’25 Shareholder Letter 1Information about Affirm's use of non-GAAP financial measures is provided under “Key Operating Metrics, No

Third Fiscal Quarter 2025 In FQ3’25 we delivered another strong set of results: Fellow Affirm Shareholders, 2 Affirm FQ3’25 Shareholder Letter 1Information about Affirm's use of non-GAAP financial measures is provided under “Key Operating Metrics, Non-GAAP Financial Measures and Supplemental Performance Indicators” and “Use of Non-GAAP Financial Measures” below, and reconciliations of GAAP results to non-GAAP results are provided in the tables at the end of this letter.

May 8, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 8, 2025 Affirm Holdings, Inc.

April 25, 2025 PRE 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant  ☐ Check the appropriate box: ☒ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e

March 17, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 17, 2025 Affirm Holdings, Inc

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 17, 2025 Affirm Holdings, Inc.

February 28, 2025 EX-FILING FEES

Filing Fee Table

Calculation of Filing Fee Tables S-3 Affirm Holdings, Inc. Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forward Initial Effective Dat

February 28, 2025 S-3ASR

As filed with the Securities and Exchange Commission on February 28, 2025

As filed with the Securities and Exchange Commission on February 28, 2025 Registration No.

February 28, 2025 EX-FILING FEES

Calculation of Filing Fee Tables

Calculation of Filing Fee Tables S-3 Affirm Holdings, Inc. Narrative Disclosure The maximum aggregate amount of the securities to which the prospectus relates is 22,000,000. The prospectus is a final prospectus for the related offering. (1) Pursuant to Rule 415(a)(6) under the Securities Act of 1933, as amended, the securities registered pursuant to this prospectus supplement only consist of 22,00

February 28, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 28, 2025 Affirm Holdings,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 28, 2025 Affirm Holdings, Inc.

February 28, 2025 424B7

AFFIRM HOLDINGS, INC. 22,000,000 Shares of Class A Common Stock Offered by the Selling Securityholder

PROSPECTUS SUPPLEMENT Filed pursuant to Rule 424(b)(7) (to Prospectus dated February 28, 2025) Registration No.

February 20, 2025 EX-99.1

Affirm and Shopify Take Multi-Year Partnership Global Affirm to continue as exclusive provider of Shop Pay Installments in US, will become exclusive provider in Canada Expanded agreement enables partnership to continue growing to new markets worldwid

Affirm and Shopify Take Multi-Year Partnership Global Affirm to continue as exclusive provider of Shop Pay Installments in US, will become exclusive provider in Canada Expanded agreement enables partnership to continue growing to new markets worldwide, with plans to enter the UK SAN FRANCISCO-(BUSINESS WIRE)-February 20, 2025- Affirm (NASDAQ: AFRM), the payment network that empowers consumers and helps merchants drive growth, and Shopify, a provider of essential internet infrastructure for commerce, today announced an expanded global agreement.

February 20, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 14, 2025 Affirm Holdings,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 14, 2025 Affirm Holdings, Inc.

February 6, 2025 EX-10.2

Amendment 1 to Amended and Restated Customer Installment Program Agreement, dated October 10, 2024, by and between Shopify Inc. and Affirm, Inc.*

Exhibit 10.2 Certain identified information in this document has been excluded because it is both (i) not material and (ii) is the type of information that the Company customarily and actually treats as private or confidential. This document has been marked with “[***]” to indicate where omissions have been made. AMENDMENT 1 TO CUSTOMER INSTALLMENT PROGRAM AGREEMENT This Amendment 1 (“Amendment”)

February 6, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 6, 2025 Affirm Holdings, I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 6, 2025 Affirm Holdings, Inc.

February 6, 2025 EX-10.3

Amendment 2 to Amended and Restated Customer Installment Program Agreement, dated November 12, 2024, by and between Shopify Inc. and Affirm, Inc.*

Exhibit 10.4 Certain identified information in this document has been excluded because it is both (i) not material and (ii) is the type of information that the Company customarily and actually treats as private or confidential. This document has been marked with “[***]” to indicate where omissions have been made. AMENDMENT 2 TO THE A&R CUSTOMER INSTALLMENT PROGRAM AGREEMENT This Amendment 2 (“Amen

February 6, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2024 ☐ TRANSITION REPOR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-39888 Affirm

February 6, 2025 EX-4.3

Warrant to Purchase Class A Common Stock of Affirm Holdings, Inc., by and between Affirm Holdings, Inc. and Amazon.com Services LLC, dated as of

Exhibit 4.3 Certain identified information in this document has been excluded because it is both (i) not material and (ii) is the type of information that the Company customarily and actually treats as private or confidential. This document has been marked with “[***]” to indicate where omissions have been made. REPLACEMENT WARRANT TO PURCHASE CLASS A COMMON STOCK THE SECURITIES REPRESENTED BY THI

February 6, 2025 EX-10.4

Amendment 3 to Amended and Restated Customer Installment Program Agreement, dated December 18, 2024, by and between Shopify Inc. and Affirm, Inc.*

Exhibit 10.4 Certain identified information in this document has been excluded because it is both (i) not material and (ii) is the type of information that the Company customarily and actually treats as private or confidential. This document has been marked with “[***]” to indicate where omissions have been made. AMENDMENT 3 TO THE A&R CUSTOMER INSTALLMENT PROGRAM AGREEMENT This Amendment 3 (“Amen

February 6, 2025 EX-99.1

We exceeded the outlook established in our previous letter on all financial metrics in FQ2’25: Fellow Affirm Shareholders, 2 Affirm FQ2’25 Shareholder Letter 1Information about Affirm's use of non-GAAP financial measures is provided under “Key Operat

afrm-q225shareholderlett We exceeded the outlook established in our previous letter on all financial metrics in FQ2’25: Fellow Affirm Shareholders, 2 Affirm FQ2’25 Shareholder Letter 1Information about Affirm's use of non-GAAP financial measures is provided under “Key Operating Metrics, Non-GAAP Financial Measures and Supplemental Performance Indicators” and “Use of Non-GAAP Financial Measures” below, and reconciliations of GAAP results to non-GAAP results are provided in the tables at the end of this letter.

February 6, 2025 EX-10.5

Fourth Amendment to Amended and Restated Installment Financing Services Agreement, dated as of October 25, 2024, by and between Affirm, Inc., Amazon.com Services LLC and Amazon Payments, Inc.*

Exhibit 10.5 Certain identified information in this document has been excluded because it is both (i) not material and (ii) is the type of information that the Company customarily and actually treats as private or confidential. This document has been marked with “[***]” to indicate where omissions have been made. Fourth Amendment to Amended and Restated Installment Financing Services Agreement Thi

February 6, 2025 EX-10.1

Amendment No. 3 to Revolving Credit Agreement, dated December 16, 2024, between Affirm, Inc., Affirm Holdings, Inc., certain lenders identified therein, and Barclays Bank PLC

Exhibit 10.1 AMENDMENT NO. 3, dated as of December 16, 2024 (this “Amendment”) to the Credit Agreement, dated as of February 4, 2022, among Affirm, Inc., a Delaware corporation (the “Borrower”), Affirm Holdings, Inc., a Delaware corporation, the Lenders party thereto, and Barclays Bank PLC, as Administrative Agent (the “Administrative Agent”) (as heretofore amended, restated, modified and suppleme

December 20, 2024 8-K

Entry into a Material Definitive Agreement, Unregistered Sales of Equity Securities, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): December 20, 2024 Affirm Holdings, Inc.

December 20, 2024 EX-4.1

Indenture, dated December 20, 2024, between the Company and Wilmington Trust, National Association, as trustee.

EXHIBIT 4.1 AFFIRM HOLDINGS, INC. AND WILMINGTON TRUST, NATIONAL ASSOCIATION, as Trustee INDENTURE Dated as of December 20, 2024 0.75% Convertible Senior Notes due 2029 TABLE OF CONTENTS Page ARTICLE 1 Definitions Section 1.01. Definitions 1 Section 1.02. References to Interest 13 ARTICLE 2 Issue, Description, Execution, Registration and Exchange of Notes Section 2.01. Designation and Amount 13 Se

December 18, 2024 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): December 17, 2024 Affirm Holdings, Inc.

December 18, 2024 EX-99.1

Affirm Holdings, Inc. Announces Pricing of Upsized Private Offering of $800 million of 0.75% Convertible Senior Notes due 2029 SAN FRANCISCO – December 17, 2024 – Affirm Holdings, Inc. (Nasdaq: AFRM) (“Affirm” or the “Company”) today announced the pr

Affirm Holdings, Inc. Announces Pricing of Upsized Private Offering of $800 million of 0.75% Convertible Senior Notes due 2029 SAN FRANCISCO – December 17, 2024 – Affirm Holdings, Inc. (Nasdaq: AFRM) (“Affirm” or the “Company”) today announced the pricing of $800 million aggregate principal amount of 0.75% Convertible Senior Notes due 2029 (the “Notes”) in a private offering (the “Offering”). The

December 16, 2024 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): December 16, 2024 Affirm Holdings, Inc.

December 16, 2024 EX-99.1

Affirm Holdings, Inc. Announces Proposed Private Offering of $750 Million of Convertible Senior Notes SAN FRANCISCO – December 16, 2024 –Affirm Holdings, Inc. (Nasdaq: AFRM) (“Affirm” or the “Company”) today announced its intention to offer, subject

Affirm Holdings, Inc. Announces Proposed Private Offering of $750 Million of Convertible Senior Notes SAN FRANCISCO – December 16, 2024 –Affirm Holdings, Inc. (Nasdaq: AFRM) (“Affirm” or the “Company”) today announced its intention to offer, subject to market conditions and other factors, $750 million aggregate principal amount of Convertible Senior Notes due 2029 (the “Notes”) in a private offeri

December 12, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): December 9, 2024 Affirm Holdings, I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): December 9, 2024 Affirm Holdings, Inc.

November 13, 2024 SC 13G/A

AFRM / Affirm Holdings, Inc. / Capital World Investors - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1 )* Affirm Holdings, Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 00827B106 (CUSIP Number) September 30, 2024 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this

November 7, 2024 EX-99.1

Shareholder Letter First Fiscal Quarter 2025 2Affirm FQ1’25 Shareholder Letter Fellow Affirm shareholders: Affirm galloped out of the gates in FQ1’25. We met or exceeded every metric provided in the August outlook: Max Levchin Founder and CEO We cont

Shareholder Letter First Fiscal Quarter 2025 2Affirm FQ1’25 Shareholder Letter Fellow Affirm shareholders: Affirm galloped out of the gates in FQ1’25.

November 7, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 ☐ TRANSITION REPO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-39888 Affir

November 7, 2024 EX-10.1

Amendment to Amended and Restated Installment Financing Services Agreement, dated as of

Exhibit 10.1 Certain identified information in this document has been excluded because it is both (i) not material and (ii) is the type of information that the Company customarily and actually treats as private or confidential. This document has been marked with “[***]” to indicate where omissions have been made. Third Amendment to Amended and Restated Installment Financing Services Agreement This

November 7, 2024 EX-4.1

First Amendment to the Amended and Restated Warrant to Purchase Class A Common Stock of Affirm Holdings, Inc., by and between Affirm Holdings, Inc. and Amazon.com Services LLC, dated as of July 29, 2024

Exhibit 4.1 FIRST AMENDMENT TO THE AMENDED AND RESTATED WARRANT TO PURCHASE CLASS A COMMON STOCK This First Amendment to the Amended and Restated Warrant to Purchase Class A Common Stock (this “Amendment”) is entered into as of July 29, 2024 (the “Amendment Effective Date”), by and between Affirm Holdings, Inc., a Delaware corporation (the “Company”) and Amazon.com Services LLC, a Delaware limited

November 7, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 5, 2024 Affirm Holdings, Inc.

October 29, 2024 SC 13G/A

AFRM / Affirm Holdings, Inc. / GIC Private Ltd - SC 13G/A Passive Investment

SC 13G/A 1 d862918dsc13ga.htm SC 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 4)* Affirm Holdings, Inc. (Name of Issuer) Class A Common Stock, par value $0.00001 per share (Title of Class of Securities) 00827B106 (CUSIP Number) September 30, 2024 (Date of Event Which Requires Filing of this Statement) Check th

October 25, 2024 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant  ☐ Check the appropriate box:  ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(

October 25, 2024 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant  ☐ Check the appropriate box:  ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(

August 28, 2024 EX-19.1

Insider Trading Policy

Exhibit 19.1 Insider Trading Policy Amended and Restated as of July 1, 2024 INTRODUCTION At Affirm, we deliver honest financial products that improve lives. In the course of our work, we may become aware of material nonpublic information (as defined below) regarding Affirm or other companies. It's on us to act in a legally compliant manner when we are aware of material nonpublic information, and t

August 28, 2024 S-8

As filed with the Securities and Exchange Commission on August 28, 2024

As filed with the Securities and Exchange Commission on August 28, 2024 Registration No.

August 28, 2024 EX-FILING FEES

Filing Fee Table

Calculation of Filing Fee Tables S-8 Affirm Holdings, Inc. Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee 1 Equity Class A common stock, par value $0.00001 per share Other 15,552,652 $ 29.16 $ 453,515,332.32 0.0001476 $ 66,938

August 28, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): August 28, 2024 Affirm Holdings, In

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): August 28, 2024 Affirm Holdings, Inc.

August 28, 2024 EX-99.1

2 Shareholder Letter Fourth Fiscal Quarter 2024 Fellow Affirm shareholders: We delivered excellent results in both the fourth fiscal quarter as well as full 2024 fiscal year. Just over two years ago, we set a public goal of achieving profitability on

2 Shareholder Letter Fourth Fiscal Quarter 2024 Fellow Affirm shareholders: We delivered excellent results in both the fourth fiscal quarter as well as full 2024 fiscal year.

August 28, 2024 EX-97.1

Policy for the Recovery of Erroneously Awarded Compensation

Exhibit 97.1 AFFIRM HOLDINGS, INC. POLICY FOR THE RECOVERY OF ERRONEOUSLY AWARDED COMPENSATION 1.Purpose. The purpose of this Policy is to describe the circumstances under which Executive Officers will be required to repay or return Erroneously Awarded Compensation to the Company Group. This Policy is designed to comply with, and shall be interpreted to be consistent with, Section 10D of the Excha

August 28, 2024 EX-21.1

Subsidiaries of the Company

Exhibit 21.1 Subsidiaries of the Registrant Entity Jurisdiction 012345 OldCo UK Ltd United Kingdom Affirm ABS Funding Trust I Delaware Affirm ABS LLC Delaware Affirm Asset Securitization Trust 2021-Z1 Delaware Affirm Asset Securitization Trust 2021-Z2 Delaware Affirm Asset Securitization Trust 2022-X1 Delaware Affirm Asset Securitization Trust 2022-Z1 Delaware Affirm Asset Securitization Trust 202

August 28, 2024 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended June 30, 2024 ☐ TRANSITION REPORT PURSUANT T

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended June 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-39888 Affirm Holdings, I

July 1, 2024 EX-10.1

Amendment No. 2 to Revolving Credit Agreement, dated June 26, 2024, between Affirm, Inc., Affirm Holdings, Inc., certain lenders identified therein, and Barclays Bank PLC.

Exhibit 10.1 AMENDMENT NO. 2, dated as of June 26, 2024 (this “Amendment”) to the Credit Agreement, dated as of February 4, 2022, among Affirm, Inc., a Delaware corporation (the “Borrower”), Affirm Holdings, Inc., a Delaware corporation, the Lenders party thereto, and Barclays Bank PLC, as Administrative Agent (the “Administrative Agent”) (as heretofore amended, restated, modified and supplemented

July 1, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 25, 2024 Affirm Holdings, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 25, 2024 Affirm Holdings, Inc.

June 20, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 17, 2024 Affirm Holdings, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 17, 2024 Affirm Holdings, Inc.

June 11, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 11, 2024 Affirm Holdings, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 11, 2024 Affirm Holdings, Inc.

May 8, 2024 EX-10.1

Second Amendment to Amended and Restated Installment Financing Services Agreement, dated as of February 2, 2024, by and between Affirm, Inc., Amazon.com Services LLC and Amazon Payments, Inc.*

Exhibit 10.1 Certain identified information in this document has been excluded because it is both (i) not material and (ii) is the type of information that the Company customarily and actually treats as private or confidential. This document has been marked with “[***]” to indicate where omissions have been made. Additionally, pursuant to Item 601(a)(5) of Regulation S-K, Exhibits G through K have

May 8, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 8, 2024 Affirm Holdings, Inc. (

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 8, 2024 Affirm Holdings, Inc.

May 8, 2024 EX-10.2

Amended and Restated Customer Installment Program Agreement, dated March 18, 2024, by and between Shopify Inc. and Affirm, Inc.*

Exhibit 10.2 Certain identified information in this document has been excluded because it is both (i) not material and (ii) is the type of information that the Company customarily and actually treats as private or confidential. This document has been marked with “[***]” to indicate where omissions have been made. AMENDED AND RESTATED CUSTOMER INSTALLMENT PROGRAM AGREEMENT This Amended and Restated

May 8, 2024 EX-99.1

T H I R D F I S C A L Q U A R T E R 2 0 2 4 Affirm Shareholder Letter We delivered another set of excellent results in our third fiscal quarter. In the parlance of our times, we slayed. Our mission remains as important to us – and as relevant to our

afrm-q324shareholderlett T H I R D F I S C A L Q U A R T E R 2 0 2 4 Affirm Shareholder Letter We delivered another set of excellent results in our third fiscal quarter.

May 8, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 ☐ TRANSITION REPORT P

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-39888 Affirm Ho

February 13, 2024 SC 13G/A

AFRM / Affirm Holdings, Inc. / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SC 13G/A 1 tv0198-affirmholdingsincclas.htm SCHEDULE 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 2)* Name of issuer: Affirm Holdings, Inc. Class A Title of Class of Securities: Common Stock CUSIP Number: 00827B106 Date of Event Which Requires Filing of this Statement: December 29, 2023 Check the appropriate

February 9, 2024 SC 13G/A

AFRM / Affirm Holdings, Inc. / Capital Research Global Investors - SEC SCHEDULE 13G Passive Investment

SC 13G/A 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 3 )* Affirm Holdings, Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 00827B106 (CUSIP Number) December 29, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box

February 9, 2024 SC 13G

AFRM / Affirm Holdings, Inc. / Capital World Investors - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Affirm Holdings, Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 00827B106 (CUSIP Number) December 29, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Sc

February 8, 2024 EX-10.2

Amendment No. 1 to Marketing and Servicing Agreement, dated as of October 27, 2023, by and between Celtic Bank Corporation and Affirm, Inc.

Exhibit 10.2 Amendment No. 1 to Marketing and Servicing Agreement This Amendment No. 1 to Marketing and Servicing Agreement (this “Amendment”) is entered into as of October 27, 2023 by and between Affirm, Inc., a Delaware corporation (“Affirm”) and Celtic Bank Corporation, a Utah chartered bank (“Bank”). Recitals: Whereas, Affirm and Bank have entered into that certain Marketing and Servicing Agre

February 8, 2024 EX-10.1

Amendment No. 1 to Loan Sale Agreement, dated as of October 27, 2023, by and between Celtic Bank Corporation and Affirm, Inc.

Exhibit 10.1 Amendment No. 1 to Loan Sale Agreement This Amendment No. 1 to Loan Sale Agreement (this “Amendment”) is entered into as of October 27, 2023 by and between Affirm, Inc., a Delaware corporation (“Affirm”) and Celtic Bank Corporation, a Utah chartered bank (“Bank”). Recitals: Whereas, Affirm and Bank have entered into that certain Marketing and Servicing Agreement, dated as of September

February 8, 2024 EX-4.1

Amended and Restated Warrant to Purchase Class A Common Stock of Affirm Holdings, Inc., by and between Affirm Holdings, Inc. and Amazon.com Services LLC, dated as of October 27, 2023*

Exhibit 4.1 Certain identified information in this document has been excluded because it is both (i) not material and (ii) is the type of information that Affirm Holdings, Inc. customarily and actually treats as private or confidential. This document has been marked with “[***]” to indicate where omissions have been made. AMENDED AND RESTATED WARRANT TO PURCHASE CLASS A COMMON STOCK THE SECURITIES

February 8, 2024 EX-99

S E C O N D F I S C A L Q U A R T E R 2 0 2 4 Affirm Shareholder Letter We delivered another set of outstanding results in FQ2’24: ● GMV grew 32% year over year to $7.5 billion, accelerating for the third consecutive quarter, ● Revenue grew 48% year

S E C O N D F I S C A L Q U A R T E R 2 0 2 4 Affirm Shareholder Letter We delivered another set of outstanding results in FQ2’24: ● GMV grew 32% year over year to $7.

February 8, 2024 SC 13G/A

AFRM / Affirm Holdings, Inc. / GIC Private Ltd - SC 13G/A Passive Investment

SC 13G/A 1 d779778dsc13ga.htm SC 13G/A Page 1 of 8 CUSIP 00827B106 SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 3)* Affirm Holdings, Inc. (Name of Issuer) Class A Common Stock, par value $0.00001 per share (Title of Class of Securities) 00827B106 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing

February 8, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2023 ☐ TRANSITION REPOR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-39888 Affirm

February 8, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 8, 2024 Affirm Holdings, I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 8, 2024 Affirm Holdings, Inc.

December 8, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): December 4, 2023 Affirm Holdings, I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): December 4, 2023 Affirm Holdings, Inc.

November 8, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 8, 2023 Affirm Holdings, Inc.

November 8, 2023 EX-99.1

Shareholder Letter F I R S T F I S C A L Q U A R T E R 2 0 2 4 AFFIRM FQ1’24 HIGHLIGHTS Max Levchin FOUNDER AND CEO 2 1 Information about Affirm's use of non-GAAP financial measures is provided under "Key Operating Metrics, Non-GAAP Financial Measure

afrm-q124shareholderlett Shareholder Letter F I R S T F I S C A L Q U A R T E R 2 0 2 4 AFFIRM FQ1’24 HIGHLIGHTS Max Levchin FOUNDER AND CEO 2 1 Information about Affirm's use of non-GAAP financial measures is provided under "Key Operating Metrics, Non-GAAP Financial Measures and Supplemental Performance Indicators" and "Use of Non-GAAP Financial Measures" below, and reconciliations of GAAP results to non-GAAP results are provided in the tables at the end of this letter.

November 8, 2023 EX-10.1

Amendment No. 6 to Customer Installment Program Agreement, dated as of August 14, 2023, by and between Shopify Inc. and Affirm, Inc.

Exhibit 10.1 Certain identified information in this document has been excluded because it is both (i) not material and (ii) is the type of information that the Company customarily and actually treats as private or confidential. This document has been marked with “[***]” to indicate where omissions have been made. AMENDMENT NO. 6 TO CUSTOMER INSTALLMENT PROGRAM AGREEMENT This AMENDMENT NO. 6 to CUS

November 8, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 ☐ TRANSITION REPO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-39888 Affir

November 8, 2023 EX-10.2

First Amendment to Amended and Restated Installment Financing Services Agreement, dated as of October 2, 2023, by and between Affirm, Inc., Amazon.com Services LLC and Amazon Payments, Inc.

Exhibit 10.2 Certain identified information in this document has been excluded because it is both (i) not material and (ii) is the type of information that the Company customarily and actually treats as private or confidential. This document has been marked with “[***]” to indicate where omissions have been made. Additionally, pursuant to Item 601(a)(5) of Regulation S-K, Exhibits B through F have

October 20, 2023 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 17, 2023 Affirm Holdings, Inc.

October 20, 2023 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant  ☐ Check the appropriate box:  ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(

October 20, 2023 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant  ☐ Check the appropriate box:  ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(

October 20, 2023 EX-3.1

Amended and Restated Bylaws

Exhibit 3.1 AMENDED AND RESTATED BYLAWS OF AFFIRM HOLDINGS, INC. TABLE OF CONTENTS Page ARTICLE I CORPORATE OFFICES 1 1.1 Registered Office. 1 1.2 Other Offices. 1 ARTICLE II MEETINGS OF STOCKHOLDERS 1 2.1 Annual Meeting. 1 2.2 Special Meeting. 1 2.3 Notice Of Stockholders’ Meetings. 2 2.4 Manner Of Giving Notice; Affidavit Of Notice. 2 2.5 Quorum. 2 2.6 Adjourned Meeting; Notice. 3 2.7 Organizati

August 25, 2023 EX-21.1

Subsidiaries of the Company

Exhibit 21.1 Subsidiaries of the Registrant Entity Jurisdiction Affirm ABS Funding Trust I Delaware Affirm ABS LLC Delaware Affirm Asset Securitization Trust 2020-A Delaware Affirm Asset Securitization Trust 2020-Z1 Delaware Affirm Asset Securitization Trust 2020-Z2 Delaware Affirm Asset Securitization Trust 2021-B Delaware Affirm Asset Securitization Trust 2021-Z1 Delaware Affirm Asset Securitiza

August 25, 2023 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended June 30, 2023 ☐ TRANSITION REPORT PURSUANT T

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-39888 Affirm Holdings, I

August 25, 2023 S-8

As filed with the Securities and Exchange Commission on August 25, 2023

As filed with the Securities and Exchange Commission on August 25, 2023 Registration No.

August 25, 2023 EX-10.5

Marketing and Servicing Agreement, dated as of September 18, 2020, by and between Celtic Bank Corporation and Affirm, Inc.*

Exhibit 10.5 Certain identified information in this document has been excluded because it is both (i) not material and (ii) is the type of information that the Company customarily and actually treats as private or confidential. This document has been marked with “[***]” to indicate where omissions have been made. MARKETING AND SERVICING AGREEMENT by and between CELTIC BANK CORPORATION and AFFIRM,

August 25, 2023 EX-FILING FEES

Filing Fee Table

Exhibit 107.1 Calculation of Filing Fee Tables Form S-8 (Form Type) AFFIRM HOLDINGS, INC. (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered(1) Proposed Maximum Offering Price Per Share Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Equity Class A common stock, p

August 25, 2023 EX-4.1

Description of Capital Stock

Exhibit 4.1 DESCRIPTION OF CAPITAL STOCK General The following description summarizes certain important terms of the capital stock of Affirm Holdings, Inc. (the “company,” “we,” “us” and “our”). Because it is only a summary, it does not contain all the information that may be important to you. For a complete description of the matters set forth herein, you should refer to our amended and restated

August 25, 2023 EX-10.4

Loan Sale Agreement, dated as of September 18, 2020, by and between Celtic Bank Corporation and Affirm, Inc.*

Exhibit 10.4 Certain identified information in this document has been excluded because it is both (i) not material and (ii) is the type of information that the Company customarily and actually treats as private or confidential. This document has been marked with “[***]” to indicate where omissions have been made. LOAN SALE AGREEMENT by and between CELTIC BANK CORPORATION and AFFIRM, INC. DATED AS

August 24, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): August 24, 2023 Affirm Holdings, In

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): August 24, 2023 Affirm Holdings, Inc.

August 24, 2023 EX-99.1

Affirm Shareholder Letter FOURTH FISCAL QUARTER 2023 Hollywood Star Lanes 2Affirm | FQ4’23 Shareholder Letter Max Levchin FOUNDER AND CEO In brief: ● We completed our fourth fiscal quarter and exceeded our outlook across all key metrics. ● Sequential

afrm-fq423shareholderlet Affirm Shareholder Letter FOURTH FISCAL QUARTER 2023 Hollywood Star Lanes 2Affirm | FQ4’23 Shareholder Letter Max Levchin FOUNDER AND CEO In brief: ● We completed our fourth fiscal quarter and exceeded our outlook across all key metrics.

June 8, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 7, 2023 Affirm Holdings, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 7, 2023 Affirm Holdings, Inc.

May 9, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 ☐ TRANSITION REPORT P

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-39888 Affirm Hol

May 9, 2023 EX-99.1

Affirm Shareholder Letter THIRD FISCAL QUARTER 2023 We had an excellent quarter: ● Gross Merchandise Volume was $4.6 billion (vs. $4.4-$4.5 billion outlook), ● Revenue was $381 million (vs. $360-$380 million outlook), ● Revenue Less Transaction Costs

afrm-fq323shareholderlet Affirm Shareholder Letter THIRD FISCAL QUARTER 2023 We had an excellent quarter: ● Gross Merchandise Volume was $4.

May 9, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 9, 2023 Affirm Holdings, Inc.

May 9, 2023 EX-10.1

Amendment No. 5 to Customer Installment Program Agreement, dated as of March 31, 2023, by and between Shopify Inc. and Affirm, Inc.

Exhibit 10.1 Certain identified information in this document has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed, and has been marked with “[***]” to indicate where omissions have been made. AMENDMENT NO. 5 TO CUSTOMER INSTALLMENT PROGRAM AGREEMENT This AMENDMENT NO. 5 to CUSTOMER INSTALLMENT PROGRAM AGREEMENT (this “Amendment”) is en

March 7, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 6, 2023 Affirm Holdings, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 6, 2023 Affirm Holdings, Inc.

February 15, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 14, 2023 Affirm Holdings,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 14, 2023 Affirm Holdings, Inc.

February 13, 2023 SC 13G/A

AFRM / Affirm Holdings, Inc. Class A / Capital Research Global Investors - SEC SCHEDULE 13G Passive Investment

SC 13G/A 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2 )* Affirm Holdings, Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 00827B106 (CUSIP Number) December 30, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box

February 10, 2023 SC 13G/A

AFRM / Affirm Holdings, Inc. Class A / GIC Private Ltd - SC 13G/A Passive Investment

SC 13G/A 1 d411198dsc13ga.htm SC 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2)* Affirm Holdings, Inc. (Name of Issuer) Class A Common Stock, par value $0.00001 per share (Title of Class of Securities) 00827B106 (CUSIP Number) December 31, 2022 (Date of Event Which Requires Filing of this Statement) Check the

February 9, 2023 SC 13G/A

AFRM / Affirm Holdings, Inc. Class A / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 1)* Name of issuer: Affirm Holdings Inc. Title of Class of Securities: Common Stock CUSIP Number: 00827B106 Date of Event Which Requires Filing of this Statement: December 30, 2022 Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

February 8, 2023 EX-99.1

Affirm Shareholder Letter Second Fiscal Quarter 2023 Affirm is an audacious idea, always has been. There is no well-traveled road to redefining the future of consumer finance, we are paving one. A convenient outcome for some would be for Affirm to fa

shareholderletterdatedfe Affirm Shareholder Letter Second Fiscal Quarter 2023 Affirm is an audacious idea, always has been.

February 8, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 8, 2023 Affirm Holdings, I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 8, 2023 Affirm Holdings, Inc.

February 8, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2022 ☐ TRANSITION REPOR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-39888 Affirm

February 8, 2023 EX-10.1

effective as of October 28, 2022, pursuant to the Customer Installment Program A

Exhibit 10.1 Certain identified information in this document has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed, and has been marked with “[***]” to indicate where omissions have been made. THIRD PROGRAM OUTLINE POS Product This Third Program Outline entered into and effective on October 28, 2022 (the “Third Program Effective Date”),

February 8, 2023 EX-10.2

Amendment No. 4 to Customer Installment Program Agreement, dated as of December 16, 2022, by and between Shopify Inc. and Affirm, Inc.*

Exhibit 10.2 Certain identified information in this document has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed, and has been marked with “[***]” to indicate where omissions have been made. AMENDMENT NO. 4 TO CUSTOMER INSTALLMENT PROGRAM AGREEMENT This AMENDMENT NO. 4 TO CUSTOMER INSTALLMENT PROGRAM AGREEMENT (this “Amendment”) is en

February 8, 2023 EX-10.3

Amended and Restated 2012 Stock Plan

Exhibit 10.3 AFFIRM HOLDINGS, INC. AMENDED AND RESTATED 2012 STOCK PLAN (Adopted by the Board on November 18, 2020; Approved by the stockholders of the Company on December 15, 2020; IPO Date on January 12, 2021; Amended May 7, 2021; Amended October 21, 2022) 1.Purposes of the Plan. The purposes of this Amended and Restated 2012 Stock Plan are to attract and retain the best available personnel for

December 9, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): December 5, 2022 Affirm Holdings, Inc.

November 8, 2022 EX-10.1

Amendment No. 1 to Revolving Credit Agreement, dated August 15, 2022, between Affirm, Inc., Affirm Holdings, Inc., certain lenders identified therein, and Barclays Bank PLC

Exhibit 10.1 AMENDMENT NO. 1, dated as of August 15, 2022 (this “Amendment”) to the Credit Agreement, dated as of February 4, 2022, among Affirm, Inc., a Delaware corporation (the “Borrower”), Affirm Holdings, Inc., a Delaware corporation, the Lenders party thereto, and Barclays Bank PLC, as Administrative Agent (the “Administrative Agent”) (as heretofore amended, restated, modified and supplement

November 8, 2022 EX-99.1

Affirm Shareholder Letter First Fiscal Quarter 2023 Global Formatting Notes from JG: ● “FQ1’23”, not “Q1’23” ● “FY’23”, not “FY23” ● Total Revenues, not “total revenues” ● Don’t use “RLTC Margin” ever ● Proxima Nova 10 ● 1.5 Spaced ● 8 Spacing After

fq123shareholderletter-d Affirm Shareholder Letter First Fiscal Quarter 2023 Global Formatting Notes from JG: ● “FQ1’23”, not “Q1’23” ● “FY’23”, not “FY23” ● Total Revenues, not “total revenues” ● Don’t use “RLTC Margin” ever ● Proxima Nova 10 ● 1.

November 8, 2022 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 8, 2022 Affirm Holdings, I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 8, 2022 Affirm Holdings, Inc.

November 8, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 ☐ TRANSITION REPO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-39888 Affirm

October 21, 2022 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant  ☐ Check the appropriate box:  ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(

October 21, 2022 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ? Filed by a Party other than the Registrant ?? Check the appropriate box: ?? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(

September 22, 2022 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): September 16, 2022 Affirm Holdings, Inc.

September 22, 2022 EX-3.1

Amended and Restated Bylaws

Exhibit 3.1 AMENDED AND RESTATED BYLAWS OF AFFIRM HOLDINGS, INC. TABLE OF CONTENTS Page ARTICLE I CORPORATE OFFICES 1 1.1 Registered Office. 1 1.2 Other Offices. 1 ARTICLE II MEETINGS OF STOCKHOLDERS 1 2.1 Annual Meeting. 1 2.2 Special Meeting. 1 2.3 Notice Of Stockholders? Meetings. 2 2.4 Manner Of Giving Notice; Affidavit Of Notice. 2 2.5 Quorum. 2 2.6 Adjourned Meeting; Notice. 3 2.7 Organizati

August 29, 2022 EX-10.1

2022, by and between the Company and Silvija Martincevic

Exhibit 10.1 TRANSITION AGREEMENT AND RELEASE This Transition Agreement and Release (?Agreement?) is made by and between Silvija Martincevic (?Employee?) and Affirm, Inc. (the ?Company?) (collectively referred to as the ?Parties? or individually referred to as a ?Party?). RECITALS WHEREAS, Employee is employed by the Company; WHEREAS, Employee signed an offer letter with the Company on March 12, 2

August 29, 2022 EX-FILING FEES

Filing Fee Table

EX-FILING FEES Calculation of Filing Fee Tables Form S-8 (Form Type) AFFIRM HOLDINGS, INC.

August 29, 2022 EX-21.1

Subsidiaries of the Company

Exhibit 21.1 Subsidiaries of the Registrant Entity Jurisdiction Affirm ABS Funding Trust I Delaware Affirm ABS LLC Delaware Affirm Asset Securitization Trust 2020-A Delaware Affirm Asset Securitization Trust 2020-Z1 Delaware Affirm Asset Securitization Trust 2020-Z2 Delaware Affirm Asset Securitization Trust 2021-A Delaware Affirm Asset Securitization Trust 2021-B Delaware Affirm Asset Securitizat

August 29, 2022 EX-10.17

Officer Severance Plan

Exhibit 10.17 AFFIRM HOLDINGS, INC. OFFICER SEVERANCE PLAN The Affirm Holdings, Inc. Officer Severance Plan is established as of the Effective Date. The purpose of the Plan is to help retain qualified employees, maintain a stable work environment, and provide economic security to certain eligible employees of Affirm Holdings, Inc., including in the event of an actual or threatened Change in Contro

August 29, 2022 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended June 30, 2022 ☐ TRANSITION REPORT PURSUANT T

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended June 30, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-39888 Affirm Holdings, In

August 29, 2022 S-8

As filed with the Securities and Exchange Commission on August 29, 2022

As filed with the Securities and Exchange Commission on August 29, 2022 Registration No.

August 29, 2022 EX-10.9

Amendment No. 3 to Customer Installment Program Agreement, dated as of May 6, 2022, by and between Shopify Inc. and Affirm, Inc.*

Exhibit 10.9 Certain identified information in this document has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed, and has been marked with ?[***]? to indicate where omissions have been made. AMENDMENT NO. 3 TO CUSTOMER INSTALLMENT PROGRAM AGREEMENT This AMENDMENT NO. 3 TO CUSTOMER INSTALLMENT PROGRAM AGREEMENT (this ?Amendment?) is en

August 25, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): August 23, 2022 Affirm Holdings, Inc.

August 25, 2022 EX-99.1

Affirm Reports Fourth Quarter and Fiscal Year 2022 Results Active Merchants Increase from 29,000 to 235,000 and Active Consumers Grow 96% Year over Year Gross Merchandise Volume (GMV) Increases 77% and Total Revenue Grows by 39% Year over Year for th

Affirm Reports Fourth Quarter and Fiscal Year 2022 Results Active Merchants Increase from 29,000 to 235,000 and Active Consumers Grow 96% Year over Year Gross Merchandise Volume (GMV) Increases 77% and Total Revenue Grows by 39% Year over Year for the Quarter SAN FRANCISCO ? August 25, 2022 ? Affirm Holdings, Inc.

June 6, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 31, 2022 Affirm Holdings, Inc.

May 13, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 ☐ TRANSITION REPORT P

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-39888 Affirm Hol

May 12, 2022 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 12, 2022 Affirm Holdings, Inc.

May 12, 2022 EX-99.1

Affirm Reports Fiscal Year 2022 Third Quarter Results Exceeds Third Quarter Financial Outlook and Raises Outlook for Fiscal Year 2022 Network Continues to Rapidly Scale with Active Merchants Increasing from 12,000 to 207,000 and Active Consumers Grow

Affirm Reports Fiscal Year 2022 Third Quarter Results Exceeds Third Quarter Financial Outlook and Raises Outlook for Fiscal Year 2022 Network Continues to Rapidly Scale with Active Merchants Increasing from 12,000 to 207,000 and Active Consumers Growing by 137% Year over Year to 12.

May 3, 2022 SC 13G/A

AFRM / Affirm Holdings, Inc. Class A / GIC Private Ltd - SC 13G/A Passive Investment

SC 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 1)* Affirm Holdings, Inc. (Name of Issuer) Class A Common Stock, par value $0.00001 per share (Title of Class of Securities) 00827B106 (CUSIP Number) April 25, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate t

March 14, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 14, 2022 Affirm Holdings, Inc.

March 14, 2022 EX-99.1

Affirm Provides Business Performance Update Raises Third Quarter Financial Outlook Based on Strong Quarter-to-Date Performance

Affirm Provides Business Performance Update Raises Third Quarter Financial Outlook Based on Strong Quarter-to-Date Performance SAN FRANCISCO ? March 14, 2022 ? Affirm Holdings, Inc.

March 10, 2022 SC 13G/A

AFRM / Affirm Holdings, Inc. Class A / Capital Research Global Investors - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1 )* Affirm Holdings, Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 00827B106 (CUSIP Number) February 28, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this

March 3, 2022 EX-FILING FEES

Calculation of Filing Fee Tables 424(b)(7) (Form Type) AFFIRM HOLDINGS, INC. (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities

EX-FILING FEES Calculation of Filing Fee Tables 424(b)(7) (Form Type) AFFIRM HOLDINGS, INC.

March 3, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 3, 2022 Affirm Holdings, Inc.

March 3, 2022 EX-4.3

Form of Indenture

Affirm Holdings, Inc. Debt Securities Form of Indenture Dated as of , as Trustee CROSS-REFERENCE TABLE This Cross-Reference Table is not a part of the Indenture TIA Section Indenture Section 310(a)(1)...................................................................................................................................... 7.10 (a)(2)......................................................

March 3, 2022 EX-FILING FEES

iling Fee Table

EX-FILING FEES Calculation of Filing Fee Tables Form S-3 (Form Type) AFFIRM HOLDINGS, INC.

March 3, 2022 S-3ASR

As filed with the Securities and Exchange Commission on March 3, 2022

As filed with the Securities and Exchange Commission on March 3, 2022 Registration No.

March 3, 2022 424B7

AFFIRM HOLDINGS, INC. 22,000,000 Shares of Class A Common Stock Offered by the Selling Securityholder

PROSPECTUS SUPPLEMENT Filed pursuant to Rule 424(b)(7) (to Prospectus dated March 3, 2022) Registration No.

February 14, 2022 EX-10.4

Form of Stock Option Agreement pursuant to the Affirm Holdings, Inc. Amended and Restated 2012 Stock Plan

AFFIRM HOLDINGS, INC. AMENDED AND RESTATED 2012 STOCK PLAN GLOBAL STOCK OPTION AWARD AGREEMENT Pursuant to your Global Notice of Stock Option Grant (the ?Grant Notice?) and this Global Stock Option Award Agreement, including the additional terms and conditions for certain countries, as set forth in the addendum attached hereto (the ?Addendum? and, together, this ?Stock Option Agreement?), Affirm H

February 14, 2022 EX-10.5

Form of RSU Agreement pursuant to the Affirm Holdings, Inc. Amended and Restated 2012 Stock Plan

AFFIRM HOLDINGS, INC. 2012 AMENDED AND RESTATED STOCK PLAN GLOBAL RESTRICTED STOCK UNIT AWARD AGREEMENT Pursuant to your Global Notice of Restricted Stock Unit Grant (the ?Grant Notice?) and this Global Restricted Stock Unit Agreement, including the additional terms and conditions for certain countries, as set forth in the addendum attached hereto (the ?Addendum? and, together, the ?Agreement?), A

February 14, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2021 ☐ TRANSITION REPOR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-39888 Affirm

February 11, 2022 SC 13G

AFRM / Affirm Holdings, Inc. Class A / Capital Research Global Investors - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Affirm Holdings, Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 00827B106 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Sc

February 11, 2022 EX-99.A

Joint Filing Agreement

Exhibit A EXHIBIT A Joint Filing Agreement In accordance with Rule 13d-1(k) promulgated under the U.

February 11, 2022 SC 13G

AFRM / Affirm Holdings, Inc. Class A / GIC Private Ltd - SC 13G Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Affirm Holdings, Inc. (Name of Issuer) Class A Common Stock, par value $0.00001 per share (Title of Class of Securities) 00827B106 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule p

February 10, 2022 EX-10.1

Revolving Credit Agreement, dated as of February 4, 2022, among Affirm, Inc., Affirm Holdings, Inc., certain lenders identified therein, and Barclays Bank PLC

Exhibit 10.1 REVOLVING CREDIT AGREEMENT dated as of February 4, 2022 among AFFIRM, INC., as Borrower, AFFIRM HOLDINGS, INC., as Holdings, The Lenders Party Hereto and BARCLAYS BANK PLC, as Administrative Agent BARCLAYS BANK PLC Lead Arranger TABLE OF CONTENTS Page ARTICLE I DEFINITIONS 1 SECTION 1.01. Defined Terms 1 SECTION 1.02. Classification of Loans and Borrowings 39 SECTION 1.03. Terms Gener

February 10, 2022 SC 13G

AFRM / Affirm Holdings, Inc. Class A / Levchin Max R - SC 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Affirm Holdings, Inc. (Name of Issuer) Class A Common Stock (Title of Class of Securities) 00827B106 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which

February 10, 2022 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 10, 2022 Affirm Holdings, Inc.

February 10, 2022 SC 13G

AFRM / Affirm Holdings, Inc. Class A / SHOPIFY INC. - SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Affirm Holdings, Inc. (Name of Issuer) Class A Common Stock, $0.00001 par value per share (Title of Class of Securities) 00827B106 (CUSIP Number) December 31, 2021 (Date of Event which Requires Filing of this Statement) Check the appropriate box to design

February 10, 2022 EX-99.1

Affirm Reports Fiscal Year 2022 Second Quarter Results Exceeds Second Quarter Financial Outlook and Raises Outlook for Fiscal Year 2022 Drives Network Scale by Increasing Active Merchants from 8,000 to 168,000 and Active Consumers by 150% Year over Y

Affirm Reports Fiscal Year 2022 Second Quarter Results Exceeds Second Quarter Financial Outlook and Raises Outlook for Fiscal Year 2022 Drives Network Scale by Increasing Active Merchants from 8,000 to 168,000 and Active Consumers by 150% Year over Year to 11 million Accelerates Year-Over-Year GMV Growth to 115% from 84% in Q1 2022 SAN FRANCISCO ? February 10, 2022 ? Affirm Holdings, Inc.

February 9, 2022 SC 13G

AFRM / Affirm Holdings, Inc. Class A / VANGUARD GROUP INC - SCHEDULE 13G Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 Name of issuer: Affirm Holdings Inc. Title of Class of Securities: Common Stock CUSIP Number: 00827B106 Date of Event Which Requires Filing of this Statement: December 31, 2021 Check the appropriate box to designate the rule pursuant to which this Schedule is filed: ☒ Rule 13d-1(b) ☐ Ru

December 13, 2021 8-K

Termination of a Material Definitive Agreement

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): December 10, 2021 Affirm Holdings, Inc.

December 7, 2021 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): December 3, 2021 Affirm Holdings, Inc. (Exact name of registrant as specified in charter) Delaware 001-39888 84-2224323 (State or other jurisdiction of incorporation) (Commission File

November 23, 2021 EX-4.1

Indenture, dated November 23, 2021, between Affirm Holdings, Inc. and Wilmington Trust, National Association, as trustee

Exhibit 4.1 AFFIRM HOLDINGS, INC. AND Wilmington Trust, National Association, as Trustee INDENTURE Dated as of November 23, 2021 0% Convertible Senior Notes due 2026 TABLE OF CONTENTS Page Article 1 Definitions Section 1.01. Definitions 1 Section 1.02. References to Interest 12 Article 2 Issue, Description, Execution, Registration and Exchange of Notes Section 2.01. Designation and Amount 12 Secti

November 23, 2021 8-K

Entry into a Material Definitive Agreement, Unregistered Sales of Equity Securities, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 23, 2021 Affirm Holdings, Inc.

November 19, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 19, 2021 Affirm Holdings, Inc.

November 19, 2021 EX-99.1

Affirm Holdings, Inc. Announces Pricing of Upsized Private Offering of $1.5 billion of 0% Convertible Senior Notes due 2026

Exhibit 99.1 Affirm Holdings, Inc. Announces Pricing of Upsized Private Offering of $1.5 billion of 0% Convertible Senior Notes due 2026 SAN FRANCISCO ? November 19, 2021 ? Affirm Holdings, Inc. (Nasdaq: AFRM) (?Affirm? or the ?Company?) today announced the pricing of $1.5 billion aggregate principal amount of 0% Convertible Senior Notes due 2026 (the ?Notes?) in a private offering (the ?Offering?

November 18, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 18, 2021 Affirm Holdings, Inc.

November 18, 2021 EX-99.1

Affirm Holdings, Inc. Announces Proposed Private Offering of $1.25 billion of Convertible Senior Notes Proceeds to Support General Corporate Purposes including Key Growth Initiatives

Exhibit 99.1 Affirm Holdings, Inc. Announces Proposed Private Offering of $1.25 billion of Convertible Senior Notes Proceeds to Support General Corporate Purposes including Key Growth Initiatives SAN FRANCISCO ? November 18, 2021 ?Affirm Holdings, Inc. (Nasdaq: AFRM) (?Affirm? or the ?Company?) today announced its intention to offer, subject to market conditions and other factors, $1.25 billion ag

November 15, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 ☐ TRANSITION REPO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-39888 Affirm

November 10, 2021 8-K

Entry into a Material Definitive Agreement, Unregistered Sales of Equity Securities, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 10, 2021 Affirm Holdings, Inc.

November 10, 2021 EX-10.1

Amended and Restated Installment Financing Services Agreement, by and among Affirm Holdings, Inc., Amazon.com Services LLC and Amazon Payments, Inc., dated as of November 10, 2021*

Exhibit 10.1 Certain identified information in this document has been omitted because it is both (i) not material and (ii) is of a type that is treated as private and confidential, and has been marked with ?[***]? to indicate where omissions have been made. AMENDED AND RESTATED INSTALLMENT FINANCING SERVICES AGREEMENT BY AND AMONG AFFIRM, INC., AMAZON.COM SERVICES LLC, AND AMAZON PAYMENTS, INC. No

November 10, 2021 EX-4.2

Warrant to Purchase Class A Common Stock of Affirm Holdings, Inc., by and between Affirm Holdings, Inc. and Amazon.com Services LLC, dated as of November 10, 2021*

Exhibit 4.2 Certain identified information in this document has been omitted because it is both (i) not material and (ii) is of a type that is treated as private and confidential, and has been marked with ?[***]? to indicate where omissions have been made. WARRANT TO PURCHASE CLASS A COMMON STOCK THE SECURITIES REPRESENTED BY THIS INSTRUMENT HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 193

November 10, 2021 EX-10.2

Transaction Agreement, by and between Affirm Holdings, Inc. and Amazon.com Services LLC, dated as of November 10, 2021*

Exhibit 10.2 Certain identified information in this document has been omitted because it is both (i) not material and (ii) is of a type that is treated as private and confidential, and has been marked with ?[***]? to indicate where omissions have been made. TRANSACTION AGREEMENT Dated as of November 10, 2021 by and between AFFIRM HOLDINGS, INC. and AMAZON.COM SERVICES LLC TABLE OF CONTENTS Page AR

November 10, 2021 EX-4.1

Warrant to Purchase Class A Common Stock of Affirm Holdings, Inc., by and between Affirm Holdings, Inc. and Amazon.com Services LLC, dated as of November 10, 2021*

Exhibit 4.1 Certain identified information in this document has been omitted because it is both (i) not material and (ii) is of a type that is treated as private and confidential, and has been marked with ?[***]? to indicate where omissions have been made. WARRANT TO PURCHASE CLASS A COMMON STOCK THE SECURITIES REPRESENTED BY THIS INSTRUMENT HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 193

November 10, 2021 EX-99.1

Affirm Reports Fiscal Year 2022 First Quarter Results Exceeds First Quarter Financial Outlook and Raises Outlook for Gross Merchandise Volume (GMV), Revenue, and Revenue Less Transaction Costs for Fiscal Year 2022 Expands Network by Increasing Active

Affirm Reports Fiscal Year 2022 First Quarter Results Exceeds First Quarter Financial Outlook and Raises Outlook for Gross Merchandise Volume (GMV), Revenue, and Revenue Less Transaction Costs for Fiscal Year 2022 Expands Network by Increasing Active Merchants from 6,500 to 102,000 and Active Consumers by 124% to 8.

October 20, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 15, 2021 Affirm Holdings, Inc.

October 20, 2021 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

DEFA14A 1 defa14a-notice.htm DEFA14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant  ☐ Check the appropriate box:  ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commiss

October 20, 2021 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ? Filed by a Party other than the Registrant ?? Check the appropriate box: ?? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(

September 17, 2021 EX-21.1

Subsidiaries of the Company

Exhibit 21.1 Subsidiaries of the Registrant* Entity Jurisdiction Affirm ABS Funding Trust I Delaware Affirm ABS LLC Delaware Affirm Asset Securitization Trust 2020-A Delaware Affirm Asset Securitization Trust 2020-Z1 Delaware Affirm Asset Securitization Trust 2020-Z2 Delaware Affirm Asset Securitization Trust 2021-A Delaware Affirm Asset Securitization Trust 2021-B Delaware Affirm Asset Securitiza

September 17, 2021 S-8

As filed with the Securities and Exchange Commission on September 17, 2021

As filed with the Securities and Exchange Commission on September 17, 2021 Registration No.

September 17, 2021 EX-10.2

2021, by and between the Company and Sharda Caro del Castillo

Exhibit 10.2 SEPARATION AGREEMENT This Separation Agreement (?Agreement?) is made by and between Sharda Caro Del Castillo (?Employee?) and Affirm, Inc. (the ?Company?) (collectively referred to as the ?Parties? or individually referred to as a ?Party?). WHEREAS, Employee is employed by the Company; WHEREAS, the Company and Employee have entered into certain equity agreements, as more fully detaile

September 17, 2021 EX-10.7

Amended and Restated 2012 Stock Plan

Exhibit 10.7 AFFIRM HOLDINGS, INC. AMENDED AND RESTATED 2012 STOCK PLAN (Adopted by the Board on November 18, 2020; Approved by the stockholders of the Company on December 15, 2020; IPO Date on January 12, 2021; Amended May 7, 2021) 1.Purposes of the Plan. The purposes of this Amended and Restated 2012 Stock Plan are to attract and retain the best available personnel for positions of substantial r

September 17, 2021 EX-4.1

Description of Capital Stock

Exhibit 4.1 DESCRIPTION OF CAPITAL STOCK General The following description summarizes certain important terms of the capital stock of Affirm Holdings, Inc. (the ?company,? ?we,? ?us? and ?our?). Because it is only a summary, it does not contain all the information that may be important to you. For a complete description of the matters set forth herein, you should refer to our amended and restated

September 17, 2021 EX-10.1

Amended and Restated Amendment No. 2 to Customer Installment Program Agreement, dated as of July 27, 2021, by and between Shopify Inc. and Affirm, Inc.

Exhibit 10.1 Certain identified information in this document has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed, and has been marked with ?[***]? to indicate where omissions have been made. AMENDED AND RESTATED AMENDMENT NO. 2 TO CUSTOMER INSTALLMENT PROGRAM AGREEMENT This AMENDED AND RESTATED AMENDMENT NO. 2 TO CUSTOMER INSTALLMENT

September 17, 2021 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended June 30, 2021 ☐ TRANSITION REPORT PURSUANT T

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended June 30, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-39888 Affirm Holdings, In

September 9, 2021 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): September 9, 2021 Affirm Holdings,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): September 9, 2021 Affirm Holdings, Inc.

September 9, 2021 EX-99.1

Affirm Reports Fourth Quarter and Fiscal Year 2021 Results Exceeds Fourth Quarter Financial Outlook Accelerates Q4 Gross Merchandise Volume Growth to 106% and Total Revenue Growth to 71% Year Over Year Expands Network by Nearly Doubling Active Consum

Exhibit 99.1 Affirm Reports Fourth Quarter and Fiscal Year 2021 Results Exceeds Fourth Quarter Financial Outlook Accelerates Q4 Gross Merchandise Volume Growth to 106% and Total Revenue Growth to 71% Year Over Year Expands Network by Nearly Doubling Active Consumers and Growing Active Merchants by Over 400% Year Over Year Expects Fiscal Year 2022 GMV Growth of At Least 50%, or 70% Excluding Peloto

September 8, 2021 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): September 2, 2021 Affirm Holdings, Inc.

September 8, 2021 EX-3.1

Amended and Restated Bylaws of the Company

Exhibit 3.1 AMENDED AND RESTATED BYLAWS OF AFFIRM HOLDINGS, INC. TABLE OF CONTENTS Page ARTICLE I CORPORATE OFFICES 1 1.1 Registered Office. 1 1.2 Other Offices. 1 ARTICLE II MEETINGS OF STOCKHOLDERS 1 2.1 Annual Meeting. 1 2.2 Special Meeting. 1 2.3 Notice Of Stockholders? Meetings. 2 2.4 Manner Of Giving Notice; Affidavit Of Notice. 2 2.5 Quorum. 2 2.6 Adjourned Meeting; Notice. 3 2.7 Organizati

August 30, 2021 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): August 27, 2021 Affirm Holdings, In

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): August 27, 2021 Affirm Holdings, Inc.

August 30, 2021 EX-99.1

Amazon Partners with Affirm to Deliver Pay-Over-Time Option at Checkout

Exhibit 99.1 Amazon Partners with Affirm to Deliver Pay-Over-Time Option at Checkout SAN FRANCISCO ? August 27, 2021 ? Affirm (NASDAQ: AFRM), the payment network that empowers consumers and helps merchants drive growth, today announced that its flexible payment solution will soon be available to Amazon.com customers at checkout. Amazon and Affirm are testing with select customers now, and in the c

May 17, 2021 EX-10.4

Cash Incentive Plan

Exhibit 10.4 AFFIRM HOLDINGS, INC. CASH INCENTIVE PLAN (Effective as of January 1, 2021) 1.Purpose. Affirm Holdings, Inc. (the ?Company?) has established this Cash Incentive Plan (the ?Plan?), effective for periods beginning on and after January 1, 2021, for the purpose of supporting the accomplishment of the Company?s financial and strategic objectives. In doing so, the Plan is designed to: ?Clos

May 17, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 ☐ TRANSITION REPORT P

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 00

May 17, 2021 EX-10.2

First Amendment to Revolving Credit Agreement dated as of April 6, 2021, among Affirm, Inc., Affirm Holdings, Inc., certain lenders identified therein, and Morgan Stanley Senior Funding, Inc.

Exhibit 10.2 FIRST AMENDMENT, dated as of April 6, 2021 (this ?Amendment?) to the Credit Agreement, dated as of January 19, 2021, among Affirm, Inc., a Delaware corporation (the ?Borrower?), Affirm Holdings, Inc., a Delaware corporation, the Lenders party thereto, and Morgan Stanley Senior Funding, Inc., as Administrative Agent (the ?Administrative Agent?) (as amended, restated, modified and suppl

May 17, 2021 EX-10.3

Amendment No. 1 to Customer Installment Program Agreement, effective as of February 26, 2021, between Shopify Inc. and Affirm, Inc.

Exhibit 10.3 Certain identified information in this document has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed, and has been marked with ?[***]? to indicate where omissions have been made. AMENDMENT NO. 1 TO CUSTOMER INSTALLMENT PROGRAM AGREEMENT This AMENDMENT NO. 1 TO CUSTOMER INSTALLMENT PROGRAM AGREEMENT (this ?Amendment?) is en

May 10, 2021 EX-99.1

Affirm Reports Fiscal Year 2021 Third Quarter Results Exceeds Third Quarter Financial Outlook and Raises Outlook for Fiscal Year 2021 Accelerates Year-Over-Year Gross Merchandise Volume Growth to 83% Activates Shop Pay Installments for More Than 10,0

Affirm Reports Fiscal Year 2021 Third Quarter Results Exceeds Third Quarter Financial Outlook and Raises Outlook for Fiscal Year 2021 Accelerates Year-Over-Year Gross Merchandise Volume Growth to 83% Activates Shop Pay Installments for More Than 10,000 Shopify Merchants as of Today SAN FRANCISCO ? May 10, 2021 ? Affirm Holdings, Inc.

May 10, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 8, 2021 Affirm Holdings, Inc.

April 22, 2021 8-K

Unregistered Sales of Equity Securities

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 20, 2021 Affirm Holdings, Inc.

March 10, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 4, 2021 Affirm Holdings, Inc.

February 17, 2021 10-Q

Quarterly Report - 10-Q

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2020 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number

February 11, 2021 EX-99.1

Affirm Reports Fiscal Year 2021 Second Quarter Results Company Provides Outlook for Fiscal Third Quarter and Fiscal Full Year 2021

Affirm Reports Fiscal Year 2021 Second Quarter Results Company Provides Outlook for Fiscal Third Quarter and Fiscal Full Year 2021 SAN FRANCISCO – February 11, 2021 – Affirm Holdings, Inc.

February 11, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 11, 2021 Affirm Holdings, Inc.

February 2, 2021 S-8

- FORM S-8

As filed with the Securities and Exchange Commission on February 2, 2021 Registration No.

January 25, 2021 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 19, 2021 Affirm Holdings, Inc.

January 25, 2021 EX-10.1

Revolving Credit Agreement, dated as of January 19, 2021, among Affirm, Inc., Affirm Holdings, Inc., certain lenders identified therein, and Morgan Stanley Senior Funding, Inc.

Exhibit 10.1 EXECUTION VERSION REVOLVING CREDIT AGREEMENT dated as of January 19, 2021 among AFFIRM, INC., as Borrower, AFFIRM HOLDINGS, INC., as Holdings, The Lenders Party Hereto and MORGAN STANLEY SENIOR FUNDING, INC., as Administrative Agent MORGAN STANLEY SENIOR FUNDING, INC. and GOLDMAN SACHS LENDING PARTNERS LLC., as Joint Lead Arrangers MORGAN STANLEY SENIOR FUNDING, INC. and GOLDMAN SACHS

January 15, 2021 EX-3.2

Amended and Restated Bylaws

Exhibit 3.2 AMENDED AND RESTATED BYLAWS OF AFFIRM HOLDINGS, INC. TABLE OF CONTENTS Page ARTICLE I CORPORATE OFFICES 1 1.1 Registered Office 1 1.2 Other Offices 1 ARTICLE II MEETINGS OF STOCKHOLDERS 1 2.1 Annual Meeting 1 2.2 Special Meeting 1 2.3 Notice Of Stockholders’ Meetings 2 2.4 Manner Of Giving Notice; Affidavit Of Notice 2 2.5 Quorum 2 2.6 Adjourned Meeting; Notice 3 2.7 Organization; Cond

January 15, 2021 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Material Modification to Rights of Security Holders, Financial Statements and Exhibits, Other Events - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 12, 2021 Affirm Holdings, Inc.

January 15, 2021 EX-3.1

Amended and Restated Certificate of Incorporation

Exhibit 3.1 AFFIRM HOLDINGS, INC. AMENDED AND RESTATED CERTIFICATE OF INCORPORATION Affirm Holdings, Inc. (the “Corporation”), a corporation organized and existing under the laws of the State of Delaware, hereby certifies as follows: A. The Corporation was originally incorporated pursuant to the General Corporation Law of the State of Delaware (the “DGCL”) on June 12, 2019, under the name Affirm H

January 14, 2021 424B4

Affirm Holdings, Inc.

TABLE OF CONTENTS  Filed Pursuant to Rule 424(b)(4)  Registration No. 333-250184 Affirm Holdings, Inc. Class A Common Stock24,600,000 Shares Affirm Holdings, Inc. is offering 24,600,000 shares of Class A common stock. This is our initial public offering, and no public market currently exists for our Class A common stock. The initial public offering price of the Class A common stock is $49.00 per s

January 13, 2021 8-A12B

Form 8-A filed on January 13, 2021 (File No. 001-39888)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 Affirm Holdings, Inc. (Exact name of registrant as specified in its charter) Delaware 84-2224323 (State of incorporation or organization) (I.R.S. Employer Identification No.) Affirm Holdings, Inc.

January 13, 2021 S-8

- S-8

As filed with the Securities and Exchange Commission on January 13, 2021 Registration No.

January 11, 2021 CORRESP

-

Morgan Stanley & Co. LLC 1585 Broadway New York, New York 10036 Goldman Sachs & Co. LLC 200 West Street New York, New York 10282 Allen & Company LLC 711 Fifth Avenue New York, New York 10022 January 11, 2021 Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.E. Washington, D.C. 20549 Re: Affirm Holdings, Inc. Registration Statement on Form S-1 Registration File No.

January 11, 2021 S-1/A

- S-1/A

TABLE OF CONTENTS As filed with the Securities and Exchange Commission on January 11, 2021 Registration No.

January 11, 2021 CORRESP

-

AFFIRM HOLDINGS, INC. 650 California Street San Francisco, California 94108 January 11, 2021 VIA EMAIL & EDGAR Division of Corporation Finance U.S. Securities and Exchange Commission 100 F Street, NE Washington, D.C. 20549 Re: Affirm Holdings, Inc. (the ?Company?) Registration Statement on Form S-1 (Registration No. 333-250184) Dear Mr. Lamparski: Pursuant to Rule 461(a) of the General Rules and R

January 5, 2021 S-1/A

- S-1/A

TABLE OF CONTENTS As filed with the Securities and Exchange Commission on January 5, 2021 Registration No.

January 5, 2021 EX-1.1

Form of Underwriting Agreement

Exhibit 1.1 [●] Shares AFFIRM HOLDINGS, INC. CLASS A COMMON STOCK, PAR VALUE $0.00001 PER SHARE UNDERWRITING AGREEMENT [●], 2021 Morgan Stanley & Co. LLC Goldman Sachs & Co. LLC Allen & Company LLC As Representatives of the several Underwriters named in Schedule I hereto c/o Morgan Stanley & Co. LLC 1585 Broadway New York, New York 10036 c/o Goldman Sachs & Co. LLC 200 West Street New York, New Yo

January 5, 2021 EX-3.4

Form of Amended and Restated Certificate of Incorporation of the Company, to be in effect upon the completion of this offering

Exhibit 3.4 FORM OF AFFIRM HOLDINGS, INC. AMENDED AND RESTATED CERTIFICATE OF INCORPORATION Affirm Holdings, Inc. (the “Corporation”), a corporation organized and existing under the laws of the State of Delaware, hereby certifies as follows: A. The Corporation was originally incorporated pursuant to the General Corporation Law of the State of Delaware (the “DGCL”) on June 12, 2019, under the name

January 5, 2021 EX-3.3

Certificate of Amendment of the Amended and Restated Certificate of Incorporation of the Company, as filed on December 30, 2020

Exhibit 3.3 CERTIFICATE OF AMENDMENT OF THE AMENDED AND RESTATED CERTIFICATE OF INCORPORATION OF AFFIRM HOLDINGS, INC. The undersigned, Max Levchin, hereby certifies that: 1. He is the duly elected Chief Executive Officer of Affirm Holdings, Inc., a corporation organized and existing under the laws of the State of Delaware (the “Company”). 2. The original Certificate of Incorporation of the Compan

January 5, 2021 EX-3.5

Form of Amended and Restated Bylaws of the Company, to be in effect upon the completion of this offering

Exhibit 3.5 FORM OF AMENDED AND RESTATED BYLAWS OF AFFIRM HOLDINGS, INC. TABLE OF CONTENTS Page ARTICLE I CORPORATE OFFICES 1 1.1 Registered Office 1 1.2 Other Offices 1 ARTICLE II MEETINGS OF STOCKHOLDERS 1 2.1 Annual Meeting 1 2.2 Special Meeting 1 2.3 Notice Of Stockholders’ Meetings 2 2.4 Manner Of Giving Notice; Affidavit Of Notice 2 2.5 Quorum 2 2.6 Adjourned Meeting; Notice 3 2.7 Organizati

December 22, 2020 EX-10.4

Second Amended and Restated Loan Program Agreement, dated as of November 1, 2020, by and between Affirm, Inc. and Cross River Bank

Exhibit 10.4 Certain identified information in this document has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed, and has been marked with “[***]” to indicate where omissions have been made. SECOND AMENDED AND RESTATED LOAN PROGRAM AGREEMENT between CROSS RIVER BANK and AFFIRM, INC. Dated as of November 1, 2020 Table of Contents Page

December 22, 2020 S-1/A

- S-1/A

TABLE OF CONTENTS As filed with the Securities and Exchange Commission on December 22, 2020 Registration No.

December 22, 2020 EX-1.1

Form of Underwriting Agreement

Exhibit 1.1 [●] Shares AFFIRM HOLDINGS, INC. CLASS A COMMON STOCK, PAR VALUE $0.00001 PER SHARE UNDERWRITING AGREEMENT [●], 2020 Morgan Stanley & Co. LLC Goldman Sachs & Co. LLC Allen & Company LLC As Representatives of the several Underwriters named in Schedule I hereto c/o Morgan Stanley & Co. LLC 1585 Broadway New York, New York 10036 c/o Goldman Sachs & Co. LLC 200 West Street New York, New Yo

December 22, 2020 EX-10.8

Form of Share Exchange Agreement by and among Affirm Holdings, Inc., 2012 MRL Investments LLC and Max Levchin

Exhibit 10.8 FORM OF SHARE exchange agreement This Share Exchange Agreement (this “Agreement”) is made and entered into as of December , 2020 by and among Affirm Holdings, Inc., a Delaware corporation (the “Company”), 2012 MRL Investments LLC and Max Levchin (each, a “Stockholder” and collectively, the “Stockholders”). RECITALS WHEREAS, effective upon the filing of the Company’s Amended and Restat

December 14, 2020 EX-4.2

Warrant to Purchase Shares of Common Stock, dated as of October 8, 2019, by and between Affirm, Inc. and Delta Air Lines, Inc.

Exhibit 4.2 THIS WARRANT AND THE SECURITIES ISSUABLE UPON THE EXERCISE HEREOF HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED. THEY MAY NOT BE SOLD, OFFERED FOR SALE, PLEDGED, HYPOTHECATED, OR OTHERWISE TRANSFERRED EXCEPT PURSUANT TO AN EFFECTIVE REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR AN OPINION OF COUNSEL SATISFACTORY TO THE COMPANY THAT REGI

December 14, 2020 CORRESP

-

Skadden, Arps, Slate, Meagher & Flom llp 525 University avenue DIRECT DIAL (650) 470-4540 DIRECT FAX (213) 621-5234 EMAIL ADDRESS Gregg.

December 14, 2020 EX-3.3

Form of Amended and Restated Certificate of Incorporation of the Company, to be in effect upon the completion of this offering

Exhibit 3.3 FORM OF AFFIRM HOLDINGS, INC. AMENDED AND RESTATED CERTIFICATE OF INCORPORATION Affirm Holdings, Inc. (the “Corporation”), a corporation organized and existing under the laws of the State of Delaware, hereby certifies as follows: A. The Corporation was originally incorporated pursuant to the General Corporation Law of the State of Delaware (the “DGCL”) on June 12, 2019, under the name

December 14, 2020 EX-4.1

Amended and Restated Investors’ Rights Agreement among the Company and certain holders of its capital stock, dated as of September 11, 2020

Exhibit 4.1 AFFIRM HOLDINGS, INC. AMENDED AND RESTATED INVESTORS’ RIGHTS AGREEMENT This Amended and Restated Investors’ Rights Agreement (the “Agreement”) is made as of September 11, 2020 (the “Effective Date”), by and among Affirm Holdings, Inc., a Delaware corporation (the “Company”) and the holders of the Company’s Preferred Stock listed on Exhibit A attached hereto (the “Investors”). RECITALS

December 14, 2020 EX-99.2

Consent of Jacqueline D. Reses

Exhibit 99.2 Consent of INDEPENDENT DIRECTOR In connection with the filing by Affirm Holdings, Inc. (the “Company”) of its Registration Statement (the “Registration Statement”) on Form S-1 with the Securities and Exchange Commission under the Securities Act of 1933, as amended (the “Securities Act”), I hereby consent, pursuant to Rule 438 of the Securities Act, to being named as a nominee to the b

December 14, 2020 S-1/A

- S-1/A

TABLE OF CONTENTS As filed with the Securities and Exchange Commission on December 14, 2020 Registration No.

December 14, 2020 EX-99.3

Consent of James D. White

Exhibit 99.3 Consent of INDEPENDENT DIRECTOR In connection with the filing by Affirm Holdings, Inc. (the “Company”) of its Registration Statement (the “Registration Statement”) on Form S-1 with the Securities and Exchange Commission under the Securities Act of 1933, as amended (the “Securities Act”), I hereby consent, pursuant to Rule 438 of the Securities Act, to being named as a nominee to the b

December 14, 2020 EX-4.3

Warrant to Purchase Common Stock, dated as of May 15, 2014, by and between Affirm, Inc. and Silicon Valley Bank

Exhibit 4.3 THIS WARRANT AND THE SHARES ISSUABLE HEREUNDER HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “ACT”), OR THE SECURITIES LAWS OF ANY STATE AND, EXCEPT AS SET FORTH IN SECTIONS 5.3 AND 5.4 BELOW, MAY NOT BE OFFERED, SOLD, PLEDGED OR OTHERWISE TRANSFERRED UNLESS AND UNTIL REGISTERED UNDER SAID ACT AND LAWS OR IN FORM AND SUBSTANCE SATISFACTORY TO THE COMPANY, S

December 14, 2020 EX-10.2

Amended and Restated 2012 Stock Plan and related form agreements

Exhibit 10.2 AFFIRM HOLDINGS, INC. AMENDED AND RESTATED 2012 STOCK PLAN (Adopted by the Board on November 18, 2020; Approved by the stockholders of the Company on [•]; IPO Date on [•]) 1. Purposes of the Plan. The purposes of this Amended and Restated 2012 Stock Plan are to attract and retain the best available personnel for positions of substantial responsibility, to provide additional incentive

December 14, 2020 EX-4.4

Warrant to Purchase Common Stock, dated as of August 5, 2015, by and between Affirm, Inc. and Silicon Valley Bank

Exhibit 4.4 THIS WARRANT AND THE SHARES ISSUABLE HEREUNDER HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “ACT”), OR THE SECURITIES LAWS OF ANY STATE AND, EXCEPT AS SET FORTH IN SECTIONS 5.3 AND 5.4 BELOW, MAY NOT BE OFFERED, SOLD, PLEDGED OR OTHERWISE TRANSFERRED UNLESS AND UNTIL REGISTERED UNDER SAID ACT AND LAWS OR, IN THE OPINION OF LEGAL COUNSEL IN FORM AND SUBSTAN

December 14, 2020 EX-4.5

Stock Purchase Warrant, dated as of September 1, 2020, by and between Affirm Holdings, Inc. and Shopify Inc.

Exhibit 4.5 THIS WARRANT AND THE SECURITIES ISSUABLE UPON THE EXERCISE HEREOF HAVE NOT BEEN REGISTERED UNDER THE U.S. SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”), OR UNDER THE SECURITIES LAWS OF CERTAIN STATES. THESE SECURITIES MAY NOT BE OFFERED, SOLD OR OTHERWISE TRANSFERRED, PLEDGED OR HYPOTHECATED EXCEPT AS PERMITTED UNDER THE SECURITIES ACT AND APPLICABLE STATE SECURITIES LAWS P

December 14, 2020 EX-99.1

Consent of Jenny J. Ming

Exhibit 99.1 Consent of INDEPENDENT DIRECTOR In connection with the filing by Affirm Holdings, Inc. (the “Company”) of its Registration Statement (the “Registration Statement”) on Form S-1 with the Securities and Exchange Commission under the Securities Act of 1933, as amended (the “Securities Act”), I hereby consent, pursuant to Rule 438 of the Securities Act, to being named as a nominee to the b

November 20, 2020 EX-10.4

Second Amended and Restated Loan Program Agreement, dated as of November 1, 2020, by and between Affirm, Inc. and Cross River Bank

Exhibit 10.4 Certain identified information in this document has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed, and has been marked with “[***]” to indicate where omissions have been made. SECOND AMENDED AND RESTATED LOAN PROGRAM AGREEMENT between CROSS RIVER BANK and AFFIRM, INC. Dated as of November 1, 2020 Table of Contents Page

November 20, 2020 EX-10.2

Amended and Restated 2012 Stock Plan and related form agreements

Exhibit 10.2 AFFIRM HOLDINGS, INC. AMENDED AND RESTATED 2012 STOCK PLAN (Adopted by the Board on November 18, 2020; Approved by the stockholders of the Company on [•]; IPO Date on [•]) 1. Purposes of the Plan. The purposes of this Amended and Restated 2012 Stock Plan are to attract and retain the best available personnel for positions of substantial responsibility, to provide additional incentive

November 20, 2020 EX-10.5

Second Amended and Restated Loan Sale Agreement, dated as of November 1, 2020, by and between Affirm, Inc. and Cross River Bank

Exhibit 10.5 Certain identified information in this document has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed, and has been marked with “[***]” to indicate where omissions have been made. SECOND AMENDED AND RESTATED LOAN SALE AGREEMENT between CROSS RIVER BANK and AFFIRM, INC., as Purchaser Dated as of November 1, 2020 TABLE OF CON

November 20, 2020 EX-10.3

2020 Employee Stock Purchase Plan

Exhibit 10.3 AFFIRM HOLDINGS, INC. 2020 EMPLOYEE STOCK PURCHASE PLAN The following constitute the provisions of the Affirm Holdings, Inc. 2020 Employee Stock Purchase Plan. 1. Purpose. The purpose of the Plan is to provide employees of the Company and its Designated Subsidiaries with an opportunity to purchase Common Stock of the Company through accumulated payroll deductions. It is the intention

November 20, 2020 EX-10.7

Customer Installment Program Agreement, dated as of July 16, 2020, by and between Shopify Inc. and Affirm, Inc.

Exhibit 10.7 Certain identified information in this document has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed, and has been marked with “[***]” to indicate where omissions have been made. CUSTOMER INSTALLMENT PROGRAM AGREEMENT This Customer Installment Program Agreement (“Agreement”) is entered into as of the 16th day of July, 2020

November 20, 2020 S-1/A

- FORM S-1/A

As filed with the Securities and Exchange Commission on November 20, 2020 Registration No.

November 18, 2020 EX-10.1

Form of Indemnification Agreement between the Company and its directors and officers

Exhibit 10.1 INDEMNIFICATION AGREEMENT This INDEMNIFICATION AGREEMENT (this ?Agreement?) is made and effective as of [FULL DATE], by and between Affirm Holdings, Inc., a Delaware corporation (the ?Company?), and [NAME OF INDEMNITEE] (?Indemnitee?). WHEREAS, it is essential to the Company to retain and attract as directors and officers the most capable persons available; WHEREAS, Indemnitee is a di

November 18, 2020 EX-3.2

Amended and Restated Bylaws of the Company, as currently in effect

Exhibit 3.2 BYLAWS OF AFFIRM HOLDINGS, INC. TABLE OF CONTENTS Page ARTICLE I: CORPORATE OFFICES 1 1.1 Registered Office 1 1.2 Other Offices 1 ARTICLE II: MEETINGS OF STOCKHOLDERS 1 2.1 Place of Meetings 1 2.2 Annual Meeting 1 2.3 Special Meeting 1 2.4 Notice of Stockholders? Meetings 2 2.5 Manner of Giving Notice; Affidavit of Notice 2 2.6 Quorum 2 2.7 Adjourned Meeting; Notice 2 2.8 Organization;

November 18, 2020 EX-4.6

Stock Purchase Warrant, dated as of September 1, 2020, by and between Affirm Holdings, Inc. and Shopify Inc.

Exhibit 4.6 THIS WARRANT AND THE SECURITIES ISSUABLE UPON THE EXERCISE HEREOF HAVE NOT BEEN REGISTERED UNDER THE U.S. SECURITIES ACT OF 1933, AS AMENDED (THE ?SECURITIES ACT?), OR UNDER THE SECURITIES LAWS OF CERTAIN STATES. THESE SECURITIES MAY NOT BE OFFERED, SOLD OR OTHERWISE TRANSFERRED, PLEDGED OR HYPOTHECATED EXCEPT AS PERMITTED UNDER THE SECURITIES ACT AND APPLICABLE STATE SECURITIES LAWS P

November 18, 2020 EX-4.4

Warrant to Purchase Common Stock, dated as of May 15, 2014, by and between Affirm, Inc. and Silicon Valley Bank

Exhibit 4.4 THIS WARRANT AND THE SHARES ISSUABLE HEREUNDER HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE ?ACT?), OR THE SECURITIES LAWS OF ANY STATE AND, EXCEPT AS SET FORTH IN SECTIONS 5.3 AND 5.4 BELOW, MAY NOT BE OFFERED, SOLD, PLEDGED OR OTHERWISE TRANSFERRED UNLESS AND UNTIL REGISTERED UNDER SAID ACT AND LAWS OR IN FORM AND SUBSTANCE SATISFACTORY TO THE COMPANY, S

November 18, 2020 EX-10.6

Merchant Agreement, dated as of September 3, 2020, by and between Affirm, Inc. and Peloton Interactive, Inc.

Exhibit 10.6 Certain identified information in this document has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed, and has been marked with ?[***]? to indicate where omissions have been made. Order Form No. 1 ? Online, In-Store, Telesales Merchant Legal Name: Peloton Interactive Inc. Merchant URL(s): www.onepeloton.com (including all s

Other Listings
MX:AFRM
Fintel data has been cited in the following publications:
Daily Mail Fox Business Business Insider Wall Street Journal The Washington Post Bloomberg Financial Times Globe and Mail
NASDAQ.com Reuters The Guardian Associated Press FactCheck.org Snopes Politifact
Federal Register The Intercept Forbes Fortune Magazine TheStreet Time Magazine Canadian Broadcasting Corporation International Business Times
Cambridge University Press Investopedia MarketWatch NY Daily News Entrepreneur Newsweek Barron's El Economista