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Affirm Holdings, Inc.

Founders

Who Founded Affirm?

Max Levchin, Nathan Gettings, Jeffrey Kaditz, Alex Rampell · Founded 2012 · HQ today: San Francisco, California

Who founded Affirm?

Affirm was founded by Max Levchin, Nathan Gettings, Jeffrey Kaditz, Alex Rampell in 2012. It is now led by Max Levchin.

Founders
Max Levchin, Nathan Gettings, Jeffrey Kaditz, Alex Rampell
Founded
2012
Headquarters
San Francisco, California
Number of founders
4
Current CEO
Max Levchin (since 2014)
Where was Affirm founded?
Affirm was founded in San Francisco, California in 2012.
When was Affirm founded?
Affirm was founded in 2012.
Who started Affirm?
Affirm was founded by Max Levchin, Nathan Gettings, Jeffrey Kaditz and Alex Rampell.
How old is Affirm?
Affirm is 14 years old as of 2026.

Founding Story

Affirm was founded in 2012 by Max Levchin, Nathan Gettings, Jeffrey Kaditz, and Alex Rampell. Following his success as a co-founder of PayPal, Levchin wanted to build a modern financial network that avoided the deceptive late fees and compounding interest of traditional credit cards. Affirm launched its core 'Buy Now, Pay Later' (BNPL) product to provide transparent, fixed-schedule microloans at the point of sale, rapidly gaining traction by integrating directly into massive e-commerce checkouts.

Max Levchin

Co-founder 2012

Background

Computer scientist who previously co-founded PayPal (serving as its CTO) and Slide (acquired by Google).

Role at Affirm Holdings, Inc.

Max Levchin (born 1975) is a highly influential Silicon Valley entrepreneur and investor. After helping build the foundational infrastructure of the modern digital payments industry at PayPal, he founded Affirm to challenge traditional credit card networks. As CEO, he has guided Affirm through a massive IPO and secured exclusive partnerships with retail giants like Amazon and Walmart. Max Levchin was born in 1975.

Nathan Gettings

Co-founder 2012

Background

Software engineer who previously co-founded Palantir Technologies.

Role at Affirm Holdings, Inc.

Nathan Gettings co-founded Affirm, bringing immense expertise in massive-scale data analytics and risk modeling from his time building Palantir's core anti-fraud systems. He helped architect Affirm's initial proprietary underwriting algorithms before departing the company.

Nathan Dale Gettings was co-founder and chief technology officer of Palantir Technologies and co-founder and chief executive of RoboteX. At Affirm he served as chief risk officer. (Exact birth year remains publicly undisclosed).

Jeffrey Kaditz

Co-founder 2012

Background

Entrepreneur and engineer who had extensive experience building early mobile and web applications.

Role at Affirm Holdings, Inc.

Jeffrey Kaditz co-founded Affirm and served as its first Chief Technology Officer. He led the initial engineering team that built the original BNPL infrastructure and API integrations for early merchant partners before leaving to found the health-tech startup Q Bio. (Exact birth year remains publicly undisclosed).

Alex Rampell

Co-founder 2012

Background

Serial fintech entrepreneur who previously co-founded TrialPay.

Role at Affirm Holdings, Inc.

Alex Rampell co-founded Affirm based on his deep understanding of point-of-sale financing and merchant networks. He helped shape the company's early go-to-market strategy before transitioning his focus to venture capital as a General Partner at Andreessen Horowitz. (Exact birth year remains publicly undisclosed).

Affirm Holdings, Inc.: CEO & Leadership History

Full timeline →

Max Levchin

Founder, Chief Executive Officer and Chairman

2014 – Present

Levchin founded Affirm in 2012 and leads its payment network, lending products, and no-late-fee strategy. He previously co-founded PayPal and served as its chief technology officer.

Compare Affirm Holdings, Inc. Leadership With Competitors

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Who Founded Affirm? FAQ

Who founded Affirm in 2012?

Affirm was founded in 2012 in San Francisco by Max Levchin, Nathan Gettings (Palantir co-founder), Jeffrey Kaditz, and Alex Rampell as part of Levchin's startup laboratory, HVF.

What was the original founding thesis behind Affirm?

The founders realized that millennials and Gen Z consumers distrusted legacy credit card companies that profited from hidden late fees and compounding interest, creating the opportunity for honest point-of-sale financing.

How did the founders build the initial underwriting software for Affirm?

The founding engineering team built machine learning models that evaluated alternative data sources, such as bank account transaction history and real-time merchant cart data, to underwrite consumers without FICO scores.

Where did the founders launch Affirm's first commercial checkout integration?

Affirm began offering installment financing to online merchants during its early years. Public sources reviewed for this audit did not establish a single first commercial merchant.

How did the founders raise initial venture capital for Affirm?

Affirm's disclosed investors included Lightspeed Venture Partners, Founders Fund, Khosla Ventures, Spark Capital, GIC, and Durable Capital Partners. After its $500 million Series G, Affirm said it had raised more than $1.3 billion in total.

What role did large merchants play in Affirm's growth?

Merchant integrations distribute Affirm at checkout. Partnerships with companies and platforms including Walmart, Shopify, and Amazon expanded that distribution, while Affirm continued adding smaller merchants.

What core values did the founders establish for Affirm?

The founders established five core values: People Come First, No Fine Print, It's On Us, Push the Envelope, and Simpler is Better.

What was the company's valuation at its January 2021 IPO?

Affirm debuted on NASDAQ on January 13, 2021, pricing at $49.00 per share and closing its first trading day at $97.24, achieving a market valuation exceeding $23 billion.

Who founded Affirm?

Max Levchin co-founded the company alongside Nathan Gettings, Jeffrey Kaditz, and Alex Rampell.

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Content is for informational purposes only. Not financial advice. Data sourced from SEC filings, annual reports, and public records. See our full disclaimer and methodology.