8-K

UNITED STATESSECURITIES AND EXCHANGE COMMISSIONWashington, DC 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of theSecurities Exchange Act of 1934

Date of report (Date of earliest event reported): August 27, 2021

Affirm Holdings, Inc.

(Exact name of registrant as specified in charter)

Registrant’s telephone number, including area code:

(415) 984-0490

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

Securities registered pursuant to Section 12(b) of the Act:

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ¨

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

Item 8.01. Other Events.

On August 27, 2021, Affirm Holdings, Inc. issued a press release announcing 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 coming months, Amazon plans to make Affirm more broadly available to its customers. As a result of Amazon and Affirm‘s non-exclusive partnership, select Amazon customers now have the option to split the total cost of purchases of $50 or more into simple monthly payments by using Affirm. A copy of the press release is attached as Exhibit 99.1 to this report and is incorporated by reference into this Item 8.01.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits.

2

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: August 30, 2021

3

Exhibit 99.1

Amazon Partners with Affirm to Deliver Pay-Over-TimeOption 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 coming months, Amazon plans to make Affirm more broadly available to its customers.

As a result of Amazon and Affirm's partnership, select Amazon customers now have the option to split the total cost of purchases of $50 or more into simple monthly payments by using Affirm. Approved customers are shown the total cost of their purchase upfront and will never pay more than what they agree to at checkout. As always, when choosing Affirm, consumers will not be charged any late or hidden fees.

“By partnering with Amazon we’re bringing the transparency, predictability and affordability that Affirm provides today to the millions of people who shop on Amazon.com in the U.S.,” said Eric Morse, Senior Vice President of Sales at Affirm. “Offering Affirm’s alternative to credit cards also delivers more of the payment choice and flexibility consumers on Amazon want.”

About Affirm

Affirm’s mission is to deliver honest financial products that improve lives. By building a new kind of payment network — one based on trust, transparency and putting people first — we empower millions of consumers to spend and save responsibly, and give thousands of businesses the tools to fuel growth. Unlike credit cards and other pay-over-time options, we show consumers exactly what they will pay up front, never increase that amount, and never charge any late or hidden fees. Follow Affirm on social media: LinkedIn | Instagram | Facebook

| Twitter.

Press Contacts

Affirm

press@affirm.com

(650)398-2715

Payment options through Affirm are subjectto eligibility, and are provided by these lending partners: affirm.com/lenders. CA residents: Loans by Affirm Loan Services, LLC aremade or arranged pursuant to California Finance Lender license 60DBO-111681.

Cautionary Note About Forward-LookingStatements

This press release contains forward-lookingstatements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Actof 1934, as amended, that involve risks and uncertainties. All statements other than statements of historical fact are forward-lookingstatements, including statements regarding Amazon’s plans to make Affirm’s payment solution available to Amazon customers,statements regarding the timing of Amazon making Affirm’s payment solution available to Amazon customers, and statements regardingthe future success of Affirm’s relationship with Amazon and Amazon customers. These forward-looking statements involve known andunknown risks, uncertainties and other important factors that may cause Affirm's actual results, performance or achievements to be materiallydifferent from any future results, performance or achievements expressed or implied by the forward-looking statements. Risks, uncertaintiesand assumptions include factors relating to: Affirm's need to attract additional merchants and consumers and retain and grow its relationshipswith existing merchants, including Amazon, and consumers; Affirm’s need to maintain a consistently high level of consumer satisfactionand trust in its brand; the concentration of a large percentage of Affirm’s revenue with a single merchant partner; Affirm’sability to sustain its revenue growth rate or the growth rate of its related key operating metrics; the highly competitive nature ofAffirm’s industry; the terms of Affirm’s agreements with its originating bank partners; Affirm’s existing funding arrangementsthat may not be renewed or replaced or its existing funding sources that may be unwilling or unable to provide funding to it on termsacceptable to it, or at all; Affirm’s ability to effectively underwrite loans facilitated through its platform and accurately pricecredit risk; the performance of loans facilitated through Affirm’s platform; changes in market interest rates; Affirm’s abilityto grow effectively through acquisitions or other strategic investments or alliances, including its partnership with Amazon; and otherrisks that are described in Affirm’s Quarterly Report on Form 10-Q for the fiscal quarter ended March 31, 2021 and in its otherfilings with the U.S. Securities and Exchange Commission.