Affirm Holdings, Inc., the payment network that empowers consumers and helps merchants drive growth, is expanding the credit reporting of its pay-over-time products to TransUnion, the companies jointly announced today. All Affirm pay-over-time loans issued from May 1, 2025 onward, including Pay in 4 and longer-term monthly installments, will be reported to TransUnion.

"Affirm is committed to protecting and empowering consumers through our products and practices - from having no late or hidden fees to supporting positive credit outcomes through responsible lending," said Libor Michalek, Affirm's President. "Including all loans in a consumer's credit profile is a crucial step toward making Affirm's honest financial products even more mainstream. We look forward to TransUnion’s partnership as we continue to drive greater adoption of Affirm and further our position as the most pro-consumer provider in the industry, offering unmatched flexibility and transparency.”

TransUnion research found nearly 40% of consumers who haven’t used buy now, pay later are likely or very likely to use them in the future. Notably, a higher 53% of non-users would be likely or very likely to use them if it had the potential to have a positive impact on credit scores.

“Affirm’s loan furnishing to TransUnion is an exciting milestone for the industry,” said Steve Chaouki, President, U.S. Markets and Consumer Interactive, TransUnion. “Millions of consumers use Affirm’s pay-over-time financing and they deserve to get credit for their payment behavior.”