Affirm Holdings Inc. has released a presentation highlighting the financial impact of its products on consumers compared to traditional credit cards. The analysis indicates that Affirm's offerings have a lower total cost of credit across the entire credit spectrum. Unlike many credit cards, Affirm does not charge late fees or hidden charges and makes real-time credit decisions for each transaction. The presentation suggests that in 2024, U.S. households could save between $58 and $840 by using Affirm instead of revolving credit card debt, potentially amounting to about $18 billion in total savings. The report also points out that revolving credit card debt is a significant burden for many consumers, with the average U.S. household carrying nearly $10,000 in such debt. You can access the full presentation through the link below.
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