30+ Day Delinquency Performance Against Select Consumer Lenders Affirm Delinquencies of 30+ days as % of Monthly Installment Loan Active Balances Ex-Peloton % Non-Prime Receivables Issuer C 43% 6.0% Issuer A 28% Issuer D 31% dv01 index n.a. 4.0% Issuer B 20% Affirm 42% 2.0% 4% 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 Issuer A Issuer B Issuer C Issuer D dv01 Consumer Unsecured Index Affirm Notes: Select consumer lenders include Bread Financial, Capital One, Discover, and Synchrony Financial. Non-Prime receivable mix as of June 30, 2024 or most recently available period based upon publicly available data. Non-Prime is generally defined as a FICO score below 650 to 660. U.S. loans only. Affirm 30+ day delinquencies and non-Prime Receivables mix excludes Pay in X and Peloton loans. The dv01 consumer unsecured index looks at over 4.9 million active loans from leading U.S. online consumer lenders. dv01 delinquency data is owned by, 29 and used with the permission of, dv01, Inc. and may not be reproduced or redistributed outside of this letter without dv01, Inc.'s prior consent. dv01 data reflects 30+ day loan impairments, which includes delinquencies and loan modifications. dv01 data is subject to subsequent revisions.