最有看点的互联网金融门户

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在线借贷平台Affirm获Morgan Stanley亿元注资

由PayPal联合创始人Max Levchin建立的创业企业Affirm主要为消费者提供在线金融服务,近日这家公司宣布获得来自Morgan Stanley的1亿美元借贷便利。

鉴于今年实现贷款量同比翻三倍的计划目标,Affirm决定利用上述这笔资金继续扩充线上线下的消费者终端金融产品和服务销售。

相比于传统的金融产品,Affirm的服务更加直接透明,用户甚至可以通过分期方式购买平台产品。与传统的FICO评分模式不同,Affirm利用先进的技术手段,通过对多个信息源内容的辨识实现对贷款人的资质和信用审查,大大扩充了平台的服务人群基数。

如今,Affirm共与750多家商家合作,为消费者提供灵活便捷的分期支付服务。信用卡透支常常会产生利息以及其他许多意料之外的费用,而这些问题在Affirm都是不会出现的。

Affirm, Inc., the company started by PayPal co-founder Max Levchin to deliver consumers honest financial products, today announced that it has obtained a $100 million lending facility from Morgan Stanley (NYSE: MS).

On pace to more than triple its year-over-year loan volume, Affirm will leverage the facility to continue its expansion of consumer-friendly point-of-sale financing at leading online and offline retailers.

Affirm offers consumers an alternative to traditional credit with a straightforward, transparent loan product that enables consumers to pay for purchases over time. Affirm uses proprietary technology to verify identity and assess credit risk in seconds by utilizing more sources of information than conventional FICO models, enabling it to provide financing to a broader set of consumers.

Today, Affirm partners with over 750 merchants to give shoppers the flexibility to buy now and make monthly payments for their purchases. Unlike credit cards with compounding interest and unexpected costs, Affirm customers know upfront exactly what they’ll pay — with no hidden fees and no surprises.


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