Company: AFRM
Filing Date: 2025-02-28
Form Type: S-3ASR
Source: 0001820953-25-000025
Chunk: 2

Company: Affirm Holdings, Inc.
Filing Date: 2025-02-28
Form: S-3ASR
Chunk 2
---
 named in any supplement to this prospectus may offer and sell such securities from time to time. We will not receive any of the proceeds from the sale of securities by any selling securityholder.

If required, we will provide the specific prices and terms of these securities in one or more supplements to this prospectus at the time of offering. You should read this prospectus, any applicable prospectus supplement and any applicable free writing prospectus carefully before you make your investment decision.

Investing in our securities involves a number of risks. See “Risk Factors” on page

#### 8
, as well as the other information contained or incorporated by reference in this prospectus, any applicable prospectus supplement and any applicable free writing prospectus, before you make your investment decision.

We or any selling securityholder may offer securities through underwriting syndicates managed or co-managed by one or more underwriters or dealers, through agents or directly to purchasers. If required, the prospectus supplement for each offering of securities will describe the plan of distribution for that offering. For general information about the distribution of securities offered, please see “Plan of Distribution” in this prospectus.

Our Class A common stock is listed on The Nasdaq Global Select Market (“Nasdaq”) under the trading symbol “AFRM.” Each prospectus supplement will indicate whether the securities offered thereby will be listed on any securities exchange.

Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved of these securities or determined if this prospectus or any applicable prospectus supplement is truthful or complete. Any representation to the contrary is a criminal offense.

#### The date of this prospectus is February 28, 2025

### TABLE OF CONTENTS
|                                                      |     |    |     | Page |
| ABOUT THIS PROSPECTUS                                |     |  3 |     |      |
| WHERE YOU CAN FIND MORE INFORMATION                  |     |  4 |     |      |
| CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS |     |  5 |     |      |
| THE COMPANY                                          |     |  7 |     |      |
| RISK FACTORS                                         |     |  8 |     |      |
| USE OF PROCEEDS                                      |     |  9 |     |      |
| DESCRIPTION OF DEBT SECURITIES                       |     | 10 |     |      |
| DESCRIPTION OF CAPITAL STOCK                         |     | 11 |     |      |
| DESCRIPTION OF OTHER SECURITIES