The main differences between Affirm and Afterpay are:– Affirm offers more flexible installment plan options, with 3, 6, or 12 month terms, while Afterpay only has a fixed 4 installment plan over 6 weeks.– Affirm does not charge late fees, but may have interest rates up to 30% APR, while Afterpay charges a late fee plus an additional if the payment is unpaid for 7 days.– Affirm performs a soft credit check, while Afterpay does not conduct any credit checks.– Affirm has better direct integrations with major ecommerce platforms compared to Afterpay’s reliance on third-party extensions and plugins.