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  "authorName": "Affirm",
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      "kind": "source-note",
      "text": "Notes:\n1. US loans only, excludes Pay in 4 (formerly known as Split Pay) loan transactions with 0% APR and 6-8 week term lengths\n2. Metrics are unaudited",
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      "text": "30+ Days Delinquent\nFY 2018 3.9% 3.8% 2.9% 2.6%\nFY 2019 2.9% 2.5% 2.0% 1.9%\nFY 2020 2.5% 2.1% 1.9% 1.1%\nFY 2021 0.8% 0.8% 0.7% 0.9%\nFY 2022 1.5% 1.6% 2.1% 2.1%\nFY 2023 2.7% 2.4% 2.3% 2.1%\n60+ Days Delinquent\nFY 2018 2.3% 2.2% 1.7% 1.4%\nFY 2019 1.6% 1.4% 1.2% 1.1%\nFY 2020 1.4% 1.2% 1.1% 0.8%\nFY 2021 0.5% 0.4% 0.4% 0.5%\nFY 2022 0.9% 0.9% 1.2% 1.2%\nFY 2023 1.6% 1.5% 1.4% 1.2%\n90+ Days Delinquent\nFY 2018 1.0% 1.0% 0.8% 0.6%\nFY 2019 0.8% 0.7% 0.5% 0.5%\nFY 2020 0.6% 0.6% 0.5% 0.4%\nFY 2021 0.2% 0.2% 0.2% 0.2%\nFY 2022 0.4% 0.4% 0.5% 0.5%\nFY 2023 0.7% 0.7% 0.6% 0.5%",
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      "text": "Delinquency Rates Ex-Pay in 4",
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