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FAQs
How do I speak to a live person at Affirm? ›
To send an email, tap or click the 'Contact us' button below to submit a form. Call us at 855-423-3729 between the hours of 8:00 am and 11:00 pm Eastern Time seven days a week. Chat with us between the hours of 7:00 am and 7:30 pm Eastern Time Monday - Friday.
Why can't Affirm confirm my information? ›If Affirm has difficulty confirming your identity, you may need to provide more information. Affirm uses modern technology to confirm your identity, including verifying your address or full SSN, or requesting a photo of your ID.
Why won't Affirm approve me anymore? ›Your loan application may be affected by any or all of the following: Your credit score. Your credit utilization. Your payment history with Affirm, including overdue payments, deferred payment, and loan delinquency.
Why is my Affirm not working? ›Checkout errors can occur due to a number of reasons, examples being improper integration, configuration, using the incorrect API key, or your account not being yet set live.
How do you resolve problems with Affirm? ›Click on the loan you'd like to dispute and navigate to the Details section. Click Dispute this purchase at the bottom of the page. Complete all required fields and provide as much detail as possible to help our team resolve the issue faster.
How do I connect to Affirm? ›Go to affirm.com or open the Affirm app, then click or tap Sign in. Enter the mobile number you used to create your account, then click Continue or tap Confirm. Enter the 4-digit code we texted to that mobile number.
What is the minimum credit score for Affirm? ›Loan limits vary by merchant and will depend on your credit record and payment history with Affirm. The lender has no minimum credit score to qualify for a loan, and checking whether you prequalify will not damage your credit score.
Will Affirm ever approve me again? ›Past loans through Affirm do not guarantee future approvals. Each loan is considered separately, and it's important to keep certain factors in mind: Your history with Affirm, including the number of loans you currently have with us, late or deferred payments or current or previous loans, and any charged-off loans.
What bank is behind Affirm? ›Loans through Affirm are made by Cross River Bank, Member FDIC; Celtic Bank, Member FDIC; or Affirm Loan Services, LLC. Affirm savings accounts are held with Cross River Bank, Member FDIC. Debit+ Banking Services are provided by Evolve Bank & Trust, Member FDIC.
How do I get Affirm to approve? ›Make sure you meet all eligibility requirements, including age and residency. Be aware of your credit history, including your current score and debt obligations, both with Affirm and other creditors. Help us understand your financial situation better by verifying your income. Consider the size of your loan request.
What happens if you never pay Affirm? ›
Affirm never charges late fees, but if you've stopped making payments for more than 120 days, we may charge off your loan. Once a loan has been charged off, it may be sent to a third-party collections agency at any time.
Is Affirm having technical difficulties? ›Is Affirm down today? According to its status page Affirm is currently up.
How do I regain access to Affirm? ›If you've previously closed your Affirm account and would like to reopen it, reach out using the 'Contact us' button below and we'll get back to you. Note that in some cases we may not be able to reactivate your account, and reopening an account does not guarantee loan approval.
What doesn t qualify for Affirm? ›You can't use loans through Affirm for:
Illegal items and activities. Weapons, including firearms, ammunition, certain firearm parts or accessories, and certain knives or other weapons regulated under applicable law. Narcotics and drug paraphernalia. Currency, including cryptocurrency.
In app - live chat
Start a conversation with one of our experts to get assistance in real-time.
Pay with Affirm, in-store or online, just about anywhere. With a virtual card, you can pay over time at more stores than you think. (Even if you don't see them here on our site.)
Can I refer someone to Affirm? ›All referrals welcome
Introduce us and enjoy the rewards of our Partner Referral Program.
As security experts who have used Affirm several times, we've found that Affirm is generally safe. So, yes, it's a real payment option from a trusted fintech company. However, we also noticed several things that might make Affirm risky for some customers.