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FAQs
How can I speak with someone at Affirm? ›
Purchase disputes and suspected fraud
If you want to report, or are notified of, suspected fraudulent activity, please contact us at (855) 423-3729. Our customer care agents are available 7:00 a.m. - 10:00 p.m. Central Time seven days a week.
You need a mobile phone number from the US or US territories. This helps us verify it's really you who is creating your account and signing in. When you create your account, we'll ask for your mobile number. Each time you sign in, you'll enter your number, and we'll text you a verification code.
Why is my Affirm not working? ›There may be several reasons for that: An outage that hasn't been communicated yet via the Affirm status page. Some local issues with a small group of accounts on the service side. Technical issues on your side, or problems with your software or ISP.
How do I open a dispute with Affirm? ›Click on the loan you'd like to dispute. If your loan is eligible, you'll be asked a series of questions to gather information about your purchase and your dispute. We'll ask you to upload evidence about your specific dispute. When you're finished filling out all fields and uploading evidence, click submit.
Does affirm Do cell phones? ›Affirm enables you to get the phone you want now by breaking the cost into monthly payments. (Subject to eligibility.
Can Affirm hurt your credit score? ›Affirm does address how its loans can impact consumers credit scores in its help section, noting that how much credit you've used, how long you've had credit, making late payments and your payment history with Affirm could affect your score.
Can you have 2 Affirm accounts with same phone number? ›Note that a phone number can be tied to one account only. If you're told that your phone number is already being used, please contact us using the form below.
What will happen if you don't 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. Charge-offs may appear on your credit report and must still be repaid.
Why can't Affirm verify my identity? ›Unfortunately Affirm's decision is final. Why was I asked to verify my identity? 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 is Affirm halted? ›Affirm Halts Bond Sale Due to Market Volatility - Bloomberg.
How do I win a payment dispute? ›
Most chargebacks are illegitimate, and illegitimate chargebacks can be reversed. In order to achieve this, you'll need to gather compelling evidence that the transaction was valid and authorized. You'll also need to prove that you fulfilled your end of the sales agreement and the cardholder got what they paid for.
How can I dispute a transaction on my account? ›Fraudulent charges: Call your credit card issuer, ask it to remove the charges and request a new card. Billing errors: Contact the merchant first to try to resolve the issue, then reach out to your credit card issuer to dispute the charge if you're unable to resolve it directly.
Can you use Affirm to pay bills? ›Can I use Affirm to pay bills? No. Affirm's terms of use prohibit using an Affirm loan to pay other debt, such as your credit card bill. And you can't use Affirm to pay utilities or other bills, either.
Does Affirm build credit? ›When you borrow with Affirm, your positive payment history and credit use may be reported to the credit bureaus. This can help you build credit with the credit bureaus as long as you make all of your payments on time and do not max out your credit.
Is Walmart with Affirm? ›Shopping at Walmart has just got a whole lot easier and more affordable. With the introduction of Affirm, shoppers can now purchase items in-store and online and pay for them over time with fixed monthly payments.
What information does Affirm need? ›Affirm asks for a few pieces of personal information: Name, email address, mobile phone number, date of birth, and the last four digits of your social security number. Affirm verifies your identity with this information and makes an instant loan decision.
Does Affirm have to approve you? ›Affirm doesn't specify what credit score you'll need to qualify. Again, qualification is based on your overall credit history, your history with Affirm, and current economic conditions. But generally, the better your credit, the easier it may be to get approved for a point of sale installment loan.