Affirm Customer Care Phone Number: A Complete, Practical Guide

The verified Affirm customer care phone number in the United States is 855-423-3729. This toll‑free line connects you directly with Affirm’s support team for help with account access, payments, billing questions, disputes, fraud concerns, returns and refunds, and virtual card issues. If you are ever uncertain about a phone number you found online, confirm it at Affirm’s official Help Center: helpcenter.affirm.com.

Affirm, Inc. was founded in 2012 and provides pay‑over‑time financing at 0%–36% APR with no late fees and no prepayment penalties. When you call customer care, be prepared to verify your identity using the mobile phone number on your Affirm account and a one‑time code. For security, never share your full Social Security number, full debit/credit card details, or any codes you did not request yourself. If anything feels off, hang up and dial 855-423-3729 directly.

Phone Availability, Coverage, and What to Expect

Affirm’s 855-423-3729 line is toll‑free from U.S. and many Canadian carriers. If you are traveling internationally, the toll‑free number may not work from some countries or VoIP providers; use the Help Center (helpcenter.affirm.com) to initiate support via chat or request a callback. Call volumes are typically heaviest on Mondays and the first business day after a holiday, so midweek mornings often yield shorter waits.

Support hours are subject to change; check the Help Center for the latest schedule before calling. If you need to follow up on an existing case, have your case number handy so the agent can pull your file immediately. For urgent fraud or account‑takeover concerns, call as soon as possible and select the fraud/security prompts in the phone menu if available.

When to Call vs. Self‑Serve Options

Many common tasks are faster in the Affirm app or at affirm.com: updating autopay, changing a payment method, or reviewing a payoff quote can often be completed in under two minutes without waiting on hold. Returns and refunds also start with the merchant; Affirm will automatically update your loan once the merchant confirms the return, and you can track the status in your loan details.

Call 855-423-3729 when timing, eligibility, or security concerns make a human conversation the better path. This is especially true if you suspect fraud, need help with a nonstandard due‑date adjustment, are managing multiple loans and a partial refund, or must coordinate a merchant dispute with delivery or cancellation documentation.

• Account access issues: locked account, phone number changed, or trouble receiving verification codes.
• Billing questions: payoff amounts, interest calculations (Affirm uses simple interest), and autopay issues.
• Due‑date or payment‑plan help: exploring one‑time due‑date changes or hardship options when eligible.
• Refunds and returns: confirming timelines after a merchant processes a return or partial credit.
• Disputes: unauthorized charges, goods not received, or items significantly not as described.
• Security and fraud: suspected account takeover, identity theft, or unrecognized loan applications.

Prepare Before You Dial

Having a few specific details ready will make your call faster and more precise. Affirm identifies your account primarily by your mobile number and confirms your identity with a one‑time SMS code. If your phone number changed recently, be ready to explain when and what number was on the account so the agent can locate your profile and offer alternative verification.

For billing or dispute questions, exact data points allow the agent to review the correct loan and transaction quickly. Screenshots of order confirmations, tracking updates, or merchant correspondence can be uploaded later if the agent provides a secure link or case number, but capturing the key dates and amounts beforehand keeps the call efficient.

• Your Affirm account mobile number, full name, and date of birth; the last 4 digits of SSN may be requested for verification.
• Loan ID or merchant name, purchase total, and the date of purchase or expected delivery.
• Payment details: last payment date and amount, payment method (debit card or bank), and whether autopay is on.
• For returns/refunds: RMA or return case number, shipment tracking, and the merchant’s confirmation date.
• For disputes/fraud: what happened, when you noticed it, and any police/FTC identity theft report numbers if filed.

How the Call Flow and Verification Typically Works

After dialing 855-423-3729, you’ll navigate a brief menu to route your call. Keep your phone available to receive a one‑time code via SMS; agents generally cannot proceed without verifying that you control the phone number on the account. If you no longer have that number, the agent will walk you through alternative checks and next steps to recover access safely.

Once verified, the agent will open the relevant loan or order and review notes, payment history, and any merchant updates. If a deeper investigation is required—common for disputes and complex refund scenarios—you’ll receive a case number and a realistic timeline for the next update. Keep that case number; it anchors all future conversations and documents.

Payments, Due Dates, Refunds, and Disputes

Affirm loans feature transparent terms: APR can range from 0% to 36% depending on the offer, there are no late fees, and there’s never a prepayment penalty. If you need a payoff figure, the agent can confirm the amount and explain how simple interest is calculated. If autopay failed due to a card expiration or insufficient funds, the agent can help you update the payment method and confirm when the next attempt will occur.

For due‑date help, eligibility varies by loan and state. In many cases, a one‑time due‑date change or short extension may be available; call before the due date for the widest set of options. If you’re managing multiple concurrent loans, ask the agent to apply payments strategically or clarify which loan an extra payment will reduce.

With returns and refunds, the merchant must first confirm the return or cancellation. Once Affirm receives that confirmation, your loan balance is adjusted and any overpayment is typically sent back to your original payment method. Banks can take several business days to post refunds; keep your email and app notifications on, and save your tracking and RMA details in case the agent needs to escalate with the merchant.

Security, Fraud, and Identity Protection

If you see a loan or charge you don’t recognize, call 855-423-3729 immediately and state that you suspect fraud. The agent can lock access, review recent activity, and open a fraud case. If your phone number was compromised, ask about updating your number securely and enabling stronger sign‑in protections.

For identity theft, consider filing at identitytheft.gov (FTC) and contacting major credit bureaus to place a fraud alert or freeze. Keep copies of any police report or FTC affidavit; these documents often expedite resolution. Avoid responding to unsolicited calls or messages about your Affirm account—always initiate contact using the number and URLs listed here.

Official Resources, Apps, and Addresses

The fastest self‑service paths are the Affirm app (iOS/Android) and the Help Center at helpcenter.affirm.com. In the app, go to Help or Support to review FAQs, view loan details, manage payments, start a chat (when available), or request a callback. For web access, sign in at affirm.com and open your loan to view statements, payoff options, and refund status.

Corporate correspondence for Affirm, Inc. (not a payments or dispute mailing address) is 650 California Street, 12th Floor, San Francisco, CA 94108. For anything involving your specific loan, billing, or identity verification, start with the customer care line at 855-423-3729 or the Help Center so your case is logged and routed correctly.