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Affirm Customer Service Phone Number: Payments, Refunds & Fraud Help

Affirm is a buy now, pay later and installment-loan company used by shoppers to finance purchases, split payments, manage payment plans, use virtual cards, use the Affirm Card, and make payments through Affirm.com or the Affirm app. Customers may need Affirm support for payment problems, refunds, disputes, unauthorized activity, account access, credit reporting, merchant refunds, returned items, virtual card problems, Affirm Card issues, or complaints.

If you are looking for the Affirm customer service phone number, the main U.S. support number is 1-855-423-3729. Affirm also recommends signing in to your account and using the Help Center or “Get support” tools so support can see the correct payment plan, purchase, dispute, or account issue.

How to Contact Affirm Customer Service

Affirm Customer Service Phone Number: 1-855-423-3729
Phone Support Hours: 8:00 a.m. to 11:00 p.m. Eastern Time, seven days a week

Chat Support Hours: 7:00 a.m. to 7:30 p.m. Eastern Time, seven days a week
Best Support Path: Sign in to your Affirm account and use the Help Center or “Get support” for the issue
Affirm Help Center: Affirm Help Center
Affirm Contact Page: Affirm Contact Us
Disputes and Refunds: Affirm Disputes and Refunds
Dispute a Purchase: Dispute an Affirm Purchase
Report a Problem or File a Dispute: Affirm Problem and Dispute Help

Report Unauthorized Affirm Account or Plan: Report Unauthorized Activity
Report Unauthorized Payments: Report Unauthorized Affirm Payments
Refund Help: Get a Refund with Affirm
Returns and Cancellations: Affirm Returns and Cancellations
Credit Reporting Disputes: Affirm Credit Reporting Disputes
Affirm Card Help: Affirm Card Support
Affirm Account and Security Help: Affirm Account and Security
Affirm Merchant Support: Affirm Business Hub
Investor Relations: Affirm Investor Relations
Website: Affirm.com
Corporate Headquarters: Affirm Holdings, Inc., 650 California Street, 12th Floor, San Francisco, CA 94108
Corporate / Principal Office Phone: 1-415-960-1518 (corporate line, not the best number for routine customer support)

Important Note About Affirm Refunds

Affirm usually cannot issue a refund by itself until the store or merchant confirms the refund or cancellation. If you returned an item, canceled an order, never received the product, or were promised a merchant refund, contact the store first and keep proof of the refund request, return tracking, cancellation confirmation, or merchant message.

If the store cannot help or does not respond, sign in to Affirm.com, select the payment plan, and use the dispute or support tools tied to that purchase. You can also call Affirm customer service at 1-855-423-3729.

Important Note About Affirm Fraud and Unauthorized Activity

If you see an Affirm account, loan, payment plan, Affirm Card transaction, credit report item, or bank/card charge you do not recognize, report it quickly. Affirm says customers can report unauthorized activity through support, and calling 1-855-423-3729 is an important support path for potential fraud.

If you believe someone used your identity, email, phone number, bank account, card, or personal information to open an Affirm account or loan, also consider contacting your bank, card issuer, the credit bureaus, the FTC, and any merchant involved.

Best Way to Reach Affirm by Issue

Payments and Payment Plan Questions

For scheduled payments, missed payments, autopay, payment method changes, bank account issues, card payment failures, payoff questions, or payment-plan details, sign in to your Affirm account and select the specific plan. If you still need help, call 1-855-423-3729 or use the Help Center support tools.

Refunds, Returns, and Canceled Orders

For refunds, start with the store where you made the purchase. Ask the merchant to confirm the cancellation, return, or refund with Affirm. Keep return tracking, emails, screenshots, receipts, cancellation numbers, and merchant refund confirmations. If the merchant cannot help, open a dispute through your Affirm account.

Purchase Disputes

To dispute a purchase, sign in to Affirm.com, select “Manage,” choose the payment plan tied to the purchase, and use the dispute or order-issue tools. Common dispute reasons include not receiving the item, being charged the wrong amount, receiving the wrong item, merchant refund not being applied, or issues with a virtual card purchase.

Unauthorized Affirm Account or Loan

If an Affirm account or loan appears in your name without your authorization, use Affirm’s unauthorized activity support tools or call 1-855-423-3729. Keep copies of credit reports, emails, text messages, merchant information, transaction details, and any identity theft reports.

Unauthorized Payments or Unknown Charges

If you see an unexpected Affirm charge on your bank or card statement, sign in to Affirm and review your payment plans under “Manage.” If the charge does not match a purchase you recognize, report it to Affirm and contact your bank or card issuer. Unknown Affirm charges can involve a loan payment, down payment, Affirm Card purchase, virtual card transaction, or unauthorized account activity.

Affirm Card Issues

For Affirm Card transaction problems, declined transactions, fraud alerts, refunds, disputes, merchant issues, card security, or transaction verification, use Affirm Card support in the Help Center or your Affirm account. If you receive a fraud alert, follow Affirm’s verification steps and do not approve any transaction you do not recognize.

Virtual Card Problems

For Affirm virtual card issues, declined virtual cards, incorrect merchant amount, unused virtual card balance, canceled virtual cards, or a purchase that did not go through, use the Help Center and the specific payment plan or virtual card record. Keep screenshots from checkout and merchant communications.

Credit Reporting Questions

For credit reporting disputes, incorrect account reporting, unfamiliar Affirm activity on a credit report, or concerns about how a payment plan was reported, use Affirm’s credit reporting dispute tools. You may also dispute directly with the credit bureaus and include supporting documents.

Merchant or Business Support

Merchants that accept Affirm should use the Affirm Business Hub rather than the consumer support line. Affirm may not be able to discuss a customer’s private loan details with a merchant, so merchants and shoppers may each need to contact Affirm through their own support channels.

What to Have Ready Before Contacting Affirm

Affirm account email address and phone number
Merchant or store name
Order number or merchant receipt
Affirm payment plan ID or loan details, if available
Payment date, amount, and payment method
Bank or card statement showing the charge
Return tracking number, cancellation confirmation, or merchant refund confirmation
Dispute case number or support ticket, if available
Credit report screenshot or bureau dispute information, if applicable
Fraud report, police report, FTC IdentityTheft.gov report, or bank claim number, if applicable
Screenshots of checkout errors, declined payments, fraud alerts, emails, texts, or suspicious messages
Your requested resolution, such as refund review, payment correction, dispute review, fraud investigation, credit reporting correction, account recovery, or written explanation

Common Affirm Customer Service Issues

Affirm customers may contact support for help with:

Customer service phone number questions
Payment plan questions
Missed or failed payments
Refunds after returns or cancellations
Merchant refund not showing in Affirm
Purchase disputes
Unauthorized Affirm accounts or loans
Unknown Affirm charges
Affirm Card disputes or fraud alerts
Virtual card issues
Credit reporting disputes
Account login or phone number problems
Identity verification problems
Merchant checkout problems
Complaint escalation

Affirm Customer Reviews and Complaints on CSN

CustomerServiceNumbers.com currently has zero live reviews for Affirm. Because there are no live CSN reviews yet, there is not enough customer feedback on this page to summarize an Affirm customer-service trend.

If you have contacted Affirm about the customer service phone number, payments, refunds, disputes, unauthorized activity, Affirm Card, virtual cards, credit reporting, account access, merchant refunds, identity verification, or a complaint, you can leave a review below to help other customers understand what worked and what did not.

Affirm Refund and Dispute Tips

Contact the merchant first for returns, cancellations, and refunds.
Ask the merchant to confirm the refund or cancellation with Affirm.

Keep the return tracking number, refund confirmation, cancellation email, and merchant chat transcript.
Sign in to Affirm.com and open the payment plan tied to the purchase.
Use Affirm’s dispute tools if the merchant cannot help or the refund does not post correctly.

Continue watching your payment plan while the dispute or refund is being reviewed.
Ask Affirm for a case number and save all written responses.

Affirm Fraud and Account Safety Tips

Use Affirm.com, the Affirm app, or the official Affirm Help Center.

Be cautious of fake Affirm phone numbers in search ads, social media posts, emails, or text messages.
Do not share your password, one-time code, Social Security number, bank login, card details, or verification information with someone who contacts you unexpectedly.
Do not approve an Affirm Card fraud alert for a purchase you do not recognize.

If you receive a suspicious Affirm email or text, go directly to Affirm.com instead of clicking the link.
If someone opened an Affirm account or loan in your name, report it to Affirm and consider filing an identity theft report.
Check your credit reports if you see unfamiliar Affirm activity.

If money was taken from a bank account or card, contact your bank or card issuer immediately.

How to Escalate an Affirm Complaint

Start with the Affirm customer service phone number at 1-855-423-3729 or the support tools inside your Affirm account.
For refunds, contact the merchant first and ask for written refund confirmation.

For disputes, sign in to Affirm.com, choose the relevant payment plan, and open a dispute or order issue.
For unauthorized activity, report the issue to Affirm quickly and contact any affected bank, card issuer, merchant, or credit bureau.
Ask Affirm for a case number, dispute number, fraud claim number, or written explanation.

Keep screenshots, receipts, merchant messages, return tracking, bank statements, and credit report information.
If the issue involves credit reporting, use Affirm’s credit reporting dispute process and consider disputing with the credit bureaus.
If Affirm does not resolve the issue, consumers may consider filing a complaint with the Consumer Financial Protection Bureau, the FTC, their state attorney general, or their payment card issuer depending on the issue.

Affirm Compared with Other Buy Now, Pay Later Services

Affirm competes with buy now, pay later, installment-payment, and digital financing services such as Afterpay, Klarna, PayPal Credit, Sezzle, Zip, Apple Pay Later-style financing alternatives, Shopify Shop Pay Installments, and store-branded financing plans. Customers often compare these services based on customer service phone number access, refund handling, merchant dispute support, interest rates, credit checks, payment reminders, app tools, virtual cards, fraud protection, credit reporting, and complaint resolution.

Related Customer Service and Consumer Resources

Frequently Asked Questions About Affirm Customer Service

What is the Affirm customer service phone number?

The main Affirm customer service phone number is 1-855-423-3729. Affirm lists phone support hours as 8:00 a.m. to 11:00 p.m. Eastern Time, seven days a week.

Does Affirm offer chat support?

Yes. Affirm lists chat support hours as 7:00 a.m. to 7:30 p.m. Eastern Time, seven days a week. For the best support experience, sign in to your Affirm account before contacting support.

How do I get a refund from Affirm?

Contact the store first. Affirm says it cannot issue a refund or cancellation without confirmation from the merchant. If the merchant cannot help, sign in to Affirm and open a dispute for the payment plan tied to the purchase.

How do I dispute an Affirm purchase?

Sign in to Affirm.com, choose “Manage,” select the payment plan tied to the purchase, and use the dispute or order issue tools. Keep receipts, merchant messages, return tracking, and proof of the problem.

How do I report an unauthorized Affirm account or loan?

Use Affirm’s unauthorized activity support tools or call 1-855-423-3729. If identity theft may be involved, consider contacting the credit bureaus, your bank or card issuer, the FTC, and the merchant.

Why did Affirm charge my bank or card?

An Affirm charge may be a scheduled loan payment, down payment, Affirm Card transaction, virtual card purchase, or payment tied to a merchant order. Sign in to Affirm and review your plans under “Manage.” If you do not recognize the charge, report it to Affirm and contact your bank or card issuer.

Does Affirm report to credit bureaus?

Affirm has credit reporting help and dispute tools for customers who believe Affirm information on a credit report is wrong or unauthorized. You may also dispute directly with the credit bureaus.

What is Affirm’s corporate office address?

Affirm Holdings, Inc. lists its principal executive offices at 650 California Street, 12th Floor, San Francisco, CA 94108.

What is Affirm’s corporate office phone number?

Affirm Holdings, Inc. lists a principal office phone of 1-415-960-1518. This is not the best number for routine customer service, refunds, disputes, payment plans, or fraud support.

Is CustomerServiceNumbers.com affiliated with Affirm?

No. CustomerServiceNumbers.com is not affiliated with Affirm, Affirm Holdings, Inc., Cross River Bank, Celtic Bank, Shopify, PayPal, Klarna, Afterpay, Sezzle, the CFPB, the FTC, or any merchant. This page provides customer service contact information, complaint guidance, and a place for consumers to share their own experiences.

Why Trust CustomerServiceNumbers.com?

CustomerServiceNumbers.com has provided customer service contact information, complaint resources, and customer review pages since 2004. This page is designed to help Affirm customers find the correct customer service phone number and support path for payments, refunds, disputes, unauthorized activity, Affirm Card, credit reporting, account security, and complaints.

Share Your Affirm Customer Service Experience

Have you contacted Affirm about the customer service phone number, payments, refunds, merchant disputes, unauthorized activity, Affirm Card, virtual cards, account access, credit reporting, identity verification, fraud, or a complaint? Share your experience below to help other customers know what to expect.

Customer Service Numbers Disclaimer

CustomerServiceNumbers.com is not affiliated with Affirm, Affirm Holdings, Inc., Cross River Bank, Celtic Bank, Shopify, PayPal, Klarna, Afterpay, Sezzle, the CFPB, the FTC, or any merchant. Contact information and links are provided for consumer convenience and may change over time. Customer reviews and complaints are submitted by users and reflect their own experiences. This page is not financial, legal, credit, lending, fraud-recovery, identity-theft, or chargeback advice.

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