If you're calling from a number associated to an Affirm account, please check the verification code we just texted you. Using your keypad. Please enter the verification code now."
For payments, press one. For refunds, lost orders, or to dispute a purchase, press two. To update your personal information, press three. To discuss a recent decline, press four. To report potential fraud, press five. If you're having trouble accessing your account, press six."
This is Affirm's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Affirm agent. This phone number is Affirm's best phone number because 21,750 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 855-423-3729 include Account Access, Make a Payment, Payment Arrangement, Denied Application, Problem With a Payment and other customer service issues. The Affirm call center that you call into has employees from Wilmington, DE / Philippines and is open 24 hours, 7 days according to customers. In total, Affirm has 1 phone number. It's not always clear what is the best way to talk to Affirm representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.
CallHelpdesk does not provide call center services or customer support operations for Affirm. The two organizations are not related. CallHelpdesk builds free tools and shares information to help customers of companies like Affirm. For large companies that includes tools such as our CallHelpdesk Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.
You can use our free service; it'll call and speak with customer service for you, then send a report. Or, try our free service that waits on hold and tells you when a human rep is on the line. If neither of those sounds good, our team's also documented the Affirm phone menu below.
We'll call and talk to Affirm for you. Our AI-powered phone can easily dial, navigate through the phone menu, wait on hold, and even talk to customer service for you, all for free. You won't even need to worry about figuring out the various phone options. Want to learn more about how we can call for you?
We can actually get a live person on the phone for you. Our free CallHelpdesk Phone service can handle the calling, menu navigation, and waiting on hold for you, though you're always welcome to do all the talking yourself. We'll let you know the moment a rep is on the line, ready to chat. That way, you won't need to worry about menu options or navigating that phone maze. Want to learn how to skip the hold time? And hey, we totally get it if you prefer to do all the dialing, waiting, and talking yourself. Remember, all these free tools are completely optional. Our CallHelpdesk researchers regularly call this Affirm phone number to document the phone system. Here's how our research team describes Affirm's phone system greeting: "Thank you for calling Affirm. This call may be recorded for training and quality assurance purposes. If you would not like to speak on the phone, please visit our Help Center online for informational articles and additional ways to contact us. If you'd like to make a payment, press 1. If you're calling about a refund, press 2. Otherwise, press 3 or stay on the line." And here's our latest tip for getting through the phone menu to a real person super fast: Once you call this number, it'll text you a code if your phone is registered with the account. Then, just enter the 4-digit code. When it asks what you're calling about, simply say "Agent," and you'll be connected right away! Below, you'll find some clips we've gathered from Affirm's phone menus, along with tips that should give you a good idea of what to expect when you call. We've also pointed out why each one is important.
Thanks for calling Affirm. Just so you know, we might record your call for quality and training. Our customer care line is closed right now. You can reach us any day of the week, though, between 8 AM and 11 PM Eastern Time. Please stay on the line if you'd like to use our self-service system. Otherwise, the quickest way to get answers is to visit affirm.com/help. If you're calling from a number linked to an Affirm account, please check for the verification code we just texted you. Using your keypad, please enter that code now.
You can ask about an Affirm card transaction, make a payment, a recent declination, or update your account information. It's from a call with Affirm Friday, February 16, 2024, 10:20 AM.
Thanks for calling Affirm! This call might be recorded for training and quality assurance. Alright, let's head to the main menu. Just use your keypad to choose from these options. For payments, press one. For refunds, lost orders, or to dispute a purchase, press two. To update your personal info, press three. To discuss a recent decline, press four. To report potential fraud, press five. Having trouble accessing your account? Press six. Excerpt from a call with Affirm Monday, June 3, 2024 8:35 PM
Affirm's call center for 855-423-3729 is open 24/7. You should call on a Sunday. This observation comes from analyzing 1,879 calls made in the last 90 days using our free, web-based phone (see above).
Our free AI-powered phone can call, talk, wait on hold, or navigate for you. You can even schedule your call with Affirm for a time they're open and it works for you. We'll confirm you're ready before placing the call, just in case. So, you can 'set it and forget it' ahead of time, and schedule that call with Affirm! Now, an important note about 'busy times' vs 'hold times' vs the 'best time to call'. When we talk about 'busy' or 'less busy' times, we're referring to the volume of calls. The busiest times mean the most people are calling this Affirm phone number; least busy times have fewer people calling. However, high call volume doesn't necessarily mean you'll have a long hold time. Companies like Affirm staff their call centers differently throughout the day and week. So, you might find a shorter wait on hold even during the busiest times. The 'best time to call' means the optimal combination of lower call volume and shorter wait times.
Sunday is the least busy day to call Affirm. Monday, conversely, is the busiest, averaging 124% more phone calls. We've based this on a sample of 1,879 calls made with our AI-powered, web-based phone in the last 90 days. Sun Quietest Mon Busiest Tue Wed Thu Fri Sat Sun Quietest Mon Busiest
We've found that Sunday generally has the shortest hold times. On average, the longest wait in the queue happens on Tuesday, which is a significant 135% longer than that minimum. You'll notice there's more fluctuation in hold time throughout the week than there is in call volume itself. But honestly, if you use our free call and talk for me or wait on hold for me service, you really don't need to worry about those average wait times. So, remember: call and talk for me, wait on hold for me – Sunday's shortest, Tuesday's longest.
So, Sunday's definitely the best day to call Affirm. It's a total no-brainer! Sunday isn't just the least busy day for calling them; it also has the shortest hold times.
If you've got time to do some reading before calling Affirm, we recommend checking out our problem-specific articles. How do I recover my Affirm account?
Affirm lets you buy now and pay later, with credit limits based on eligibility. To recover a closed account, just update your mobile number or reach out to Affirm for assistance. What is the interest rate for Affirm loans?
Affirm loan interest rates can vary quite a bit, depending on factors like your creditworthiness, the loan amount you need, and how long you choose to repay it. Typically, Affirm offers rates anywhere from 0% to 30%. Want to see if you're eligible and what your rate might be? You can quickly and easily prequalify right on the Affirm website or through their mobile app. The best part? Prequalifying won't hurt your credit score, and in just minutes, you'll get loan offers showing your interest rate and all the other terms. Affirm really wants to give you clear financing options, making it easy for you to compare and pick the loan that truly works for your needs and budget. So, how do you actually make a payment on Affirm?
You'll always get a reminder each time your Affirm payment is due. Here are some helpful tips to make your payments easy, too. Top Affirm customer service problems
You can click the link above for answers to nearly any Affirm customer service question, including step-by-step guides for even the most complex issues. You can also describe a new issue and get instant answers. Here's a sample of recent Affirm calls and their purpose. Do any of these sound like why you're calling? Someone was questioning payment plan charges, saying, "I don't remember charging these." That call lasted 4m 5s on Feb 10, 2025, at 7:59 PM. Another needed a refund for a double charge: "I need my money back that you guys charged me, like, the first time." That one took 12m 41s on Feb 10, 2025, at 5:10 PM. A quick call, 2m 17s on Feb 8, 2025, at 5:11 PM, was simply, "I need to pay my bill." Then there was an update payment information request: "But my bank account was hacked so I have to change give you my new card." This call lasted 27m 16s on Feb 7, 2025, at 9:44 PM. Someone had a payment deferral request, asking, "I needed to see if I could push a payment." That call lasted 14m 42s on Feb 7, 2025, at 5:20 PM.
There are other ways to contact Affirm customer service, not just by phone. We've listed the best options below, grouped by type.
You can email them for help at help@affirm.com. Emailing customer service isn't always your first choice, especially if your issue is urgent or time-sensitive. But email's a common way to communicate, and Affirm will reply to your email.
You'll find Affirm customer service help at helpcenter.affirm.com. However, accessing support through their website is usually a last, or sometimes only, resort. You might have to dig through help articles before you're 'allowed' to submit a problem via a form, and it rarely leads to a real-time conversation. That's why CallHelpdesk doesn't recommend this unless it's your only option.
Here's Affirm's top phone number, along with the current real-time wait you can expect and some handy tools to help you skip the phone lines and get straight to an Affirm agent. We know this is Affirm's best number because 21,750 customers, just like you, have used this contact info over the past 18 months and shared their feedback with us. When you call 855-423-3729, the customer care team can typically help with common issues like Account Access, Make a Payment, Payment Arrangement, Denied Application, Problem With a Payment, and other general customer service concerns. Customers tell us that the Affirm call center you'll reach has employees in Wilmington, DE / Philippines and is open 24 hours a day, 7 days a week. Affirm actually only has 1 phone number in total. Since it's not always clear how best to talk to Affirm reps, we started putting together this information based on suggestions from the customer community. Please keep sharing your experiences so we can keep making this free resource even better. Just to be clear, CallHelpdesk doesn't offer call center services or customer support operations for Affirm. The two organizations aren't related at all. Instead, CallHelpdesk creates free tools and shares info to help customers of companies like Affirm. For bigger companies, that includes tools like our CallHelpdesk Phone, which lets you call a company and skip waiting on hold to talk to a live human rep. We're always working on these tools to help customers like you (and us!) navigate those messy phone menus, long hold times, and general confusion that comes with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep at it.