What Number Does Affirm Text From?

Affirm is a financial technology company that provides point-of-sale loans, allowing consumers to finance purchases over time through installment plans. Affirm uses text messages for various functions, such as verifying user identity or providing timely reminders about upcoming payments.

Official Affirm Communication Channels

Affirm employs specific, verified channels to communicate with its users, particularly through text messages. For general customer support and inquiries, Affirm’s official phone number is 855-423-3729. When it comes to text-based communication, particularly for security and account verification, Affirm typically uses designated short codes or specific phone numbers.

Some of the short codes identified for Affirm’s text communications include 24255 and 58083, often used for sending verification codes. Additionally, a number such as +17756288530 has been observed to send important account reminders and verification codes. It is important to recognize that these are the legitimate sources for Affirm’s text messages, and any communication from unlisted numbers should be viewed with suspicion. Affirm explicitly states they will never ask for sensitive information like PINs, One Time Passwords, or account passwords via phone or email.

Reasons Affirm Sends Text Messages

Affirm sends text messages for several legitimate reasons. One frequent purpose is sending account verification codes, often referred to as Multi-Factor Authentication (MFA) or One-Time Passwords (OTPs), which are crucial for logging into an account or confirming certain transactions. These codes add a layer of security to prevent unauthorized access.

Users can also expect to receive text messages for payment reminders or confirmations, ensuring they stay on track with their loan installments. This helps users avoid late payments and manage their financial obligations effectively. Affirm may also send security alerts if unusual activity is detected on an account. Furthermore, text messages can be used to provide updates on loan application statuses, deliver promotional offers if a user has opted in, or for customer service follow-ups related to specific inquiries.

Spotting Fraudulent Text Messages

Identifying fraudulent text messages, commonly known as SMS phishing or “smishing,” is a crucial step in protecting personal financial information. Scammers often use tactics designed to mimic legitimate communications, but several red flags can help distinguish a fake message from an authentic one. One common indicator is a generic greeting, such as “Dear Customer,” instead of addressing the recipient by name, which legitimate financial institutions typically do.

Suspicious links are another significant warning sign. While a text may contain a link, hovering over it (if possible on a desktop) or carefully inspecting the URL on a mobile device can reveal a non-Affirm domain, indicating a phishing attempt. Fraudulent texts frequently request personal information, such as passwords, full Social Security numbers, or bank account details, directly via text message. Affirm will never ask for such sensitive data through unsecure text channels.

Messages that employ urgent or threatening language, demanding immediate action to avoid severe consequences, are also highly suspicious. Scammers use this tactic to create panic and bypass rational thinking. Poor grammar, spelling errors, or awkward phrasing within the message can also indicate a scam, as reputable companies maintain high standards for their communications. Finally, text messages originating from unverified or unusual-looking phone numbers that do not match the official numbers Affirm uses should raise immediate concern. If an unsolicited PIN or verification code arrives without a user initiating an action, it is often a sign of a fraudulent attempt to access an account.

Action Steps for Suspicious Texts

Receiving a text message that appears to be from Affirm but raises suspicions requires immediate and careful action. The first step is to avoid clicking on any links or downloading any attachments, as such actions can lead to malware or fraudulent websites.

Do not reply to the suspicious message. Engaging with the sender confirms that the phone number is active and can lead to more scam attempts. Never provide any personal or financial information in response to an unsolicited text. Delete the message immediately. Blocking the sender’s number is advisable to reduce future unwanted communications. Reporting the scam attempt to Affirm through their official channels helps the company track and combat ongoing fraudulent activities.

Direct Support from Affirm

For any questions regarding text messages received, to verify their authenticity, or for general account support, reach out to Affirm directly through their official support channels. The primary customer support phone number for Affirm is 855-423-3729, available seven days a week from 8:00 AM to 11:00 PM Eastern Time.

Users can also find comprehensive support and contact options on Affirm’s official website, affirm.com. The website features a dedicated Help Center with articles and a contact form for email inquiries. Additionally, chat support is available through the website during specified hours. It is always recommended to use the official Affirm app or website for logging in or seeking assistance, rather than relying on links from unverified text messages, to ensure the security of personal and financial information.