Finance
Affirm
Buy now, pay later service that splits purchases into installment loans at checkout, used by millions of US shoppers.
What is Affirm?
Is Affirm down? Affirm is an American financial technology company founded in 2012 by Max Levchin, offering buy now, pay later (BNPL) installment financing at online and in-store checkout. Affirm is integrated as a payment option in the checkout flows of thousands of merchants including Amazon, Walmart, Shopify stores, Target, Best Buy, and Peloton, allowing consumers to split purchases into manageable installments with transparent terms and no hidden fees. Server issues with Affirm's systems have direct revenue impact on integrated merchants because Affirm failures at checkout cause customers to abandon transactions they intended to complete using installment financing.
Affirm's infrastructure serves as a real-time credit decisioning and payment processing intermediary, embedded invisibly within merchant checkout experiences. Every Affirm transaction requires a real-time credit check, loan origination decision, merchant payment settlement initiation, and customer communication — all completing within seconds at checkout. Affirm's scale — processing billions of dollars in gross merchandise volume annually — means its systems experience significant transaction load, particularly during peak e-commerce periods like Black Friday and Cyber Monday when many of its largest merchant partners are simultaneously driving record traffic.
When Affirm is down or not working, users commonly report the Affirm payment option not appearing in a supported merchant's checkout even when the account is in good standing, the Affirm pre-qualification or loan approval flow returning an error after completing all required fields, a loan application appearing to succeed but no confirmation email arriving, the Affirm app failing to load the payment schedule for existing loans, AutoPay enrollment failing to save a linked bank account or debit card, or the Affirm virtual card — used for in-store purchases — failing to generate during an active checkout.
Track Affirm server status and outage reports in real time on Outage.gg. If Affirm is not working, check the live Affirm status page to see if others are affected and get notified the moment Affirm is back online.
Common Affirm Problems
Issues users most frequently report when Affirm is having problems.
Login failures
Players are unable to sign in, receiving authentication errors or being stuck on loading screens.
Matchmaking problems
Unable to find or join matches, long queue times, or errors when trying to connect to game servers.
Disconnections mid-session
Getting unexpectedly kicked from active sessions, losing in-game progress or items.
In-game store & purchases
Cannot load the in-game store, complete purchases, or received items are not appearing in inventory.
Frequently Asked Questions
Common questions about Affirm outages and server status.
You can check the live Affirm server status at outage.gg/services/affirm. The page shows real-time community-submitted outage reports, an hourly trend chart, and the current health status.
Affirm can stop working for a number of reasons including scheduled maintenance windows, unexpected server failures, network infrastructure problems, or DDoS attacks. Check the live status page on Outage.gg for the latest community reports to see if others are experiencing the same issue.
Go to outage.gg/services/affirm and click the "Report an Issue" button. Your report is counted immediately and helps confirm whether a problem is widespread. Reports from multiple users trigger a status change visible to everyone watching the page.
Click the "Notify Me" bell button on the Affirm status page at outage.gg/services/affirm. Create a free account and we will send you an email the moment Affirm comes back online — no app download required.
Many services maintain official status pages with planned maintenance notices. Outage.gg aggregates real-time community-reported outages which often surface faster than official channels.
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Other services you might be tracking alongside Affirm.
