Receive Affirm verification SMS online

What it is

Pay-over-time loans at checkout (US)

Sign-in

Mobile number plus a one-time code

Identity

Name, date of birth, address and SSN details checked

Credit

A soft check to see offers; loans can be reported to credit bureaus

Payments

Scheduled; reminders by text, email and app

Changing number

Done through Affirm, with identity checks

The number is the login

Affirm signs you in with your mobile number and a code texted to it. There is usually no password to fall back on. In practice, whoever receives texts to that number can get into the account, subject to Affirm's other checks.

That puts the number at the centre of the account's security. It should be a number you will hold for years, protected by your carrier's account PIN against SIM swaps.

People most often use one of our numbers for Affirm to:

• Not recommended: Affirm is a credit account whose login is your phone number

Many apps expect the number you keep. We help with the cases above; we do not help anyone reach an account that is not theirs — see our acceptable use policy.

It is credit, in your name

Each Affirm plan is a loan. To offer one, Affirm checks your identity, including your name, date of birth, address and Social Security number details, and may run a soft credit check that does not affect your score. Some loans are reported to credit bureaus, so on-time payments and late ones can show up on your credit report.

None of that works with details that are not yours. An application that does not match your identity will simply be declined, and applying for credit as someone else is fraud.

Changing your number the right way

If you are switching carriers or numbers, update the number in Affirm while you still have the old one. Affirm may ask you to confirm your identity for the change. If the old number is already gone, contact Affirm support and expect identity checks. They are there to keep someone else from taking the account.

Carriers reassign numbers. A number you abandon with an Affirm account still attached is an open door for its next owner.

Payments and reminders

Affirm sends payment reminders and receipts by text, email and app notification, and you can turn on AutoPay. If the number on file stops working, you lose one of the channels that tells you a payment is due. Keep the number current and check the app before each due date.

Code requests and fake offers

Because the code is the key, attackers call or text pretending to be Affirm, a store or a delivery company, and ask you to read back a code "to verify" something. Never do. Also be wary of messages offering pre-approved Affirm loans through links. Go to the Affirm app or affirm.com yourself.

Installing Affirm and verifying the number

When the code does not arrive

In order of how often each one is the real cause:

1. The sign-in code did not arrive
   Check signal and number, wait, and request again. Some number types are refused.
2. You changed numbers and cannot sign in
   Contact Affirm support and be ready to confirm your identity.
3. Your application was declined
   Affirm decides per purchase based on identity and credit. Details must be yours and accurate.
4. Someone called asking for your Affirm code
   Hang up. It is an account takeover attempt.
5. You missed a payment reminder
   Check the number and email on file, and turn on AutoPay.

Working out which case you are in

1. Is the number your own long-term US mobile? Yes Use it for Affirm. No Do not open a credit account on it.
2. Are you changing numbers? Yes Update Affirm first, while the old one works. No Keep it protected with a carrier PIN.
3. Is AutoPay on? Yes Good. No Turn on reminders at least.
4. Did anyone ask for a code? Yes Refuse. No Carry on.

Before you request another code

• Use your own US mobile
• Add a carrier PIN against SIM swaps
• Turn on AutoPay or reminders
• Update the number in Affirm before changing it
• Never share a code
• Open offers only from the app or affirm.com

Which kind of number to use

Checked 2026-09-28 by the FreeSmsOtp team. Prices, stock and delivery figures on this page are live and come from our own orders — how we measure.

Countries with Affirm numbers now

Refreshed every hour. How we measure delivery.

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Questions