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Is Affirm Down?

No — Affirm is up
Affirm's status page
Operational · no open incidents
FlareWarden checks
Website reachable · 8 of 8 regions · 214 ms

Right now

The verdict is the worse of these two. How we decide

Affirm's status page

status.affirm.com · read · checked every 3 minutes

Operational
Affirm's components, as its status page reports them
ComponentStatus
USOperational
UKOperational
AUSOperational
USOperational
UKOperational
USOperational
UKOperational
USOperational
UKOperational
USOperational
UKOperational
USOperational
12 more, all operational · show all 24
All of Affirm's components
ComponentStatus
Affirm Checkout
USOperational
UKOperational
AUSOperational
Affirm Charges API
USOperational
UKOperational
Merchant Operations
USOperational
UKOperational
Affirm.com
USOperational
UKOperational
Affirm Sandbox
USOperational
UKOperational
Affirm Virtual Card Network
USOperational
UKOperational
Affirm Mobile App
USOperational
UKOperational
Affirm Promotional Services
USOperational
UKOperational
Affirm Purchase API
USOperational
UKOperational
Affirm Transactions API
USOperational
UKOperational
Affirm Prequalification
USOperational
UKOperational
AUS - Platforms / Payment Gateways
AUS - Shop Pay InstallmentsOperational
21 locations All operational

FlareWarden checks

affirm.com from 8 regions · when you open this page (at most every 30 minutes), otherwise every 6 hours

Reachable
Regions up
8 of 8
Response
214 ms
Checked

By region

  • Ashburn reachable, 288 ms
  • Chicago reachable, 77 ms
  • Frankfurt reachable, 68 ms
  • Johannesburg reachable, 467 ms
  • London reachable, 65 ms
  • Los Angeles reachable, 125 ms
  • São Paulo reachable, 403 ms
  • Tokyo reachable, 223 ms
Timing by region
Connection timing for each region that loaded the page
RegionDNSTCPTLSTTFB
Ashburn182 ms20 ms22 ms263 ms
Chicago41 ms1 ms6 ms65 ms
Frankfurt21 ms2 ms14 ms56 ms
Johannesburg432 ms1 ms6 ms451 ms
London17 ms3 ms8 ms46 ms
Los Angeles80 ms4 ms6 ms112 ms
São Paulo356 ms2 ms9 ms387 ms
Tokyo187 ms1 ms8 ms213 ms
We check that affirm.com loads, not every feature behind it. Test it yourself

History

Incidents Affirm reported

Since Oct 22, 16 days · from status.affirm.com

Incidents
1
Major or critical
0
Median to resolve
1h 25m
  1. lasted 1h 25m

Affirm website availability

Measured by FlareWarden · affirm.com

Last 7 days
100%
Last 30 days
100%
Last 90 days
100%
Avg response, 30 days
165ms

Last 30 days

90-day clean streak
Oct 8: 100.00% uptime, 32 checks
Oct 9: 100.00% uptime, 32 checks
Oct 10: 100.00% uptime, 32 checks
Oct 11: 100.00% uptime, 32 checks
Oct 12: 100.00% uptime, 32 checks
Oct 13: 100.00% uptime, 32 checks
Oct 14: 100.00% uptime, 32 checks
Oct 15: 100.00% uptime, 32 checks
Oct 16: 100.00% uptime, 30 checks
Oct 17: 100.00% uptime, 32 checks
Oct 18: 100.00% uptime, 32 checks
Oct 19: 100.00% uptime, 32 checks
Oct 20: 100.00% uptime, 32 checks
Oct 21: 100.00% uptime, 32 checks
Oct 22: 100.00% uptime, 32 checks
Oct 23: 100.00% uptime, 32 checks
Oct 24: 100.00% uptime, 32 checks
Oct 25: 100.00% uptime, 32 checks
Oct 26: 100.00% uptime, 32 checks
Oct 27: 100.00% uptime, 32 checks
Oct 28: 100.00% uptime, 32 checks
Oct 29: 100.00% uptime, 32 checks
Oct 30: 100.00% uptime, 32 checks
Oct 31: 100.00% uptime, 31 checks
Nov 1: 100.00% uptime, 32 checks
Nov 2: 100.00% uptime, 32 checks
Nov 3: 100.00% uptime, 31 checks
Nov 4: 100.00% uptime, 32 checks
Nov 5: 100.00% uptime, 32 checks
Nov 6: no data
Oct 8 Today
No downtime Partial Downtime Not measurable No data

Measured by FlareWarden's own checks of affirm.com from multiple regions every 6 hours. Affirm's status page sets the verdict above when it reports trouble, but never these figures. Percentages count only checks that returned an availability answer — 90 days measured so far. A dash means that window does not yet hold enough measured days to publish a figure.

What Affirm does

Affirm offers instalment financing at checkout, letting shoppers split a purchase into scheduled payments while the merchant is paid up front. It sits inside the checkout flow of retailers and marketplaces, so an outage does not degrade a store: it removes a payment method mid-purchase and loses the sale.

What an outage looks like

The Affirm option fails to appear at checkout, or appears and then errors when selected, leaving the basket intact but unpayable. Prequalification hangs without returning a decision. Existing customers cannot open the Affirm app to view or make payments. Merchant-side API calls for charges and transactions fail, so orders stall between authorisation and capture.

What to do about it

Check status.affirm.com, which reports Affirm Checkout, Prequalification, the Purchase, Transactions and Charges APIs, the mobile app and the platform integrations (Shopify, BigCommerce, WooCommerce, Wix) separately, split by US, Canada and UK. Leave other payment methods enabled so checkout still completes. Avoid retrying a charge that may have authorised, since duplicate authorisations hold a customer's credit twice.

Is it down for everyone, or just you?

If this page says Affirm is up but it is not loading for you, the problem is between you and them. Run a check against any URL from up to 17 cities across three regions to find out where it breaks.

Test it yourself

Related services

Affirm outage FAQ

Is Affirm down or was I declined?
A decline returns a decision explaining that financing was not approved, which is a normal outcome rather than an error. An outage produces a spinner that never resolves or a generic failure. Check status.affirm.com and specifically the Prequalification component. If Affirm is healthy, the answer came from underwriting and retrying immediately will not change it.
Will my scheduled payments still be taken during an outage?
Payment schedules are held by Affirm and are not cancelled by an availability incident, so instalments are processed on their normal dates. What an outage blocks is your ability to view the schedule or make an early payment through the app. If a due date falls inside a long incident, contacting Affirm afterwards is the sensible route.
Why has Affirm disappeared from a store's checkout?
Merchants integrate Affirm through platforms such as Shopify, BigCommerce, WooCommerce and Wix, each reported as its own component. When the integration fails, the option is typically hidden rather than shown broken, so the checkout simply offers fewer methods. That is deliberate: a hidden option loses a sale, while a broken one loses the whole basket.
Should merchants retry a failed Affirm charge?
Not blindly. The Charges and Transactions APIs are separate components, and a call that timed out may still have authorised. Retrying can place a second hold against the customer's approved amount, which is visible to them and hard to explain. Query the transaction status once the API recovers, then act on what actually exists.
Does an Affirm outage affect my credit or existing loans?
No. An availability incident does not change loan terms, balances or reporting. Loans already originated continue on their schedule and nothing about the outage is recorded against you. The effect is limited to not being able to reach the service, whether that is applying at checkout or opening the app to check a balance.

How we measure this

  • We request Affirm's public endpoint every 6 hours from Fly.io regions across six continents — the most recent check ran from 8 of them. When you open this page and our last check is more than 30 minutes old, we check again on the spot; those checks update the verdict, never the availability figures.
  • A region counts as down only when it gets no usable HTTP response. A 403 or 429 means the origin answered and refused us, which we report as blocked, never as an outage.
  • A single failing region is treated as probe noise. Our checks only change their verdict when two consecutive cycles agree.
  • Response times average only the regions that actually served the page, so a timeout never inflates the number.
  • Where Affirm publishes an official status feed we read it too, and the verdict is the worse of what it reports and what our checks see: a major outage of Affirm itself is Down, trouble with one part of it is Degraded, problems at a few of a provider's many locations change nothing, and a security notice that marks nothing down is shown but changes nothing either. We check the feed every 3 minutes and read it again within minutes of any change to its incidents or components; a reading counts for 45 minutes after the last check that found nothing changed. The availability figures above are our measurement alone.

Get alerted when Affirm goes down

We check Affirm every 6 hours, and again when you open this page if that was more than 30 minutes ago. Your own monitors run as often as every 30 seconds, from up to 17 cities across three regions, and tell you the moment something breaks.

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