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LICENSES, NOTICES, AND RELATED DISCLOSURES

See consumer state notices and disclosures, by clicking the below links.

 * Affirm, Inc.

 * Affirm Loan Services, LLC

 * Affirm Payments, LLC

You can visit the NMLS Consumer Access website to verify the licensing status of
Affirm, Inc., Affirm Loan Services, LLC, and Affirm Payments, LLC.


AFFIRM, INC.

Affirm, Inc. is a Delaware corporation providing financial services with its
principal place of business located at 650 California Street, 12th floor, San
Francisco, CA 94108. 

Ohio Residents: The Ohio laws against discrimination require that all creditors
make credit equally available to all credit worthy customers, and that credit
reporting agencies maintain separate credit histories on each individual upon
request. The Ohio civil rights commission administers compliance with this law.

South Dakota Residents: Any improprieties in making this loan or in Affirm,
Inc.’s loan practices may be referred to the South Dakota Division of Banking at
1714 Lincoln Avenue, Suite 2, Pierre, SD 57501, phone number: (605) 773-3421.

Vermont Residents: THIS IS A LOAN SOLICITATION ONLY. AFFIRM, INC. IS NOT THE
LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN
CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT
LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.


AFFIRM, INC.

Nationwide Multistate Licensing System (“NMLS”) Identification: NMLS ID 1883087

State

Regulatory Agency

License

Arizona

Department of Insurance and Financial Institutions

Collection Agency License

No. CA-1004429

California

Department of Financial Protection and Innovation

Financing Law License

No. 6054768 

Colorado

Department of Law

Supervised Lender License

No. SUP-4000644

Hawaii

Department of Commerce & Consumer Affairs

Out-of-state Collection Agency Exemption

License No. COLAX-1098 

Idaho

Department of Finance

Regulated Lender License

No. RRL-10349

Illinois

Department of Financial & Professional Regulation

Collection Agency License

No. 017.022331

Iowa

Division of Banking

Loan Company Registration

No. 88893566

--------------------------------------------------------------------------------

Nonresident Regulated Loan Company

License No. NRR 2021-0019

Kansas

Office of the State Bank Commissioner

Consumer Credit Notification

No. NOT.0026773

--------------------------------------------------------------------------------

Supervised Lender License

No. SL.0026765

Louisiana

Secretary of State

--------------------------------------------------------------------------------

Office of Financial Institutions

Collection Agency Registration

No. 44019188I

--------------------------------------------------------------------------------

Licensed Lender License

No. 1883087

Maine

Department of Professional & Financial Regulation

Consumer Credit Notification - General Creditor

No. OCR14978

--------------------------------------------------------------------------------

Loan Servicer Registration

No. SVR14926

--------------------------------------------------------------------------------

Supervised Lender License

No. 1883087

Maryland

Office of the Commissioner of Financial Regulation

Collection Agency License

No. 8023

Massachusetts

Division of Banks

Small Loan License

No. SL 1883087

--------------------------------------------------------------------------------

Third Party Servicer Registration

No. LS 1883087

Minnesota

Department of Commerce

Collection Agency License

No. 40651544/40657284

Montana

Division of Banking & Financial Institutions

Consumer Loan License

No. 1883087

Nebraska

Department of Banking and Finance

Installment Loan Company License No. NE1883087-IL

New Hampshire

Banking Department

Small Loan Lender License

No. 23449-SM

New Jersey

Department of Banking & Insurance

Consumer Lender License

No. 2104670 C31

North Dakota

Department of Financial Institutions

Collection Agency License

No. CA103525

--------------------------------------------------------------------------------

Money Broker License

No. MB103524

Oklahoma

Department of Consumer Credit

Supervised Lender License

No. SL008676

Oregon

Division of Financial Regulation

Consumer Finance License

No. 0498-001-C

South Carolina

State Board of Financial Institutions

--------------------------------------------------------------------------------

Department of Consumer Affairs

Supervised Lender License

No. SL-1883087

Supervised Lender License

No. SLW1-1883087

--------------------------------------------------------------------------------

Consumer Credit Grantor Notification No. CGL-153053

South Carolina Consumer Pamphlet 

South Dakota

Division of Banking

Money Lender License

No. MYL.3415

Utah

Department of Commerce

--------------------------------------------------------------------------------

Department of Financial Institutions

Collection Agency Registration

No. 11431512-0131

--------------------------------------------------------------------------------

Consumer Credit Registration

Vermont

Department of Financial Regulation

Loan Solicitation License

No. LSO-1883087

West Virginia

State Tax Department

--------------------------------------------------------------------------------

Secretary of State

--------------------------------------------------------------------------------

State Tax Department

Business Registration/Collection Agency No. 2392-8932

--------------------------------------------------------------------------------

CSO Registration No. 498564

--------------------------------------------------------------------------------

Notification of Consumer Credit Sales or Loans

No. 2392-8932

Wisconsin

Department of Financial Institutions

Consumer Act Registration


AFFIRM LOAN SERVICES, LLC

Affirm Loan Services, LLC is a Delaware limited liability company providing
financial services with its principal place of business located at 650
California Street, 12th floor, San Francisco, CA 94108. 

Loans originated directly by Affirm Loan Services, LLC are made pursuant to
state law and may not be available in all states.  Loans may be originated by
other lending partners through Affirm.

For loans originated by Affirm Loan Services, LLC, eligible applicants may
choose to borrow $50.00 and up to $3,000.00 in some instances with select
merchants for repayment in four or fewer installments and will not pay any fees
or any interest for loans. Payment options may depend on loan amount. Affirm’s
Pay in 4 payment option is 0% APR. Iowa residents, see below disclosure.

California Residents: Affirm Loan Services, LLC is licensed by the Department of
Financial Protection and Innovation. Loans are made or arranged pursuant to
California Financing Law license 60DBO-111681.

Colorado Residents: Affirm Loan Services, LLC will originate unsecured
closed-end installment loans with 0-36% interest, subject to loan amount and
eligibility.

Iowa Residents: Affirm Loan Services, LLC will originate unsecured closed-end
installment loans with 0-36% interest, subject to loan amount and eligibility.

New Mexico Residents: TO REPORT A PROBLEM WITH THIS LENDER, YOU MAY WRITE OR
CALL Affirm Customer Care by mail at 30 Isabella Street, Floor 4, Pittsburgh, PA
15212, by email to help@affirm.com, or toll-free at (855) 423-3729. This lender
is licensed and regulated by the New Mexico Regulation and Licensing Department,
Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe,
New Mexico 87504. To report any unresolved problems or complaints, contact the
division by telephone at (505) 476-4885 or visit the website
https://www.rld.nm.gov/financial-institutions/ . See Affirm's full Loan Rates
and Fees disclosure. The following brochure also contains important consumer
information: New Mexico Consumer Information Brochure.

Ohio Residents: The Ohio laws against discrimination require that all creditors
make credit equally available to all credit worthy customers, and that credit
reporting agencies maintain separate credit histories on each individual upon
request. The Ohio civil rights commission administers compliance with this law.



South Dakota Residents: Any improprieties in making this loan or in Affirm,
Inc.’s loan practices may be referred to the South Dakota Division of Banking at
1714 Lincoln Avenue, Suite 2, Pierre, SD 57501, phone number: (605) 773-3421.


AFFIRM LOAN SERVICES, LLC

Nationwide Multistate Licensing System (“NMLS”) Identification: NMLS ID 1479506

State

Regulatory Agency

License

California

Department of Financial Protection and Innovation

Financing Law License No. 60DBO-111681

Colorado

Department of Law

Supervised Lender License

No. SUP-4000040

Delaware

Office of the State Bank Commissioner

Licensed Lender License

No. 029659

Georgia

Department of Banking and Finance

Installment Lender License No. 1479506

Idaho

Department of Finance

Regulated Lender License

No. RRL-9576

Iowa

Division of Banking

Loan Company Registration

No. 88883433

--------------------------------------------------------------------------------

Nonresident Regulated Loan Company

License No. 2016-0064

Kansas

Office of the State Bank Commissioner

Consumer Credit Notification

No. NOT.0026347

Louisiana

Office of Financial Institutions

Licensed Lender License

No. 1479506

Maine

Department of Professional & Financial Regulation

Loan Servicer Registration

No. SVR15373 

Missouri

Division of Finance

Small Loan Company License

No. 367-24-7908

--------------------------------------------------------------------------------

Consumer Installment Loan License

No. 510-24-7909

Montana

Division of Banking & Financial Institutions

Consumer Loan License

No. 1479506

Nevada

Financial Institutions Division

Installment Loan License No. IL11103 

Installment Loan License No. IL11104

New Mexico

Financial Institutions Division

Small Loan Company License 

No. 02113

New Mexico Consumer information Brochure 

New Mexico Loan Rates and Fees disclosure

North Dakota

Department of Financial Institutions

Money Broker License

No. MB103072

Oklahoma

Department of Consumer Credit

Consumer Credit Notification

No. 86483

Rhode Island

Division of Banking

Lender License No. 20204063LL

South Carolina

Department of Consumer Affairs

Consumer Credit Grantor Notification No. CGL-151954 

South Dakota

Division of Banking

Money Lender License

No. MYL.3454

Utah

Department of Financial Institutions

Consumer Credit Registration 

Washington

Department of Financial Institutions

Consumer Loan Company License

No. CL-1479506

West Virginia

State Tax Department

Business Registration

No. 2333-2839

--------------------------------------------------------------------------------

Notification of Consumer Credit Sales or Loans No. 2333-2839

Wisconsin

Department of Financial Institutions

Consumer Act Registration


AFFIRM PAYMENTS, LLC

Affirm Payments, LLC is a Delaware limited liability company and licensed money
transmitter, with its principal place of business located at 650 California
Street, 12th floor, San Francisco, CA 94108. 

For Alaska Residents Only:

If your issue is unresolved by Affirm Payments, LLC (855) 423-3729, please
submit formal complaints with the State of Alaska, Division of Banking &
Securities.

Please download the form here:
https://www.commerce.alaska.gov/web/portals/3/pub/DBSGeneralComplaintFormupdated.pdf

Submit formal complaint form with supporting documents:

Division of Banking & Securities, PO Box 110807 Juneau, AK, 99811-0807

If you are an Alaska resident with questions regarding formal complaints, please
email us at dbs.licensing@alaska.gov or call Nine Zero Seven Four Six Five Two
Five Two One.

Arizona Residents: Arizona residents may contact the Arizona Department of
Insurance and Financial Institutions with questions or complaints about Affirm
Payments, LLC at 100 N 15th Ave, STE 261, Phoenix AZ 85007-263 or toll-free by
phone (800) 352-8431.

Colorado Residents: 

CUSTOMER NOTICE Entities other than FDIC insured financial institutions that
conduct money transmission activities in Colorado, including the sale of money
orders, transfer of funds, and other instruments for the payment of money or
credit, are required to be licensed by the Colorado Division of Banking pursuant
to the Money Transmitters Act, Title 11, Article 110, Colorado Revised Statutes.
If you have a question or problem with your transaction or the money you sent,
you must contact the money transmitter who processed your transaction for
assistance. The Division of Banking doesn’t have access to this info.

If you’re a Colorado resident and have a complaint about the money transmitter,
the company that sent your money, all complaints must be submitted in writing:

 1. Fill out the complaint form provided on the Colorado Division of Banking
    website.

 2. Return the complaint form with supporting documents by mail or email:
    Colorado Division Banking 1560 Broadway, Suite 975 Denver, CO 80202 Email:
    DORA_BankingWebsite@state.co.us; Website:
    banking.colorado.gov/industry/money-transmitters

Section 11-110-120, CRS requires that money transmitters and money order
companies post this notice in a conspicuous, well-lighted location visible to
customers.

Please see the link below and click on M07 Customer Notice under the Forms
section for more information: 

https://banking.colorado.gov/industry/money-transmitters 

Florida Residents: Florida residents may contact the Florida Office of Financial
Regulation with questions or complaints about Affirm Payments, LLC at 200 E.
Gaines Street, Tallahassee, FL 32399-0376, by phone: (850) 487-9687, or by
visiting their website at www.flofr.gov. 

Illinois Residents: If you have complaints or other concerns with respect to any
aspect of the money transmission activities conducted by Affirm Payments, LLC,
you may contact the Illinois Department of Financial and Professional Regulation
toll free at (800) 473-4858.

Maryland Residents: The Commissioner of Financial Regulation for the State of
Maryland will accept all questions or complaints from Maryland residents
regarding Affirm Payments, LLC, License Number 2311440, at 1100 N. Eutaw Street,
Suite 611, Baltimore, Maryland 21201 and by phone at 1 (888) 784-0136.

Nevada Residents: For questions or complaints regarding the money transmission
services of Affirm Payments, LLC, customers may contact the Nevada Financial
Institutions Division by phone at (702) 486-4120.

North Dakota Residents: For questions or complaints regarding the money
transmission services of Affirm Payments, LLC, customers may contact the North
Dakota Department of Financial Institutions by phone at (701) 328-9933.

Tennessee Residents: For questions or complaints regarding the money
transmission services of Affirm Payments, LLC, customers may contact the
Tennessee Department of Financial Institutions by phone at (800) 778-4215.

Texas Residents: If you have a complaint, first contact the consumer assistance
division of Affirm Payments, LLC at (855) 423-3729. If you still have an
unresolved complaint regarding the company's money transmission activity, please
direct your complaint to: Texas Department of Banking, 2601 North Lamar
Boulevard, Austin, Texas 78705, (877) 276-5554 (toll free), www.dob.texas.gov.



Washington Residents: You should be aware that fraud may and does occur, and
that fraudulent transactions may result in the loss of your money with no
recourse. 


AFFIRM PAYMENTS, LLC

Nationwide Multistate Licensing System (“NMLS”) Identification: NMLS ID 2311440

State

Regulatory Agency

License

Alabama

Securities Commission

Money Transmission License

No. 896

Alaska

Division of Banking & Securities

Money Transmitter License

No. AKMT-016390

Arizona

Department of Insurance and Financial Institutions

Money Transmitter License

No. MT-1041458

Arkansas

Securities Department

Money Transmitter License

No. 128773

Colorado

Division of Banking

Money Transmitter License

No. 500312

Connecticut

Department of Banking

Money Transmitter License

No. MT-2311440

Delaware

Office of the State Bank Commissioner

Check Seller, Money Transmitter License No. 038766

District of Columbia

Department of Insurance, Securities and Banking

Money Transmitter License

No. MTR2311440

Florida

Office of Financial Regulation

Money Transmitter License

No. FT230000421

Georgia

Department of Banking and Finance

Money Transmitter License

No. 2311440

Idaho

Department of Finance

Money Transmitter License

No. MTL - 334

Illinois

Department of Financial & Professional Regulation

Money Transmitter License

No. MT.0000452

Iowa

Division of Banking

Money Services License

No. 2022-0104

Kansas

Office of the State Bank Commissioner

Money Transmitter License

No. MT.0000236

Kentucky

Department of Financial Institutions

Money Transmitter License

No. SC789141

Louisiana

Office of Financial Institutions

Sale of Checks and Money Transmitters License

Maine

Department of Professional & Financial Regulation

Money Transmitter License

Maryland

Office of the Commissioner of Financial Regulation

Money Transmitter License

No. 2311440

Michigan

Department of Insurance and Financial Services

Money Transmitter License

No. MT0024597

Minnesota

Department of Commerce

Money Transmitter License

No. MN-MT-2311440

Mississippi

Department of Banking and Consumer Finance

Money Transmitter License

No. MT/2311440

Missouri

Division of Finance

Sale of Checks and Money Transmitter License

No. MO-24-9174

Nebraska

Department of Banking and Finance

Money Transmitter License

Nevada

Financial Institutions Division

Money Transmitter License

No. MT11186

New Hampshire

Banking Department

Money Transmitter License

No. 24952-MT

New Jersey

Department of Banking & Insurance

Money Transmitter License

No. 2205421

New Mexico

Financial Institutions Division

Money Transmitter License

North Carolina

Office of the Commissioner of Banks

Money Transmitter License

No. 214132

North Dakota

Department of Financial Institutions

Money Transmitter License

No. MT104064

Ohio

Division of Financial Institutions

Money Transmitter License

No. OHMT-241

Oklahoma

State Banking Department

Money Transmitter License

Oregon

Division of Financial Regulation

Money Transmitter License

Pennsylvania

Department of Banking and Securities

Money Transmitter License

No. 101843

Rhode Island

Division of Banking

Currency Transmitter License

No. 20234610CT

South Carolina

Money Services Division

Money Transmitter License

South Dakota

Division of Banking

Money Transmitter License

No. 2311440.MT

Tennessee

Department of Financial Institutions

Money Transmitter License

No. 2311440

Texas

Department of Banking

Money Transmitter License

No. 3529

Utah

Department of Financial Institutions

Money Transmitter License No. 228

Vermont

Department of Financial Regulation

Money Transmitter License

No. MT-2311440

Virginia

Bureau of Financial Institutions

Money Order Seller and Money Transmitter License No. MO-460

Washington

Department of Financial Institutions

Money Transmitter License

No. 550-MT-148378

West Virginia

Division of Financial Institutions

Money Transmitter License

No. WVMT-2311440

Wisconsin

Department of Financial Institutions

Seller of Checks License

No. 224-SOC

Wyoming

Division of Banking

Money Transmitter License

No. MT-7320


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Payment options through Affirm are provided by these lending
partners: affirm.com/lenders. Your rate will be 0–36% APR based on credit, and
is subject to an eligibility check. Affirm Pay in 4 payment option is 0% APR.
Options depend on your purchase amount, may vary by merchant, and may not be
available in all states. A down payment may be required. For example, a $800
purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4
interest-free payments of $200 every 2 weeks. The Affirm Money Account is held
with Cross River Bank (CRB), Member FDIC. Affirm is not an FDIC-insured bank.
FDIC insurance covers accounts held with CRB in the event of a CRB failure.
California residents: Affirm Loan Services, LLC is licensed by the Department of
Financial Protection and Innovation. Loans are made or arranged pursuant to
California Financing Law license 60DBO-111681. The Affirm Card is a Visa® debit
card issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa
U.S.A. Inc. The Affirm Card is not available to residents of U.S.
territories. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID
1479506. For licenses and disclosures, see affirm.com/licenses.

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