How to Use Affirm without a Phone Number

Posted on 09/11/24 04:30 am

How to Use Affirm without a Phone Number

What is Affirm Focused On?

Affirm, a technology firm launched in 2012, offers loans to shoppers through the buy-now-pay-later (BNPL) model. With Affirm, you can purchase products immediately and pay for them later in installments. This service is perfect for those who need to make urgent purchases but face financial challenges.

Affirm collaborates with thousands of merchants in the US and Canada, including both online retailers and physical stores across various industries. You can download the Affirm app to explore "What is Affirm?" firsthand or continue reading to get prepared.

What is the Affirm App?

Affirm helps consumers purchase items without accumulating significant debt. As more people buy products online and offline using credit funds, the BNPL model proves to be very useful.

At checkout, users can select Affirm as their payment option. How does Affirm work after this? The customer agrees to receive a loan to cover the bill, effectively taking out a short-term microloan. They make a small down payment and then repay the loan in installments.

The repayment period can vary from three, four, six, or twelve months, depending on the amount. The first installment is the down payment, and subsequent payments are made at predetermined intervals. So, what is Affirm regarding interest rates? Users with poor credit and repayment history may be subject to a 36% interest rate. However, there are no other interest charges, late fees, or hidden fees.

The loan funds are provided not by Affirm itself but by affiliated credit organizations, meaning Affirm is not a bank. Now, what is Affirm in terms of general acceptance? The app serves as a payment solution at over 235,000 online and offline stores, including major retailers like Amazon, Walmart, Adidas, Peloton, and more.

To avoid confusion, Affirm provides a list of supported merchants on their corporate website. Notably, vendors receive the full payment amount without delay or concerns. You can use Affirm via the mobile app, the official website, or directly on the sellers' websites. If you're interested in using Affirm's "buy now, pay later" option, read on to find out how to create an Affirm account.

How to Create an Affirm Account?

Affirm's services are available only to users in the US and Canada, and businesses wishing to join Affirm's partner program must have a presence in these regions. So, Affirm is a North America-specific app. If you're ready to meet these requirements, here are three ways to register for Affirm:

  1. Sign Up via a Partner Website
  2. Complete an Account via the Mobile App
  3. Register Using the Official App

Regardless of your chosen method, you’ll need to provide your mobile number, first and last name, email address, and the first four digits of your Social Security Number (SSN), and then click "create account." When signing up through an affiliate's website, you will first select Affirm as your payment method and then confirm the checkout.

Why is Affirm Asking for a Phone Number?

Affirm requires your mobile number to confirm that you’re the person who created the account. Every time you log in to Affirm, you'll need to enter your mobile number and verify it via an SMS code.

While the usefulness of this security system may be debatable (since they don’t call or text you), it’s primarily used to confirm your identity. You can easily provide a fictitious number that only needs to receive messages. If you're an American and want to avoid receiving unwanted calls or spam due to potential data leaks, consider using SMSOTPVERIFY's virtual phone numbers. Below is how they can help and how to use Affirm with one of them.

How to Create an Affirm Account Without a Phone Number?

A virtual phone number is a number that you can obtain online. Unlike a traditional SIM card, it can only be used to receive SMS messages, making it ideal for signing up for most social networks, messengers, and apps, including Affirm.

The SMSOTPVERIFYplatform offers virtual phone numbers from over 180 countries, which can be used to activate accounts in most apps and web services. Therefore, it's a great opportunity to complete SMS verification without using a real phone number.

Step-by-Step Instructions for Registering with a Virtual Number

Here’s a guide on how to register for Affirm using a virtual number from SMSOTPVERIFY:

  1. Visit smsotpverify.com, register, and log in.
  2. Go to the “Top Up My Balance” tab and deposit funds.
  3. Click on “Get SMS,” then select your country and the "Affirm" service.
  4. Click on “Buy SMS” and find the phone number in the "History" section. Copy it.
  5. Start the registration process on Affirm using your virtual phone number.
  6. Go back to SMSOTPVERIFY and click “Receive SMS” to view the confirmation code.
  7. Enter the code to complete your registration.

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