What to do when a Affirm account holder dies
Contact Affirm — 6-step process, 2 required documents, and affirm disables autopay on all active loans immediately once it is notified of a customer's passing. it does not publish a fixed timeline for the rest of the process; after it verifies the death with a valid death certificate it stops holding the executor or family responsible for the balance and reports the updated status to the credit bureau. timing of that verification depends on when the death certificate is received and reviewed.
Affirm Help Center
Affirm, Inc., 650 California St, Floor 12, San Francisco, CA 94108
Affirm Help Center
Affirm, Inc., 650 California St, Floor 12, San Francisco, CA 94108
Affirm (Deceased Customer Support)
Affirm, Inc., 650 California St, Floor 12, San Francisco, CA 94108
When an account holder at Affirm dies, the executor contacts the Affirm (Deceased Customer Support) to report the death and request the balance as of the date of death. The balance is a claim against the estate: it is paid from estate assets, in the order the state sets, before anything reaches the heirs.
To start, call Affirm. Have the account holder's full name, account numbers, and a certified death certificate ready before you call.
Death claim process
The death claim process at Affirm works as follows:
Filing a claim
- By email: reply with a scanned copy to the email Affirm sends after you reach out through the "Get support" button
- By mail: send a physical copy to Affirm, Inc., 650 California St, Floor 12, San Francisco, CA 94108
Required Documents
- A valid death certificate for the deceased account holder
- Documentation confirming next-of-kin status, if a next of kin is requesting access to the deceased customer's account information
Claims Contact
What to know at this institution
An Affirm installment loan (including an Affirm Card loan) is a debt, not an asset — there is no payable-on-death or beneficiary designation, and nothing to retitle to a trust. Affirm routes the deceased-customer process through its support portal: the survivor uses the "Need more help? Get support" button, Affirm disables AutoPay on all active loans on notification, and after verifying the death with a valid death certificate Affirm states it will not hold the executor or any family member responsible for the outstanding balance and reports the updated status to the credit bureau. The death certificate is submitted by email (in reply to the email Affirm sends) or mailed to Affirm, Inc., 650 California St, Floor 12, San Francisco, CA 94108. Because Affirm collects the death certificate through this support flow rather than a mailed claimant-drafted letter, letterOfInstruction is marked not-accepted. Affirm does not publish a dedicated deceased-account phone number on this page.
How long the process takes at Affirm: Affirm disables AutoPay on all active loans immediately once it is notified of a customer's passing. It does not publish a fixed timeline for the rest of the process; after it verifies the death with a valid death certificate it stops holding the executor or family responsible for the balance and reports the updated status to the credit bureau. Timing of that verification depends on when the death certificate is received and reviewed. The most common reason for delays is missing or incomplete documentation, so submitting everything upfront is the best way to keep things moving.
Affirm requires A valid death certificate for the deceased account holder and Documentation confirming next-of-kin status, if a next of kin is requesting access to the deceased customer's account information to process a death claim. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.
Frequently asked questions
An Affirm loan is a debt, not an asset, so it does not disappear on its own, but Affirm has a deceased-customer policy. Once Affirm is notified of the passing it immediately disables AutoPay on all active loans. After Affirm verifies the death with a valid death certificate, it states it will not hold the executor or any family member responsible for the outstanding balance and will report the updated status to the credit bureau.
Affirm states that after it verifies the passing with a valid death certificate it will not hold the executor or any family member responsible for the outstanding balance. The estate does not need to pay off the loan from estate funds for Affirm to close out the balance once the death is verified. Submitting the death certificate promptly is what triggers that treatment.
Use the "Need more help? Get support" button on Affirm's Help Center (helpcenter.affirm.com) to reach out, then tell Affirm about the customer's passing and your relationship to them. Affirm reviews the details, explains the options and next steps, and sends an email you can reply to with a copy of the death certificate. Affirm does not publish a dedicated deceased-account phone line; the process starts through the support portal.
There are two ways. By email, reply with a scanned copy to the email Affirm sends after you reach out through the "Get support" button. By mail, send a physical copy to Affirm, Inc., 650 California St, Floor 12, San Francisco, CA 94108. Include the deceased customer's name and the email or phone number tied to the account so Affirm can match the record.
No. An Affirm installment loan and an Affirm Card loan are debts, not assets, so there is no payable-on-death or beneficiary designation and nothing to fund into a trust. When the borrower dies, the obligation becomes a claim against the estate, which Affirm resolves through its deceased-customer process once a valid death certificate is provided.
Yes. The next of kin — the closest living relative or legally recognized family member, such as a spouse, child, or parent — can access the customer's account information after submitting a valid death certificate and documentation confirming their status as next of kin.
Affirm services the loans, but they are made by partner banks — Cross River Bank, Celtic Bank, or Lead Bank — or by Affirm Loan Services, LLC. The Affirm Card is a Visa debit card issued by Evolve Bank & Trust or Stride Bank. For the estate, the process is the same regardless of the originating bank: notify Affirm through its support portal and submit the death certificate, and Affirm handles the account under its deceased-customer policy.
It helps to have your relationship to the account holder (for example, executor or next of kin), the customer's death certificate or your plan to send one, and, if you are requesting account information as next of kin, documentation confirming that status. Affirm disables AutoPay on active loans as soon as it is notified, then walks you through submitting the death certificate.
Sources
Data sourced from Affirm primary sources (2 pages reviewed). How we research.
Affirm Help Center
Affirm, Inc., 650 California St, Floor 12, San Francisco, CA 94108
Affirm Help Center
Affirm, Inc., 650 California St, Floor 12, San Francisco, CA 94108
Affirm (Deceased Customer Support)
Affirm, Inc., 650 California St, Floor 12, San Francisco, CA 94108
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