Licenses, Notices, and Related Disclosures (original) (raw)

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. 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 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 a minimum of $50.00 for repayment in four or fewer installments and will not pay any fees or any interest for loans. Payment options may depend on the purchase amount, may vary by merchant, and may not be available in all states. Affirm’s Pay in 4 payment option is 0% APR.

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 Loan Services, LLC’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 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.

For California Residents Only: If you have complaints regarding any aspect of our money transmission activities, you may contact the California Department of Financial Protection and Innovation at their toll-free telephone number 1-866-275-2677, via email at consumer.services@dfpi.ca.gov, or by mail at the following address: California Department of Financial Protection and Innovation, Customer Services, 2101 Arena Boulevard, Sacramento, CA 95834.

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.

Minnesota Residents: Minnesota residents may contact the Minnesota Department of Commerce with questions or complaints about Affirm Payments, LLC toll-free at (800) 657-3602 or by visiting their website at https://mn.gov/commerce/consumer/file-a-complaint/.

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.

South Dakota Residents: South Dakota customers can contact the South Dakota Division of Banking at (605) 773-3421 with questions or complaints regarding the money transmission services of Affirm Payments, LLC.

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.