Minor incident

Affirm: Identified Issue Affecting Loan Applications in UK

Affected: UK - Shop Pay Installments

Current status of Affirm: Operational — live Affirm status

Timeline

1. Nov 2, 2026, 19:18 UTC
   identified
   We have identified an issue affecting UK sessions that require a physical identity verification step-up. Affected sessions are being incorrectly denied rather than being routed to the appropriate identity verification provider.
2. Nov 2, 2026, 20:11 UTC
   monitoring
   We have implemented a fix and have seen recovery. We will continue to monitor the situation to ensure that our systems are fully operational.
3. Nov 2, 2026, 20:44 UTC
   resolved
   This incident has been resolved.

Updates as published by Affirm (original).