# Identified Issue Affecting Loan Applications in UK

- Provider: [Affirm](https://down.guide/affirm)
- Level: confirmed
- Impact: Degraded
- lasted 1h 26m
- started 2026-11-02 19:18 UTC
- UK - Shop Pay Installments
- id: DWN-224ef5ef90
- Official page: https://stspg.io/7240zbn1c0g1

## Updates from Affirm
### 2026-11-02 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.

### 2026-11-02 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.

### 2026-11-02 20:44 UTC: resolved
This incident has been resolved.

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