Affirm is a company that helps you buy things and pay for them over time with installment loans. They are testing a subscription service called Affirm Plus, which charges $7.99 a month. This subscription guarantees a 0% interest rate on loans up to $2,500 and offers a small return on savings accounts. So, if you see a charge from Affirm, it might be because you signed up for this subscription service to get better loan terms or because you used their buy-now-pay-later option.
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The cancellation process for an Affirm subscription involves contacting customer service either by phone or email, which is straightforward but requires direct communication rather than a simple self-service online option. This makes it relatively easy but not the easiest possible, as users must wait for customer service interaction.
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How to Cancel Affirm: Step by Step
If you purchased through Affirm directly:
- Open the Affirm app.
- Tap on the Card tab.
- Select Pay over time.
- Tap See plan.
- Choose the option to edit or cancel plan.
If you purchased through a phone call:
- Call (855) 423-3729.
- Provide your account details when prompted.
- Request cancellation of your subscription.
If you purchased through email:
- Compose an email to support@affirm.com.
- Include your account details and request cancellation.
Tips & Tricks for Canceling Affirm
- Be persistent and patient: Users report it often takes multiple attempts and follow-ups before cancellation is processed.
- Use precise language: Clearly state that you want to cancel your subscription or loan and want confirmation in writing.
- Contact customer service by phone: Calling the Affirm support number (855-423-3729) tends to be more effective than email or chat.
- Escalate the issue: If regular customer service reps are unhelpful, ask to escalate the case to a supervisor or a higher level of support.
- Time your cancellation: Some users suggest calling early in the day or week to avoid longer wait times and get faster service.
- Follow up relentlessly: If cancellation is delayed, keep calling every few days referencing your previous requests and ask for status updates.
- Keep records: Save all communication, including chat transcripts, emails, and notes from phone calls with dates and agent names.
- Avoid stopping payments abruptly: This may damage your credit score and trigger collections according to user experiences.
- Watch for account closure delays: Users mention it can take about 30 days after cancellation requests before the account is fully closed.
- Be wary of contradictory information: Different reps may give conflicting details, so remain firm and politely insist on a resolution.
Affirm Customer Service Info
If you need assistance, here's how you can get in touch with Affirm's support team.
Cancel Affirm Script
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Dear Affirm Customer Service,
I hope this message finds you well. I am writing to request the cancellation of my subscription with Affirm. Due to unforeseen financial circumstances, I can no longer maintain the subscription. I would appreciate your assistance in processing this cancellation at your earliest convenience.
Thank you for your understanding.
Best regards,
Frequently Asked Questions
Affirm does not directly handle membership or subscription cancellations; cancellations and refunds are managed according to the merchant's policies. You must contact the store where you made your purchase to cancel an order or subscription, and Affirm will update your payment plan accordingly once the store confirms the cancellation. If you cancel a payment plan before it takes effect, you won't be charged anything.
To cancel your Affirm subscription or delete your account, you need to log into your account with your email and password. If you don't remember your password, you can reset it by clicking the "Forgot Password" link on the login page. Affirm does not appear to offer cancellation without password authentication through phone or chat support, so having access to your password is necessary. You can reset your password here: https://www.affirm.com/login?redirect=%2Fforgot-password.
- No longer needing the item purchased with Affirm financing.
- Found a better deal elsewhere and want to cancel the loan.
- Unsuitable repayment plan or financial terms that do not fit the borrower's budget.
- Change of mind about the purchase after committing to Affirm payments.
- Financial stress or unexpected life situations leading to reconsideration of financial commitments.
- Problems reaching merchant or dissatisfaction with merchant's return or cancellation policies.
- Order shipped or processed before cancellation making it necessary to follow merchant return policies instead.
- Worries about credit score impact if loans cannot be canceled and payments missed.
- Desire to avoid locked-in payment plans that create long-term financial obligations.
Affirm does not typically allow immediate cancellation of a loan or subscription without going through the merchant's return or cancellation policy first. If the order has shipped or the loan is active, you usually cannot cancel without returning the item and getting approval from the merchant, and you remain responsible for payments until the return is processed. There are no explicit early-cancellation fees, but failing to comply with the merchant's process can lead to loan obligations, negative credit impacts, and collections, so it's important to address cancellations promptly through the merchant.
Before cancelling an Affirm subscription or loan, know that cancellation is usually linked to the merchant's return and cancellation policy. You should cancel your order with the merchant before the item ships to effectively cancel the Affirm loan. If the order has already shipped, you must follow the merchant's return process and once processed, Affirm will update the loan status accordingly. Failure to repay the loan after cancellation can harm your credit score and lead to collections. Cancelling a loan before activation generally does not affect your credit score, but you remain responsible if the merchant does not agree to cancel or if the cancellation window has passed. It's important to review both the merchant's and Affirm's terms and conditions carefully before cancelling.
- Affirm account login credentials (email address and password)
- Account details (such as your name and associated email or phone number)
- Details of the subscription, membership, or bill (such as merchant name, order number, or payment plan reference)
- Reason for cancellation (if required by customer support)
- Access to customer support channels (phone number: 855-423-3729 or email: help@affirm.com)
- Confirmation of identity (may include answers to security questions or other identifying details)
We've actually written a step by step guide on how to get a refund from Affirm. Check it out!
The Easiest Way to Cancel Affirm
If you’re frustrated trying to cancel your subscription, membership, or bill from Affirm—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
Start reclaiming your money today with Chargeback
What Are Some Alternatives to Affirm?
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Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
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