Can I Cancel Affirm at Any Time?

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.

Why Do People Cancel Affirm?

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.

What Information Do I Need to Cancel Affirm?

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)

What Should I Know Before Cancelling Affirm?

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.

What is Affirm's Cancellation Policy?

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.

Do I Need My Affirm Password to Cancel?

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.

Can I Get a Refund from Affirm?

We've actually written a step by step guide on how to get a refund from Affirm. Check it out!

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How To Cancel Your Affirm Subscription (2025)

Bella Khan, Subscription Cancellation Expert

Published July 1, 2025

Last updated on December 13, 2025

5 min read

Difficulty

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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.

Estimated Time

On average, it takes 00 20 minutes to cancel a Affirm subscription.

How to Contact Affirm

If you need assistance, here's how you can get in touch with Affirm's support team.

Phone

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The email is not available.

Site

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Disclaimer

Chargeback is an independent consumer resource that provides educational information to help users understand how to cancel, manage, or request refunds for various subscriptions. We are not affiliated with, endorsed by, or sponsored by any of the companies mentioned on this site. All trademarks, logos, and brand names are the property of their respective owners.

The information we provide is based on publicly available sources and user reports and may contain inaccuracies or become outdated over time. Our guides are intended for general informational purposes only and should not be relied upon as official company instructions or legal advice.

Consumers are solely responsible for reviewing their own contracts, terms of service, and refund or cancellation obligations before taking any action. Nothing on this site should be interpreted as legal, financial, or contractual guidance.

Chargeback does not encourage or condone disputing valid charges, misrepresenting transactions, or taking any action that could violate a company's terms, service agreement, or applicable laws. We promote fair, transparent, and lawful communication between consumers and businesses.

Find out how much you could save

How much are you paying?

Payment frequency

Savings over 5 years from cancelling your $15/month subscription

Savings by cancelling

Loss if you keep paying

-$0

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Frequently Asked Questions

The cancellation process typically takes about 20 minutes to complete. However, the actual time may vary depending on your account settings and whether you need to contact customer service. Most cancellations are processed immediately, but some may take up to 24 hours to take effect.

After canceling your Affirm subscription, you'll typically have access to the service until the end of your current billing period. You won't be charged for the next billing cycle, and your account will be deactivated once the current period ends. Make sure to download any important data before cancellation.

Yes, you can usually reactivate your Affirm account by logging back into your account and resubscribing. However, you may need to go through the sign-up process again and provide payment information. Some services may offer special reactivation deals for returning customers.

If you're unable to cancel Affirm online, contact their customer service directly using the phone number, email, or website provided above. You can also use our refund script to help you communicate effectively with their support team. In some cases, you may need to provide additional verification or documentation.

Affirm May Show Up On Your Statement As:

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