You can move your Affirm payment date, but only before your first payment is due
Affirm lets you reschedule your payment date one time through the app or website, but only if you do it before the due date of your first installment. Once a payment is due or overdue, you cannot move the date yourself. If you need to delay a payment after it is due, you will need to contact Affirm support directly to discuss your options.
The window to reschedule is narrow—usually a few days to a week after you complete your purchase. The sooner you know you need a different date, the sooner you should make the change.
Key Takeaways
- You can reschedule your payment date once before your first payment is due by going to the Affirm app or website and selecting the order.
- Rescheduling moves all future payments in your plan by the same number of days, not just the first one.
- Once a payment is due or overdue, you cannot reschedule through the app and must contact Affirm support by phone or chat.
- Affirm does not charge a fee to reschedule, but missing a payment will damage your credit and trigger late fees.
- If you cannot make a payment on the new date, contact support before the due date to explore payment plans or deferrals.
How to reschedule your payment date in the Affirm app
Open the Affirm app and go to your active orders. Find the purchase you want to reschedule and tap on it to see your payment plan. Look for an option labeled "Change payment date" or "Reschedule"—this button appears only if you have not yet reached your first due date. Tap it and select a new date from the calendar.
Affirm will show you how the new date shifts all your remaining payments. For example, if you move your first payment from the 15th to the 25th, your second payment moves from the 15th of the next month to the 25th, and so on. Review the new schedule before confirming. Once you confirm, the change is locked in.
If you are using the Affirm website instead of the app, log in, find the order under "My purchases," and look for the same reschedule option. The process is identical.
What happens if your first payment is already due
If you have already reached your first due date or missed a payment, the reschedule button disappears from the app. At this point, you cannot move the date yourself. You will need to contact Affirm support through the app's chat feature, by phone, or through your account settings to request a change.
Affirm support can sometimes defer a payment or work out a modified schedule, but this is handled case by case. They may ask why you need the delay and whether you can make a partial payment. The longer you wait after a payment is due, the harder it becomes to negotiate a solution, so reach out as soon as you know you will miss a date.
How rescheduling affects your payment plan
When you reschedule, every payment in your plan shifts by the same number of days. If you move your first payment back by 10 days, your second payment also moves back 10 days, your third moves back 10 days, and so on. This keeps the spacing between payments consistent and does not change the total amount you owe or the number of installments.
The interest rate on your purchase does not change when you reschedule. Affirm calculates interest based on the original purchase amount and plan length, not on when you make payments. Rescheduling is purely a timing adjustment.
What to do if you cannot make the payment on your new date
If you reschedule but then realize you still cannot pay on the new date, contact Affirm support before that date arrives. Waiting until after the payment is due will result in a late fee and a report to the credit bureaus. Affirm may be able to defer the payment, split it into smaller amounts, or work out a temporary pause, depending on your account history and the reason for the delay.
Late payments on Affirm are reported to credit bureaus and will lower your credit score. A single late payment can stay on your credit report for up to seven years. If you are struggling with cash flow, it is better to ask for help early than to let a payment slip past the due date.
Fees and credit impact of missed or late payments
Affirm charges a late fee if your payment is not received by the due date. The fee amount varies but is typically between $10 and $40 depending on your plan and how late the payment is. This fee is added to your balance, so you will owe more than your original purchase price.
A missed payment is also reported to Equifax, Experian, and TransUnion—the three major credit bureaus. This report appears on your credit report and can lower your credit score by 50 to 100 points or more, depending on your current score and credit history. The impact is immediate and lasts for years, even after you catch up on the payment.
If you fall more than 60 days behind, Affirm may close your account and refer your debt to a collection agency. At that point, the debt collector can pursue legal action to recover the money, and you may face wage garnishment or bank levies.
Frequently Asked Questions
Can I reschedule my payment date more than once?
No. Affirm allows you to reschedule once, and only before your first payment is due. After you reschedule, you cannot change the date again through the app. If you need another change, you must contact support.
Does rescheduling cost money?
No. Affirm does not charge a fee to reschedule your payment date. The only fees you will face are late fees if you miss a payment after it is due.
What if I reschedule but then want to go back to my original date?
You cannot undo a reschedule through the app. If you want to return to your original payment date, contact Affirm support. They may be able to reverse the change if you reach out quickly, but this is not may provide.
Will rescheduling change how much interest I pay?
No. Affirm calculates interest based on your purchase amount and plan length at the time of purchase. Moving your payment date does not change the interest rate or total interest you owe.
What should I do if I cannot afford my Affirm payment at all?
Contact Affirm support before your payment is due. Explain your situation and ask about payment deferrals, plan modifications, or temporary pauses. The sooner you reach out, the more options you may have. Waiting until after a payment is due limits your choices and triggers fees and credit damage.