You can close your Affirm account through the app or website, but your loans stay active until paid off
Closing an Affirm account does not erase your payment obligations. If you have an active loan, you will keep making payments on schedule even after you delete the account. Affirm will continue to charge your payment method and send you statements. The account deletion removes your access to the app and website, but the debt remains.
If you want to stop using Affirm for new purchases, you can delete the account immediately. If you have outstanding loans, you must pay them in full or continue payments until the loan term ends. There is no way to cancel a loan early through account deletion—you have to contact Affirm directly to discuss payoff options.
Key Takeaways
- Deleting your Affirm account closes access to the app and website but does not cancel active loans or stop payment obligations.
- You can delete your account through the app settings or website account page in under a minute.
- Active loans continue to charge your payment method on their original schedule after deletion.
- If you want to pay off a loan early or discuss your account, contact Affirm customer service before deleting, because you will lose access to your account history after deletion.
Steps to delete your account through the Affirm app
Open the Affirm app and tap the menu icon (three horizontal lines) in the bottom right corner. Select "Account" or "Settings," then scroll down to find "Delete Account" or "Close Account." Tap it and confirm your choice when prompted. Affirm will send a confirmation email to the address on file.
The deletion takes effect immediately. You will be logged out of the app and cannot log back in. If you have a saved card or payment method in Affirm, it remains on file with your loan servicer so payments can still be processed.
Steps to delete your account through the Affirm website
Go to affirm.com and log in. Click your profile icon or initials in the top right corner and select "Account Settings." Scroll to the bottom of the page and look for "Delete Account" or "Close Account." Click it, review the warning about active loans, and confirm deletion.
Like the app, website deletion is immediate. You will be logged out and cannot access your account dashboard, transaction history, or loan details through the website. Affirm will send a confirmation email within a few minutes.
What happens to your active loans after deletion
Your loans do not disappear when you delete your account. Affirm will continue to charge your payment method on the dates specified in your loan agreement. If you set up automatic payments, they will continue without interruption. If you pay manually, you will need to contact Affirm to find out how to make payments after deletion, since you no longer have access to the app or website.
You will still receive payment reminders and statements by email. If you miss a payment, Affirm will contact you about the missed payment just as it would if your account were active. Late payments can affect your credit score and may result in collection action.
How to pay off a loan before deleting your account
If you want to pay off an active loan in full before closing your account, log into the app or website and look for a "Pay Early" or "Pay in Full" option on the loan details page. Some loans allow early payoff without penalty; others may charge interest through the original end date. Affirm will show you the exact payoff amount before you confirm.
After you pay the loan in full, you can delete your account without any active obligations. This is the cleanest way to close your account if you have the funds available. If you do not see a payoff option in the app, contact Affirm customer service to request an early payoff quote.
Recovering your account information after deletion
Once you delete your account, you cannot recover your transaction history, loan details, or payment records through Affirm. If you need documentation of your loans or payments for tax purposes, credit disputes, or other reasons, request this information before you delete. Affirm customer service can email you a summary of your account activity.
If you delete your account by mistake, you can contact Affirm within a short window to ask about reactivation. However, there is no may provide they will restore it. It is safer to download or screenshot your loan information and payment history before deletion.
What to do if you cannot log in to delete your account
If you forgot your password or cannot access your account, use the "Forgot Password" link on the Affirm login page to reset it. If you no longer have access to the email address associated with your account, contact Affirm customer service by phone or through their website contact form. They can verify your identity and help you regain access or delete the account on your behalf.
Do not create a new account with the same email address if you are trying to close an old one. This can cause confusion with your loan records. Always contact Affirm to formally close the old account first.
Frequently Asked Questions
Will deleting my Affirm account hurt my credit score?
Deleting your account itself does not affect your credit. However, if you stop making payments after deletion, missed payments will be reported to credit bureaus and will lower your score. Your loans remain active and must be paid regardless of account status.
Can I delete my account if I have a pending loan application?
Yes, you can delete your account even if a loan is pending. If the loan is approved after deletion, Affirm will attempt to charge your payment method. Contact Affirm to decline the loan before deleting if you do not want it to go through.
What if I want to use Affirm again after deleting my account?
You can create a new Affirm account with the same email address after deletion. However, your old loan history will not transfer to the new account. You will still owe the old loans and must continue paying them even though they do not appear in your new account.
Do I need to delete my saved card from Affirm before closing my account?
No, you do not need to remove your card. Affirm will keep it on file to process remaining loan payments. If you want to change your payment method after deletion, contact Affirm customer service to update it.
Can Affirm reopen my account if I deleted it by mistake?
Contact Affirm immediately if you delete your account by mistake. They may be able to reactivate it within a limited time, but there is no may provide. The sooner you reach out, the better your chances of recovery.