Affirm lets you close your account through your phone app or web browser, and the process takes about five minutes

To close your Affirm account, open the app or go to affirm.com, sign in, and navigate to your account settings. Look for a "Close Account" or "Delete Account" option — the exact wording depends on whether you are using the app or website, but both routes lead to the same result. Affirm will ask you to confirm the closure and may ask why you are leaving. Once you confirm, your account is closed.

Before you close your account, make sure you have no active loans or pending payments. Affirm will not let you close an account with an outstanding balance. If you have paid off all your loans, you can proceed. After closure, you will no longer be able to use Affirm to make purchases, and you will lose access to your account history and any saved payment methods.

Key Takeaways

  • You can close your Affirm account through the mobile app or the website by going to account settings and selecting the close account option.
  • Affirm will not allow you to close your account if you have any active loans or unpaid balances.
  • Closing your account removes your access to your payment history and any saved cards or bank accounts linked to Affirm.
  • After closure, Affirm will keep records of your past transactions for their own records, but you will not be able to view them through your account.

Steps to close your account on the mobile app

Open the Affirm app and sign in with your email and password. Tap the menu icon (usually three horizontal lines) in the bottom right corner of the screen. Scroll down to find "Settings" or "Account Settings" and tap it. Look for an option that says "Close Account," "Delete Account," or "Manage Account." Tap that option.

Affirm will show you a confirmation screen explaining what happens when you close your account. Read through this information carefully. Tap the button to confirm that you want to close your account. You may be asked to enter your password again as a security step. Once you confirm, your account will be closed when ready.

Steps to close your account on the website

Go to affirm.com and sign in with your email and password. Click on your profile icon or account menu, usually located in the top right corner of the page. Select "Account Settings" or "Settings." Scroll down to find the option to close or delete your account.

Click on "Close Account" or "Delete Account." Affirm will display information about what closing your account means. Review this information and click the confirmation button. You may need to enter your password again. Once confirmed, your account will be closed.

What happens to your data and payment history after closure

When you close your account, Affirm keeps records of your past transactions and payment history for their internal records and for legal reasons. However, you will no longer be able to log in and view this information yourself. Your account becomes inaccessible to you, but the data remains with Affirm.

Any payment methods you linked to your account — such as bank accounts or debit cards — are disconnected from Affirm. These payment methods themselves are not deleted; they remain with your bank or card issuer. If you want to remove a payment method before closing your account, you can do that in your account settings first.

If you have an active loan when you want to close

Affirm will not allow you to close your account while you have an active loan or an outstanding balance. You must pay off all loans in full before closure is possible. If you have multiple loans, each one must be paid to zero.

If you are having trouble making payments on an active loan, contact Affirm's customer service before attempting to close your account. They may be able to discuss payment options with you. Closing your account does not erase a debt — you will still owe the money even after your account is closed.

Reasons you might want to close your account

Some people close their Affirm accounts because they no longer want to use buy-now-pay-later services. Others close accounts after paying off all their loans and deciding they do not need the service anymore. Some people close accounts because they are concerned about privacy or want to reduce the number of financial accounts they maintain.

Closing your account is a permanent action, so think through your decision before confirming. If you straightforward want to stop using Affirm but might return later, you can leave your account open without using it. There is no monthly fee for an inactive Affirm account.

What to do if you cannot find the close account option

If you cannot locate the close account option in your settings, the app or website version you are using may be different from the standard layout. Try logging out and logging back in, or try closing your account on a different device (app instead of website, or vice versa).

If you still cannot find the option after trying both the app and website, contact Affirm's customer service directly. You can reach them through the app by tapping the menu and selecting "Help" or "Contact Us," or you can visit affirm.com/support. Explain that you want to close your account, and they can walk you through the process or close it for you.

Frequently Asked Questions

Can I reopen my account after closing it?

Once you close your account, you cannot reopen the same account. If you want to use Affirm again in the future, you would need to create a new account with the same or different email address. Your old account history will not transfer to the new account.

Will closing my Affirm account affect my credit score?

Closing your account itself does not directly harm your credit score. However, if you close your account while carrying a balance, that unpaid debt can damage your credit. Make sure all loans are paid off before closing. Your past payment history with Affirm may have already affected your credit report, and closing the account does not erase that history.

What if I have a pending refund when I close my account?

If you are waiting for a refund from a purchase you made through Affirm, close your account only after the refund has been processed. If you close your account while a refund is pending, contact Affirm's customer service to make sure the refund still reaches you. Provide them with your bank account or payment method information if needed.

Do I need to unlink my bank account before closing?

You do not have to unlink your bank account before closing your Affirm account — it will be automatically disconnected when your account closes. However, if you want to remove it beforehand for privacy reasons, you can do that in your account settings before initiating closure.