Quick answer: To cancel an order financed with Affirm, contact the merchant that sold the product first. Affirm says it cannot cancel a payment plan or issue a refund until it receives the merchant’s confirmation of cancellation or return.
Use the official account or provider handling the financial transaction. A pending transfer, a completed card payment, an active loan and an insurance policy are legally and operationally different.
Step-by-step cancellation instructions
- Find the original merchant order and the corresponding Affirm payment plan.
- Contact the merchant and request cancellation or return under its policy.
- Ask the merchant for written confirmation and the expected processing date.
- Sign in to Affirm and monitor the loan status or adjusted payment schedule.
- If the merchant fails to help with an eligible issue, use Affirm’s official dispute process.
Understand the transaction or account type
Affirm is a financing provider, not the seller of the goods. Closing your Affirm user account is a separate action and generally cannot remove existing unpaid loans. Affirm’s privacy guidance says customers with no active loan can request closure using its support channels. Do not close an account simply to escape future installments.
Fees, refunds and effective dates
Affirm says merchants may take 21 days or longer to finalize some cancellations or returns. Once confirmed, the plan may be voided or the principal and payment schedule adjusted depending on the refunded amount. Until the refund is reflected, follow the plan instructions and contact Affirm if an installment is imminent.
If cancellation fails or the option is missing
If the merchant reports that it processed a refund but the loan remains unchanged, gather the merchant confirmation and open an Affirm support case. Keep both order and plan IDs so the two systems can be reconciled.
Verify the transaction or policy status
For financial products, a submitted request is not the same as a completed reversal or termination. Record the effective date, pending transactions and any follow-up needed to prevent a coverage gap or unsettled balance. Use official secure channels for identity verification.