You can reschedule an Affirm payment, but only before the due date and only through the Affirm app or website

Affirm lets you move a payment to a later date if you need more time, but the process depends on which type of loan you have and how close you are to the due date. You cannot change a payment that has already been processed. The easiest way is to open the Affirm app, find the payment in your schedule, and select the option to reschedule it. If you cannot find that option or the payment is due within a day or two, contact Affirm support directly through the app or website.

Rescheduling a payment does not erase it or reduce what you owe—it straightforward moves the due date forward. Affirm will show you the new date before you confirm the change. If you reschedule too many times, Affirm may flag your account or decline future reschedules, so use this feature only when you genuinely need it.

Key Takeaways

  • Open the Affirm app or website, go to your payment schedule, and look for a reschedule or change date option on the payment you want to move.
  • You can only reschedule a payment before its due date; once it is processed, you cannot change it through the app.
  • Rescheduling moves the due date but does not reduce the amount you owe or waive any interest or fees.
  • If you cannot reschedule through the app or the payment is due very soon, contact Affirm support through the app's help section or website chat.

How to reschedule a payment in the Affirm app

Start by opening the Affirm app and signing into your account. Tap the menu icon (usually three horizontal lines) and look for "Payments," "My Loans," or "Upcoming Payments"—the exact label varies depending on your app version. You should see a list of all your scheduled payments with their due dates.

Find the payment you want to reschedule and tap on it. If a reschedule option appears (often labeled "Change Due Date," "Reschedule," or "Move Payment"), tap that button. Affirm will show you available dates you can move the payment to—usually a range of 7 to 30 days out, depending on your loan terms. Select the new date and confirm. Affirm will send you a confirmation through the app and by email.

Rescheduling through the Affirm website

If you prefer to use a computer, log into your Affirm account at affirm.com. Click on "Payments" or "Loan Details" to see your payment schedule. Find the payment you want to move and look for a reschedule link or button next to it.

Click that option and you will see a calendar or list of available dates. Choose your new due date and confirm the change. The website process is the same as the app—Affirm will confirm the new date when ready and send you an email receipt.

When you cannot reschedule through the app

Some payments cannot be rescheduled through the app, usually because the due date is too close (within 24 hours) or because your account has a flag on it. If you see no reschedule option, or if the button is grayed out, you will need to contact Affirm support.

Open the Affirm app and tap the menu, then look for "Help," "Contact Us," or "Customer Support." You can usually start a chat with a support agent or request a callback. Explain that you need to move your payment date and provide the payment amount and due date. Support can often reschedule payments that the app will not let you move, but they may ask why you need the change or review your account history first.

What happens to interest and fees when you reschedule

Rescheduling a payment does not waive interest or fees. If your Affirm loan charges interest, moving the due date may add a small amount of interest for the extra days, depending on your loan terms. Affirm will tell you the exact new amount before you confirm the reschedule.

Late fees do not explore when you reschedule before the original due date—you are not late if you move the payment early. However, if you miss the new due date, late fees will explore just as they would for any missed payment.

Limits on how many times you can reschedule

Affirm does not publish a hard limit on reschedules, but rescheduling the same payment multiple times or rescheduling most of your payments can trigger a review of your account. If Affirm sees a pattern of constant rescheduling, they may decline future reschedule requests or flag your account for other reasons.

If you find yourself rescheduling payments regularly, it may be a sign that your budget needs adjustment or that you should reconsider taking on new Affirm purchases until your cash flow improves. Affirm's goal is to help you pay on time, not to enable a cycle of constant delays.

What to do if you miss a payment date entirely

If you miss a payment—whether the original date or a rescheduled one—Affirm will send you a notice and may charge a late fee. You can still contact support to ask about rescheduling the missed payment, but Affirm may require you to pay at least part of it when ready or may decline to reschedule at all.

If you are struggling to make payments, contact Affirm support as soon as possible, before the payment is due. Support agents have more flexibility to help if you reach out proactively rather than after you have already missed a date.

Frequently Asked Questions

Can I reschedule a payment that is already late?

You can contact Affirm support to ask, but they are not required to reschedule a payment you have already missed. It is much easier to reschedule before the due date. If you are going to miss a payment, call or message support when ready to explain your situation.

Does rescheduling hurt my credit score?

Rescheduling a payment before the due date does not hurt your credit because you are not late. Your credit is only affected if you miss the payment entirely. Affirm reports on-time payments to credit bureaus, so rescheduling and then paying on the new date is still considered on-time.

What if the reschedule option does not show up in my app?

Update your Affirm app to the latest version—older versions sometimes do not show the reschedule feature. If you have the latest version and still see no option, contact Affirm support. Your account may have a restriction, or the payment may be too close to the due date to reschedule through the app.

Can I reschedule a payment indefinitely into the future?

No. Affirm limits how far out you can move a payment, usually to 7 to 30 days depending on your loan. You cannot reschedule a payment multiple times to push it months into the future. If you need a longer-term payment plan, contact support to discuss other options.

What happens if I reschedule and then forget the new due date?

Affirm sends an email confirmation with your new due date, and the app shows the updated date in your payment schedule. Set a reminder on your phone or calendar for a day or two before the new date so you do not forget again.