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How To Delete Your Affirm Account: A Definitive Guide

So, you’re looking to sever ties with Affirm? Whether you’ve paid off your loans and no longer need their services, or you’re consolidating your finances, closing your account is a straightforward process. Here’s the direct answer: You cannot directly delete your Affirm account online. The only way to permanently close your Affirm account is by contacting their customer support team. You can do this via email at help@affirm.com or by calling them at 1-855-423-3729. Be prepared to verify your identity and explain your request. They may also inquire about the reason for your closure. Once confirmed, they will proceed with the account closure.

Understanding the Account Closure Process

While the inability to self-delete online might seem inconvenient, it’s a safeguard. Affirm wants to ensure that your account is indeed closed at your request and that no fraudulent activity is occurring. The human interaction involved allows them to confirm your identity and address any lingering questions or concerns.

What Happens When You Close Your Account?

Closing your Affirm account has several implications that you need to consider:

Loss of access: You will lose access to your Affirm account dashboard and any associated features. This includes viewing your past purchase history and managing any outstanding balances.
Cancellation of existing payment plans: This is the crucial part! If you have any active payment plans, closing your account will NOT automatically cancel them. You are still legally obligated to fulfill those payment obligations. You must ensure all outstanding balances are paid in full before initiating account closure.
Data retention: Affirm, like most financial institutions, is legally obligated to retain certain information for a specific period, even after account closure. This is primarily for compliance and auditing purposes. Don’t expect them to erase your existence from their servers entirely.
Credit implications: A closed account itself doesn’t directly impact your credit score. However, the history of your payment performance on Affirm loans (both positive and negative) will remain on your credit report as long as the credit bureaus deem necessary.
Inability to apply for future loans: Once your account is closed, you will need to reapply should you require Affirm’s services again in the future.

Preparing to Close Your Account

Before you reach out to Affirm’s customer support, take these steps to ensure a smooth process:

Pay off all outstanding balances: This is non-negotiable. You cannot close your account with active loans. Make sure all scheduled payments are complete and that there are no pending transactions.
Download your transaction history: If you need records of your past Affirm purchases for tax or budgeting purposes, download them from your account dashboard before initiating the closure. You won’t be able to access them afterwards.
Understand Affirm’s Privacy Policy: Familiarize yourself with Affirm’s Privacy Policy to understand how they handle your data after account closure. This will address your concerns about data retention.
Gather necessary information: Have your account details readily available, such as your email address, phone number, and any recent loan information. This will help the customer support representative verify your identity quickly.

Contacting Affirm’s Customer Support

As mentioned earlier, contacting Affirm’s customer support is the only way to initiate the account closure process.

Via Email

Send an email to help@affirm.com. In your email, clearly state that you want to close your Affirm account. Include your full name, email address associated with the account, and the reason for your request (although providing a reason isn’t mandatory). Keep the tone professional and courteous. A sample email could look like this:

Subject: Account Closure Request

Dear Affirm Customer Support,

I am writing to request the closure of my Affirm account associated with the email address [your email address]. My full name is [your full name]. I have paid off all outstanding balances.

Please confirm the account closure once completed.

Thank you for your time and assistance.

Sincerely,

[Your Name]

Via Phone

Call Affirm’s customer support at 1-855-423-3729. Be prepared to provide information to verify your identity. Clearly state that you wish to close your account and confirm that you have no outstanding balances. The representative will guide you through the remaining steps.

Frequently Asked Questions (FAQs)

Here are 12 frequently asked questions related to deleting or closing an Affirm account:

Can I reactivate my Affirm account after it’s closed? Yes, but you will essentially be applying as a new user. Your past credit history with Affirm may be considered, but approval isn’t guaranteed.
What happens to my credit score if I close my Affirm account? Closing the account itself won’t directly hurt your score. However, your payment history with Affirm, both positive and negative, will continue to be reported to credit bureaus and influence your credit score.
Does Affirm charge any fees for closing my account? No, there are no fees associated with closing your Affirm account.
How long does it take to close my Affirm account? The timeline can vary. Once you contact customer support, the process typically takes a few business days to complete, assuming all requirements are met (i.e., no outstanding balances).
Can I close my account if I have a pending transaction? No. You need to wait until all transactions are fully processed and settled before initiating account closure.
What if I forget my Affirm account login details before closing? Use the “Forgot Password” option on the Affirm login page. If you’re still unable to access your account, contact customer support for assistance.
Will Affirm delete all my data after I close my account? No. Due to legal and regulatory requirements, Affirm retains certain data even after account closure. Refer to their Privacy Policy for details on data retention practices.
What happens to my Affirm virtual card after I close my account? The virtual card associated with your account will be deactivated and no longer usable.
Can I close my account if I only used Affirm once and paid it off? Yes. Even if you’ve only used Affirm once and have no outstanding balances, you can still close your account if you wish.
Is there a difference between “deactivating” and “closing” my Affirm account? Affirm doesn’t offer a “deactivation” option in the traditional sense. When you stop using your account, it becomes inactive, but it’s still technically open. To truly sever ties, you need to close the account through customer support.
If I paid off a loan early, does that help in closing the account faster? Paying off a loan early doesn’t necessarily expedite the account closure process itself. The main requirement is having no outstanding balances.
What should I do if Affirm is not responding to my account closure request? Follow up with customer support via email or phone. Keep records of your communication. If you still face issues, consider contacting the Consumer Financial Protection Bureau (CFPB) to file a complaint.

Closing your Affirm account requires direct interaction with their customer support team. By understanding the process, preparing your account, and following up if necessary, you can ensure a smooth and efficient closure. Remember to always prioritize fulfilling your financial obligations before initiating any account closure request.