Yes, you can reschedule an Affirm payment, but only before the due date and only through the Affirm app or website
If you have an Affirm loan and need to move your payment to a later date, you can reschedule it yourself without calling customer service. Log into your Affirm account, find the loan you want to reschedule, and select the option to change the due date. Affirm will show you available dates and any changes to your payment schedule. The key limitation: you must reschedule before the payment is actually due, not after.
Rescheduling is different from missing a payment or asking for a hardship deferment. When you reschedule, you are moving the due date forward within your existing payment plan. When you miss a payment or fall behind, that triggers late fees and credit reporting. If you cannot pay by the due date, rescheduling ahead of time is the step that prevents those consequences.
Key Takeaways
- You can reschedule a payment through the Affirm app or website by selecting the loan and choosing a new due date before the current one arrives.
- Rescheduling changes only that single payment's due date, not your entire loan schedule, so later payments stay on their original dates unless you reschedule those too.
- You cannot reschedule a payment after it is already overdue; if you miss the due date, contact Affirm support to discuss your options.
- Rescheduling does not affect your credit report, but missing a payment does, so moving the date before it is due is the way to avoid that damage.
Where to reschedule in the Affirm app
Open the Affirm app and tap Loans at the bottom of the screen. Find the loan with the payment you want to move. Tap on that loan to open its details. You will see your payment schedule listed with upcoming due dates. Tap the payment you want to reschedule — it must show a due date that has not yet arrived.
Once you tap the payment, you will see a Reschedule or Change Due Date button. Tap it. Affirm will show you a calendar of available dates you can move the payment to. Select the new date and confirm. The app will update your loan summary when ready, and you will receive a confirmation.
If you are using the Affirm website instead of the app, the steps are the same: log in, select the loan, find the payment, and look for the reschedule option. The layout is slightly different, but the button is in the same place in your payment details.
What happens to the rest of your payment schedule
When you reschedule one payment, only that payment moves. All the other payments in your loan stay on their original due dates. If you have a 12-month loan with payments due on the 15th of each month, and you reschedule the third payment from March 15 to April 15, your April payment is still due on April 15 — you now have two payments due that month.
This matters because it changes your cash flow for that month. Before you reschedule, think about whether moving one payment forward creates a problem later. If you reschedule the March payment to April, you will owe two payments in April instead of one. If that is still difficult, you may need to reschedule the April payment as well, or contact Affirm support about other options.
When you cannot reschedule through the app
If the due date has already passed, the reschedule button will not appear in the app. Once a payment is overdue, Affirm treats it as a missed payment, and you cannot move it forward yourself. At that point, you need to contact Affirm support directly to discuss what happens next.
Some loans also have restrictions based on how many times you have already rescheduled or how late in the loan term you are. Affirm does not publish these rules publicly, so if the reschedule option is not available for a payment that is not yet due, contact support to find out why. They can tell you whether the payment can be moved and what your other options are.
The difference between rescheduling and deferment
Rescheduling moves a single payment to a later date within your existing plan. You still owe the same amount; the due date just shifts. Deferment or hardship information is different — it pauses or reduces payments for a period of time, usually because you are facing financial difficulty. Deferment requires you to contact Affirm support and explain your situation; it is not a self-service option in the app.
If you are rescheduling because you are short on cash this month but expect to have money next month, rescheduling is the right tool. If you are struggling to pay and do not know when you will have the money, contact Affirm support about hardship options. They may be able to pause payments, reduce the amount due, or work out a different arrangement depending on your circumstances.
How rescheduling affects your credit and account
Rescheduling a payment before the due date does not show up on your credit report. It is an internal change to your loan with Affirm. Your credit score is not affected, and there is no penalty. The only thing that changes is the date Affirm expects the payment.
Missing a payment, by contrast, does show up on your credit report after 30 days and damages your score. This is why rescheduling before the due date matters: it keeps you from falling behind. If you know you cannot pay on time, reschedule now rather than waiting and missing the payment.
What to do if you miss the due date
If the due date passes and you have not made the payment or rescheduled it, contact Affirm support as soon as possible. Call the number on the back of your Affirm card or use the app to start a chat. Explain that you missed the payment and ask what options are available. Affirm may allow you to make the payment when ready, set up a new payment date, or discuss a hardship plan.
The sooner you contact them after missing a payment, the better. Affirm reports missed payments to credit bureaus, but the damage is less severe if you catch up quickly. If you wait 30 days or longer, the missed payment will appear on your credit report and be harder to recover from.
Frequently Asked Questions
Can I reschedule a payment more than once?
You can reschedule the same payment multiple times as long as the due date has not passed. Each time you reschedule, you pick a new date and confirm. Affirm does not limit how many times you can move a single payment, but if you find yourself rescheduling repeatedly, contact support about whether a hardship plan might work better for your situation.
What if Affirm denies my reschedule request?
If the reschedule button does not appear or you get an error message, the payment may already be overdue, or your account may have restrictions. Contact Affirm support through the app or by phone. They can tell you why the reschedule is not available and what you can do instead.
Does rescheduling change the total amount I owe?
No. Rescheduling moves the due date but does not change the payment amount or the total interest you pay. You still owe the same loan balance; the payment just arrives on a different date.
Can I reschedule a payment if my account is already late?
If you have already missed a payment on this loan, you cannot reschedule through the app. Contact Affirm support to discuss your account and what options are available to you.
What happens if I reschedule into a month where I already have another payment due?
Both payments will be due in that month. You will owe two payments instead of one. Make sure you have enough to cover both before you reschedule, or consider rescheduling the second payment as well to spread them out.