What happens if I miss a financing payment?
If you miss a financing payment, the best course of action is to contact your financing provider directly, as Affirm and Katapult manage all payment schedules, fees, and account terms independently. Reaching out to them promptly can help you understand your options and avoid any additional complications.
What Happens If I Miss a Financing Payment?
Life happens, and if you find yourself in a situation where a financing payment has been missed or is coming up and you are unsure you can make it, here is what you need to know.
Your Financing Is Managed by Your Provider
Financing through Affirm and Katapult is handled entirely by those third-party providers. This means that all payment schedules, late fees, account standing, and options for getting back on track are determined by the provider you selected at checkout, not by the store. For the most accurate guidance on what happens when a payment is missed and what your options are, reaching out to your provider directly and as soon as possible is always the best first step.
For Affirm accounts, you can log in and manage your plan at affirm.com. For Katapult accounts, you can access your account at katapult.com. Both providers have customer support teams available to help you work through any payment concerns.
Why Acting Quickly Matters
Regardless of which financing provider you used, addressing a missed or upcoming missed payment promptly gives you the best chance of resolving the situation without additional fees or negative impacts to your credit. Most financing providers offer options for customers who reach out proactively, so do not hesitate to get in touch with them directly.
Questions About Your Order?
If your financing concern is connected to an issue with your order, such as a return, cancellation, or refund that may affect your payment plan, the customer support team is happy to help get things sorted on the order side. You can reach out through the Contact page on the website.
Customer service is available Monday through Friday, 9AM to 5PM CST, with sales support available extended hours throughout the week and on Saturdays.