What Happens to Your Affirm / Afterpay / Klarna Account When You Die
Quick Facts
Affirm
affirm.com/help
Afterpay
afterpay.com/help
Klarna
klarna.com/help
Step-by-Step Guide
Identify all active buy-now-pay-later installments
Check credit card/bank statements for Affirm, Afterpay, Klarna, Zip, Sezzle charges. These continue billing even after death.
Contact each service with death certificate
Each BNPL provider has an estate/hardship process. Contact support with death cert to settle or close outstanding installments.
Do not simply stop paying
Unpaid BNPL installments can go to collections and affect the estate. Formally close each account.
Warning: Unpaid installments go to collections
Document Now Checklist
- All active BNPL accounts and outstanding balances
Last verified: June 2026. Platform policies may change. Verify current procedures directly with Affirm / Afterpay / Klarna. This guide is for informational purposes only and does not constitute legal advice.
Related Guides
PayPal
PayPal balances are estate assets. Recurring payments continue until cancelled by executor.
Venmo
Venmo balance is an estate asset. Family cannot access the social feed or transaction history directly.
Cash App
If you hold Bitcoin in Cash App, document this separately — crypto recovery requires additional steps.
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