No cancellation fee in that scenario but it depends on what you're flexing as to whether they'll allow you to pay off the balance immediately. If the item's in-stock, you can pay it off in full right away, as far as I know. On the other hand, if it's a pre-order then you can pay everything except the final payment and shipping early. Sideshow won't allow you to make the final payment until the figure is actually in their warehouse and they assess shipping charges (and those two charges have to be billed together -- they won't charge the final payment for you early and then charge the shipping seperately once the figure's in-stock, say).