Affirm Refund Policy
Last verified: 2026-03-19
helpcenter.affirm.com/s/article/get-a-refund
Video Guides
How to Get a Refund — Step by Step
- 1Contact the store directly where you made the purchase to request a refund.
- 2The store will inform you if a return is possible and the refund amount based on their policy.
- 3Once the store processes the return, they will notify Affirm.
- 4Affirm will then apply the refund to your loan balance, starting with the final payments.
- 5If you have already made payments, the amount will be refunded to your original payment method within 3-10 business days.
- 6You can check the status of your refund by signing into your Affirm account and selecting the purchase.
When You Can Get a Refund
- To request a refund, you must first contact the store where you made the purchase.
- Affirm cannot issue refunds or cancellations without confirmation from the store.
- The store's own return policy determines if a return is possible and the refund amount.
- If the store provides store credit instead of a refund, you are still responsible for your Affirm payments.
- Any interest you have paid is not refundable.
All Refund Methods
- Refund to original payment method
- Check
Partial Refunds
- If a partial refund is less than your loan balance, the refund amount will be deducted from your remaining balance, potentially resulting in fewer remaining payments or a lower final payment.
- If a partial refund is greater than your loan balance, the remaining balance will be canceled, and the leftover amount will be sent to your original payment method.
Dispute Process
- If you are unable to resolve the issue with the store, you can open a dispute with Affirm.
Additional Notes
- While waiting for your refund, you should continue to make any payments that are due to avoid them becoming overdue.
- It can take 21 days or longer for a store to process a return and for Affirm to update your account.
What Redditors Are Saying
I got my $10k back - Affirm pay refunds
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