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Return and exchange

Get a refund
In order to get a refund, please contact the store where you bought your item to request a refund. They can let you know if a return is possible and how much the refund will be, according to their own return policy.
Once we receive the refund, the refund amount will show up in your loan timeline within 3–10 business days, and your balance will be updated.
Making payments
While you’re waiting for your refund, please continue to make any monthly payments that are due.
Refund application
Refund is less than balance
If your refund is less than your total purchase balance, it might not lower or cover your next monthly payment. Instead, you can expect fewer monthly payments, a smaller final payment, or both.
Refund is more than balance
If your refund is more than your purchase balance, you will get back the difference, minus any interest you have paid. We will credit your payment method within 3–10 business days.
The refund was initiated 180 days or more after the original payment.
Your original payment method is closed or no longer active. Since Affirm cannot issue a refund to a different account, Affirm will refund by check.
Our payment processor is unable to process the refund back to the original payment method.
To ensure you receive your refund in a timely manner, we want to make sure your address information on file is up to date. In most instances you should expect to receive your check within 30 days of when you became eligible for the refund.
If you overpaid a loan payment, you can request a refund here. You will receive the refund by check if you made the payment by check.

Refunds for paid interest
Unfortunately, we do not refund paid interest. When you make payments, the funds are first applied to the accrued unpaid interest and then the principal. Since interest is the only cost of borrowing with Affirm, it is not refundable.