How to Get a Refund from Affirm
Step-by-step guide to getting your money back from Affirm
Quick Answer: Affirm Refund Policy
- Refund Window
- 30 days
- Refund Method
- Original payment method
- Key Condition
- Must contact support first
Affirm Refund Policy
About Affirm Charges
Affirm is a buy-now-pay-later (BNPL) company that lets consumers split purchases into installment payments. Charges appear as "AFFIRM," "AFFIRM INC," or "AFFIRM LOAN." Common charges include bi-weekly or monthly installment payments, interest charges (0-36% APR depending on the loan), late fees, and one-time payment charges for Affirm purchases.
Unexpected charges may come from automatic installment payments being deducted, interest accruing on non-0% APR loans, or multiple Affirm loans you may have forgotten about across different merchants.
Affirm Refund Policy
Affirm refunds work differently from traditional refunds:
- Returns through the merchant: Return the item to the original merchant — they process the refund back to Affirm
- Affirm adjusts your loan: Once the merchant processes the refund, Affirm reduces or eliminates your remaining payments
- Partial returns: Affirm adjusts remaining payments based on the refund amount
- Full returns: Affirm cancels remaining payments and refunds any payments already made
- Interest refund: Affirm refunds interest paid on the returned amount
How to Contact Affirm Support
- Phone: 1-855-423-3729
- Email: help@affirm.com
- Chat: Available in the Affirm app
- Website: helpcenter.affirm.com
Step-by-Step: How to Get an Affirm Refund
- Return to the merchant: Initiate a return with the original retailer (not Affirm).
- Get confirmation: Obtain a return confirmation and refund receipt from the merchant.
- Wait for processing: The merchant processes the refund to Affirm within 3-10 business days.
- Check your Affirm account: Log into Affirm to see the updated loan balance.
- Contact Affirm if needed: If the refund isn't reflected within 10 days, call 1-855-423-3729.
What to Do If Your Refund Is Denied
If the merchant or Affirm won't process your refund:
- Dispute with Affirm: File a formal dispute through the Affirm app or website
- Contact the merchant directly: Escalate with the retailer's customer service
- Bank/card chargeback: Dispute the original Affirm payment with your bank
- CFPB complaint: File at consumerfinance.gov
- State attorney general: File a consumer complaint
Official refund policy
View Affirm's full refund policyHow to Get a Refund from Affirm: Step-by-Step
Follow these steps in order to maximize your chances of getting your money back.
- 1
Log in to your account
Visit Affirm's website and sign in to the account used for the purchase you want to refund.
- 2
Find your order
Navigate to your order history or "My Orders" section. Locate the specific item or order you wish to return or get a refund for.
- 3
Submit a refund request
Look for a "Return", "Refund", or "Help" option next to your order. Fill out the refund request form with the reason for your return.
- 4
If denied, contact support directly
If your online request is rejected, reach out to Affirm support at help@affirm.com or call 1-855-423-3729. Explain your situation and ask for escalation to a supervisor.
- 5
File a chargeback with your bank
If Affirm refuses a valid refund, contact your bank or credit card issuer to dispute the charge. You have up to 60-120 days from the statement date to file.
- 6
Escalate if needed
For persistent issues, file a complaint with the Better Business Bureau (BBB), your state Attorney General, or the CFPB at consumerfinance.gov/complaint.
Common Refund Situations
Select the scenario that best describes your situation with Affirm.
Subscription charged after cancellation
You cancelled your Affirm subscription but were still billed the following month. This is a common issue — contact support with proof of cancellation.
Defective or damaged product received
Your order arrived broken or not working as described. Affirm is generally required to offer a refund or replacement for defective items under consumer protection law.
Order never arrived
Your package was marked as delivered but never arrived, or was significantly delayed beyond the estimated date. File a non-delivery claim with Affirm immediately.
Item not as described
The product you received doesn't match what was advertised on Affirm's website — wrong color, size, or features. This qualifies for a refund under most consumer protection laws.
Unauthorized charge on your account
You see a charge from Affirm that you didn't authorize. Report this immediately to both Affirm and your bank — this may qualify as fraud.
Changed your mind / buyer's remorse
You want to return an item you no longer need. Success depends on Affirm's return policy — act quickly as most merchants have a limited return window.
Contact Affirm Directly
Before filing a formal dispute, try reaching out to Affirm directly. Many issues can be resolved faster this way.
Affirm Refund Timeline
Here's what to expect after you submit your refund request.
Day 0
Request Submitted
You submit your refund request online or via customer support.
Days 3–5
Processing
The merchant reviews your request and approves or escalates it.
Days 5–10
Under Review
Refund is being processed by the merchant's finance team.
Days 10–14
Credit Issued
Funds are returned to your original payment method.
Day 0
Request Submitted
You submit your refund request online or via customer support.
Days 3–5
Processing
The merchant reviews your request and approves or escalates it.
Days 5–10
Under Review
Refund is being processed by the merchant's finance team.
Days 10–14
Credit Issued
Funds are returned to your original payment method.
* Timelines vary by merchant and payment method. Credit cards typically process faster than bank transfers.
If Affirm Refuses Your Refund
You have rights. If the merchant won't cooperate, here's your escalation path — in order of ease and effectiveness.
Step 1.File a chargeback with your bank
Contact your credit card issuer or bank and dispute the charge. Provide documentation of your refund attempt. You typically have 60–120 days from the charge date.
Learn how to file a chargeback →Step 2.File a BBB complaint
Submit a complaint to the Better Business Bureau (BBB). Many companies respond quickly to BBB complaints to protect their rating.
File a BBB complaint →Step 3.Contact your state Attorney General
File a consumer complaint with your state AG office. This creates a legal record and may prompt an investigation if the company has a pattern of violations.
Find your state AG →Step 4.Report to the CFPB
Submit a complaint to the Consumer Financial Protection Bureau (CFPB). They track complaints against financial services and can take regulatory action.
File a CFPB complaint →Want help with a chargeback? Our dispute experts can guide you through the process and write your dispute letter. Start your free case →
Frequently Asked Questions: Affirm Refunds
How do Affirm refunds work?
Can I dispute an Affirm charge?
What happens to my Affirm loan if I return an item?
How long does an Affirm refund take?
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