How to Get a Refund from affirm

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

1. Return to the merchant: Initiate a return with the original retailer (not Affirm).
2. Get confirmation: Obtain a return confirmation and refund receipt from the merchant.
3. Wait for processing: The merchant processes the refund to Affirm within 3-10 business days.
4. Check your Affirm account: Log into Affirm to see the updated loan balance.
5. 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