How do I get a refund when I purchased with Affirm?
Affirm can’t make returns independently. If you’re eligible for a refund, reach out to Back Market Customer Care to start the process. Just log in to your Back Market account > "My orders" > "Ask for help".
Once the return has been processed by Back Market, your refund will show up on Affirm within 3-10 business days. Note that if you paid using a virtual card, it could take up to 45 days for a refund to appear on your loan timeline.
What if I still have upcoming payments?
While you’re waiting for your refund, you should continue to make any monthly payments that are due with Affirm.
How will my refund be given?
If your refund is less than your balance owed
If your refund is less than your remaining balance, it might not lower or cover your next monthly payment. Instead, you can expect fewer monthly payments, a smaller final payment, or both.
If your refund is more than your balance owed
If your refund is more than your balance, you’ll get back the difference, minus any interest you already paid. Affirm will credit your payment method within 3-10 business days.
Refunds made by check in special circumstances
There are a few cases where Affirm will refund you by check.
The first instance is if you made your payments by check (including money orders, MoneyGram, cashier's check, and so on). This is because Affirm usually makes refunds via the original form of payment.
However, there are a handful of special cases when you will get a refund by check when you originally paid with a debit card or ACH payment. Those are if:
The refund was initiated 180 days or more after the original payment.
Your original payment method is closed or no longer active.
Our payment processor is unable to process the refund back to the original payment method.
Do I receive a refund on interest collected by Affirm?
Since interest is the only cost of borrowing with Affirm, it isn’t refundable.
When you make payments via Affirm, the funds are first applied to interest and then to your purchase balance. Your refund amount will be minus the interest you’ve already paid.
Where’s my refund?
You can check if you’ve been refunded on your Affirm account. Go to Affirm
Step 1. Sign in to your Affirm account.
Step 2. Go to “Manage”.
Step 3. Select your purchase.
Step 4. Check for your refund in your purchase details.
Don’t see it? Your refund will show up within 3-10 business days.
Still waiting? Reach out to Affirm via their Help Center