To get a refund from Affirm in 2025–2026, the merchant must process the return or cancellation first. Affirm then updates your loan balance, reducing or eliminating remaining payments. Refunds for disputes require evidence, and unused funds are automatically adjusted back to your payment method or loan account.
Learn how to get a refund from Affirm in 2025–2026. Discover refund eligibility, dispute handling, unused funds, and return policies with step-by-step guidance for faster resolutions.
How Do I Get A Refund From Affirm [2025–2026 Guide]
Affirm allows customers to split purchases into installments, but refunds work differently compared to credit cards. Since Affirm is a financing service, merchants play a central role in processing refunds. Whether you canceled an order, returned an item, or want to dispute a charge, understanding the updated refund process in 2025–2026 is essential.
💵 Can you get your money back from Affirm [2025–2026 Guide]
Yes — but refunds with Affirm depend on the merchant’s return policy. Here’s how it works:
- Request a Return from the Merchant – Affirm cannot issue refunds without seller confirmation.
- Merchant Approves Refund – They notify Affirm of the refund amount.
- Loan Balance Adjustment – Affirm reduces or cancels your remaining balance.
- Excess Payments – If you’ve overpaid, the extra is refunded back to your bank account.
Refund timing varies — most refunds appear in 5–10 business days, depending on the merchant and your bank.
💳 How to refund unused funds on Affirm [2025–2026 Guide]
Sometimes, merchants don’t charge the full loan amount (for partial orders, canceled items, or unused funds). In these cases:
- The unused balance is released automatically back to your Affirm account.
- If the merchant charged less than approved, Affirm adjusts your repayment plan.
- If you already made payments, Affirm applies the difference as a refund.
For example: If you were approved for $500 but only spent $400, your Affirm plan adjusts to $400, and you don’t pay interest on the unused $100.
⚖️ How to win a dispute with Affirm [2025–2026 Guide]
Disputes with Affirm follow a clear process:
- Contact the Merchant First – Most issues are solved directly with the seller.
- Gather Evidence – Keep receipts, order confirmations, and communication records.
- File a Dispute in Affirm App – Select the transaction and click “Dispute this purchase.”
- Affirm Investigation – Affirm reviews your evidence and contacts the merchant.
- Outcome – If approved, your loan balance is reduced or canceled.
Tips to win: Provide detailed proof (like tracking numbers, defective product images, or cancellation confirmations). Affirm usually resolves disputes within 30–45 days.
🔄 Returns, cancellations, Disputes and Refunds [2025–2026 Guide]
- Returns – Processed by the merchant; once approved, Affirm updates your loan.
- Cancellations – If the merchant cancels an order before shipment, Affirm cancels the loan immediately.
- Disputes – Handled through Affirm’s internal investigation, with strong emphasis on merchant cooperation.
- Refunds – Issued back to your original payment method or reflected as loan balance reductions.
If you’ve already made payments, Affirm refunds any extra money after the merchant confirms the refund.
You can manage disputes and refund requests via the official Affirm Help Center.
⚡ Tips for Faster Refunds
- Always request refunds directly through the merchant first.
- Pay attention to return windows to avoid rejection.
- Use Affirm’s app to track refund status in real time.
- Keep proof of cancellation and shipping labels.
- Make payments on time while waiting — Affirm will adjust or refund once resolved.
✅ Summary of Affirm Refund Guide
| Section | Key Takeaways |
|---|---|
| Refund Process | Merchant approves → Affirm updates loan balance |
| Unused Funds | Auto-adjusted, no interest charged |
| Winning Disputes | Strong evidence required, usually 30–45 days |
| Refund Timing | 5–10 business days depending on merchant |
| Policy Coverage | Returns, cancellations, disputes, all processed via merchant first |
❓ FAQ – Affirm Refunds 2025–2026
1. Can Affirm refund me directly without the merchant?
No, Affirm only processes refunds after the merchant confirms approval.
2. What happens if I return an item after making payments?
Affirm adjusts your loan balance and refunds extra payments to your bank.
3. Do I still need to pay while waiting for a refund?
Yes, continue payments. Once approved, Affirm will refund or adjust your balance.
4. How long does a refund take with Affirm?
Typically 5–10 business days, though some disputes take longer.
5. Can I dispute a charge if the merchant refuses?
Yes, you can file a dispute directly in the Affirm app with proof.