If I return my purchase, what happens to my Pay in 4 loan?

If the return amount is more than your remaining loan balance, we’ll apply it to the loan first and refund the rest to your bank account. If the return amount is less, we’ll apply it directly to your loan balance. Once the loan is fully paid off, you may be eligible for another Pay in 4 offer within a week or sooner. It may take at least 24 hours after the merchant notifies us of a return, and return timeframes can vary by merchant.