1. Before the merchant ships

When you confirm a purchase, the amount is only held on your FINEXA limit. If you or the merchant cancel the order before it is shipped, the hold is released and no loan, interest or fee is charged.

2. Returns and refunds after purchase

• Returns are handled under the merchant’s own return policy; FINEXA is not the seller.
• When the merchant refunds the order through FINEXA, your loan principal is reduced automatically and your remaining EMIs are recalculated. You receive an email with the new schedule.
• A full refund closes the loan. Unpaid interest and processing fees are waived.
• If you had already repaid more than the reduced loan amount, the excess is refunded to your bank account within 7 working days of the merchant’s refund.

3. Cooling-off period

You can exit any purchase loan within 3 days by repaying the principal, with no penalty and no processing fee. The order itself stays with the merchant under its return policy.

4. Split payments

If part of your order was paid with FINEXA and the rest with another method, each part is refunded to its own payment method. The FINEXA part reduces your loan as described above.

5. Repayments made by mistake

If you pay more than you owe, or pay twice, contact care@finexaemi.online with the payment reference. After verification, excess amounts are refunded to the source account within 7 working days.

6. Fees

FINEXA has no joining or annual fee. Processing fees are refunded only as described above (full refund or cooling-off exit). Late payment charges already applied are not refundable unless charged in error.

7. Need help?

Raise a request at Support or email care@finexaemi.online. FINAEXA FINANCE PRIVATE LIMITED (CIN U64990AS2025PTC028047), Assam, India.