Returns on financed purchases are not accepted. The lender and broker keep ~30% of the purchase up front and we are only paid out monthly after each successful repayment is made by the borrower. There is little to nothing available for refund until the loan is repaid in full. A borrower may stop making payment on the loan; however, we will blacklist such borrowers and remove all program(s) from their Member's Area until such time that the repayments begin once again.