It's been great so far except I went to get something off Amazon & Affirm wanted me to log in or sign up with my phone number. I entered my number to get a security code & when I did it said I already have an account & to log in to Affirm. I was using the app/already logged in. So I ended up using my husband's number to finish the order and it charged the down payment, but didn't check out my item. It's still in the cart and there's no record of it on affirm, yet it took the down. Stop deleting.