Straight trash! The way I see it. If I'm handing you my money, the least you could do is have a customer service line that works. I made 3 payments, and they're saying that I didn't pay my bill. Yet, it comes up on the site as nothing is due. But they're not letting me charge anything, because the say I didn't pay the bill. Make it make sense beloved. The only way to get in contact with them is through chat, and that's a 2hr wait. Don't waste your time with affirm. Their practices are horrible.