I filled out app. On-line, because of my other half kept insisting I give it a try. Well, after putting out my information out there on the web site. I thought I'd give it a try ny trying to purchase a car battery at Wally world. I had been pre approved for up to a good reasonable amount. Then tried getting the battery on the Affirm account. And was denied , not that I needed the payment plan. I just paid for it with cash. And unistalled the Affirm account. Good BYE ! AND GOOD RIDDANCE ! THANKS