Affirm's app works fine. It will pester you relentlessly to sign up for auto-pay. Never sign up for that. They will also freeze/disable your spending limit with them for any or no reason, even if you have paid off loans and never missed a payment. Cannot recommend them under any circumstances. If you need customer service, God help you because Affirm won't. You'll have better luck finding Jimmy Hoffa before getting to a live human being rather than endless FAQs. All these responses from names in customer care are people you will never find using the service itself. They only respond here to give the illusion they give a damn. Notice how none of them provide ways to reach them?