Affirm is the worst don't ever use this if you protect your credit. Somebody did an unauthorized charge on my account and I've contacted a firm 4 or 5 times by email and they charged it off it affected my credit in a bad negative way. Now I'm it's been over 2 months and I'm still waiting for the 3rd party credit company to do their investigation. Affirm said it's not their problem all they do is give people money and they could care less if somebody fraudulently uses the account