I at one point loved this app and have spent thousands using it. Had it rated at FIVE STARS. Now two stars. It made my life easir to get what I needed or wanted WITH NO MONEY UPFRONT. Sad to say I will no longer be using this app that now you are required a first payment upfront and also has gone too bi-weekly or weekly payments. Use to be once a month. With that being said, Thanks Affirm for the experience and trust. After my balance is paid off we will part ways.