Never nothing good about affirm. Try zip and klarna. Zip states you will get a raise for a larger amount to barrow after completing payments on time. I've used zip for 2 years and never got a raise until I complained. I got $20 raise. I recommend Zip only for the extra help for food or bill pay. Klarna. I'm new. It's slow, yet after 3 months of payments on time. I'm at $400 credit. You will not lose money. No direct deposit. I use a prepaid card to pay all online items with both apps.