Be aware Affirm does a hard inquiry on your credit report for each "pay as you go" loan. So if you do 4 loans in 3 months as I did, that's 4 hard inquiries dinging your credit score. In addition, after each loan is paid in full, they report it as such to the credit bureaus, which sounds good until you realize a bunch of short term, non-revolving credit lines paid in full in a short time also isn't good for your FICO score. (Affirm casually leaves that info out...wonder why.)