Horrible company, go with PayPal. I signed up and was pre-qualified for $500 dollars. As a mat of fact, I even did an initial $125 payment that was required when I did the virtual card . When I went to Amazon to use my Affirm as payment I was denied. I spent an hour fighting trying to get this worthless app to even work. The funny thing is that income clearly should not be an issue. My bank account should not be an issue. I actually paid the whole $500 on Amazon directly. Affirm is worthless.