The App is good but their partners integration is VERY BAD! I bought several things from Amazon and I thought their payment solution would be seamless. But it wasn't. I had to go to the app and generate a 1 time credit card then charge it. The worst experience is with REFUNDS. Regular cards will hold the dispute amount until a resolution. I purchased a phone from Visible but refused delivery on 12/28. Affirm does NOT do this. You'll be responsible for the monthly payment until they resolve it!