Absolutely terrible app, stay away from using this company at all cost! I was trying to pay my bill, it asked me if I wanted to utilize autopay. The option (maybe later) was unclickable so restarted the app, happened again. I then get an email saying that thank you for your 3 payments! I call Affirm and they tell me there is nothing they can do till I am charged (which will overdraft my account) and then I won't get a refund for 3-5 days aftet. Absolutely shady business stay away at all costs!