Changing to 1 star I made a purchase using Affirm, today. It seemed smooth, at first. Once the payment plan came through, bestbuy (your merchant) canceled the order for lacking inventory. My finances got stuck in limbo, your customer service couldn't transfer the pickup and your app wouldn't complete a sale anywhere else. I ended up buying direct from BB, so I missed the perks, I paid more, didn't get Samsung points, got 1year of coverage instead of 2 for $90 and my credit got dinged twice!