STICKING WITH AFTERPAY! Affirm does not have it together. I purchased a Lull bed. Returned it, still in the box because they didn't send me my mattress pad for more than 3 months. AFFIRM must get kickbacks because they dropped approval amount by more than $1000! Like okay. Lack of transparency if you need to return they will always say they tried to do a return to your card but haven't and send you a check. Im going to stick with Afterpay! #ghetto Developer response: THE SAME BLANKET RESPONSE!