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Unfair reviews on here. This is a 5 star product that has saved me so much money from predatory billing. Highly recommend to everyone, especially if you use 1Password.

Falsely advertised as a “no fee” card and then began charging fees after two years of on time payments and <10% credit utilization rate. Avoid at all costs, they take advantage of people with little credit history.

I use Affirm for my Peloton loan. My biggest issue is that I can't change the date on when the payment will be taken. I would actually like it to come earlier in the month because I submit a receipt for reimbursement via my company's health benefit, but it's not an option in Affirm. Pulling receipts could be easier too. I also had an issue where I got a new phone number, and it logged me into the account of the previous owner of that phone number, giving me his name, email and address. Not good.

Despite its advanced capabilities, the tool is intuitive and easy to navigate, which made onboarding quick and seamless

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