I don’t really understand what financially competent person is using affirm. Generally when it comes to buying small nonessentials, if you can’t afford to pay for it now, the prevailing wisdom is don’t find a way to buy it, just do without.

I’m also curious to hear what the experience is like when you need to return something that was bought with affirm? Do they cancel the loan quickly? It appears their cs dept is under trained and doesn’t have the tools necessary to do a good job.