I am kind of disappointed in Affirm, although I love using this platform and have bought many items using them as a purchase option and I missed a few payments, but paid in the same month they are very unstable on giving other tries, sometimes the loan is approved, and then sometimes you get an email stating because of your payment history with Affirm we can't approve you. Yet there is some they will approve you for and then decide not to on others. Well I will say again I missed (3) payments and paid them off in the same month they were due -- My mother had a stroke and I had other priorities to pay off then just keep up with this payments. They will not make payment arrangements with you, and if you miss any payment they will not let that go and hold it against you for the time amount of the account is active. Affirm could work on being more accepting and understanding that people do go though hardships and work with you more. The partner banks they tend to use for decisions also could have a heart that things do happen and even look at the future not the past. So Affirm is a good payment platform but be careful to not miss a payment or you would be more branded for life as to speak because they don't seem to care for anything other than that mega buck.
I love Affirm, but don't miss any payments for any reason. My mom had a stroke, left her partially paralyzed from it and I missed a few payments but made them up in the same month. Affirm now sends a letter of denial stating they can't approve due to payment history. Affirm and Cross River Bank are very disappointing in this as I have current open orders paid on time or early. But because of my mother's health they won't removed the missed payment negative tradeline which is very cold due to circumstances. I have contacted both CRB and Affirm with personal letters and not even a letter back or any concern whatsoever, I guess it's all about the money. I will never give Affirm (5) stars due to this problem but if you have almost perfect credit or you don't miss a payment for anything than Affirm would be great for you. I do like using them but it seems to be a cat and mouse game for approval and preapproval most times ends up in "denied" I think some companies need to have more heart and consideration when something you can't control as to family and health issues to a few missed payments and not remove a negative tradeline for this than something is seriously wrong to the point of sadness and greed.