I have spent THOUSANDS of dollars through Affirm and never had any issues. My most recent purchase, I did have an issue. I ordered a product, and said product was never delivered to my house. I put in a dispute. I provided my evidence. I got an email that more evidence was requested. I provided it again. 2 days later, I got the same email. THREE TIMES, I had to resubmit my evidence. I got an email this morning that they finished their investigation and have sided with the merchant (of course they did) and that the merchant provided proof of delivery. THEY DID NOT DELIVER TO MY HOUSE!!!! They delivered to a different address, so now I am stuck paying for a product I never physically received. That's messed up. So that being said, I will not bother to use Affirm anymore!!
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