On paper legit, sort of, but really a scam. They aren't even who you are financing with.

Scam 100%! They will refuse to refund you even if you have the right to a refund. This company is not safe to use.

Affirm is scam for sure. Although merchant cancelled my contract and processed the refund Affirm is refusing to refund and screwing up credit score if you give SSN

Affirm is a real business but if something happens they will not have your back. They will hound you and threaten your credit and do absolutely nothing to resolve issues that are not your fault. I haven't received something I purchased 7 months ago. I did everything I was told and a few months in I realized they were milking me for monthly payments on a product I purchased but they have made NO EFFORT to resolve my issue and get my money back. The excuses are incredible. They will tell you they have a special team working just on your case. They will promise a return call and never make the call. So technically they may be a business but they are most certainly a scam.