I wish there were negative stars that could be used to describe such a company. Stay away from this company. They are underhanded and not to be trusted. Once they have you, there is no way to close an account with them. Even after you return the purchase and the company that you purchase the product from confirm that they have close the account, affirm refuses to acknowledge the closure and will try to hold you delinquent unless you make the payments for a product you no longer own.