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I have a credit score of 809 and they said there were no interest fees, late fee, etc with affirm. I was mortified by the given 3 choices: make 3 pymts@ 0% or the other 2 choices were different amounts at 29%! I bought a Rolex and thought I would have more time to pay if off but it would have added $1800 to the price by the time interest was added. I m lucky to have good credit but BEWARE if you don't. The lawsuits going around, if I'm not happy with the Rolex---I will return it and not be bound to site credit. There is a way around it. -Tara McSwain
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