Affirm is a buy now, pay later service that lets you split purchases into installment payments instead of paying upfront. When you use Affirm at checkout, you're taking out a short-term loan for that specific purchase. Understanding how Affirm works—what happens if you miss a payment, how to dispute a charge, or what to do if something goes wrong—matters because these transactions affect your finances and credit differently than a regular credit card.
The articles here cover what to do when Affirm payments become a problem: how refunds work when you return an item, what happens if you can't make a payment on time, how to dispute unauthorized charges, and how to handle situations where you've been charged incorrectly. You'll also find information about how Affirm reports to credit bureaus and what options exist if you're stuck in a payment cycle you can't manage.