[captainoats]

For people who have the money and plan these 0% interest short/medium term loans can be a good deal. However, like this story shows you have to evaluate the reputation of the company because problems can happen. Personally if I were the author I would have just repaid the final payment, waited for the chargeback reversal to put me in a positive balance situation, then worked with Affirm to get a refund. That obviously assumes you have the cash to cover remaking the final payment but that’s just another part of risk mitigation when taking on debt.