Getting a loan for such a small amount and for an online transaction, sounds like a poor decision. I honestly don't understand people using these tools, they se

Getting a loan for such a small amount and for an online transaction, sounds like a poor decision. I honestly don't understand people using these tools, they seem a recipe for disaster. When I didn't have money to purchase the things I wanted I saved and then purchased the item, I didn't get a loan. A chargeback to Affirm sounds like a bureaucracy nightmare, couldn't the op contact Affirm and get them to chargeback the merchant? Do they have a procedure for this? That said, Affirm exhibited terrible customer support and for that they should be held accountable.