Finding a financial institution that truly cares about its members is rare, but that’s what I experienced with Toronto Credit Union. They take the time to understand your goals and offer transparent, helpful services. Many users have shared their experiences, and you can read about Affirm here https://affirm.pissedconsumer.com/customer-service.html While I found them convenient, there are some customer service issues to be aware of. Many users have shared their experiences, and you can read more about them here: Affirm Customer Service Reviews.