<prompt> Human: I was planning on purchasing a new pair of shoes, but didnt wish to pay it all up front at the moment, so I chose affirm as my checkout method, and I was just wondering if it is completely legit and if anyone can vouch for it. Also take into fact that I have never paid in installments before.  <response>: It is a legit credit provider, sure.Youre taking out a loan to buy shoes, up to you whether or not thats really the decision you should make. 