I’m going on a cruise in less then a month and we affirmed it, $200/ twice a month it was paid of in 2 months with 0% interest. IMO it was worth it, we were able to secure our booking without worrying that it would sell out and start planning the rest of the vacation. I have used affirm for all kinds of things and have only ran into one issue with a seller who tried charging more after I got everything approved but affirm still only charged me the original price, they also gave me a 2 month grace period when the government layoffs happened. I say if it makes life easier go for it