I placed an order and chose 4 installment payments just in case I needed to stop payment. I've ordered other products with installment plans and always had my product before the second payment. My second payment is coming due and still no products so I went on affirm website and stop payment. That way if I get nothing, they won't get nothing. If the products eventually show up and I'm pleased with them, I'll go back and pay in full. But since they offer no refunds or exchanges, if I'm not satisfied, I won't pay the rest of the amount. So buyer beware. And when I looked them up on the internet it said they were permanently closed! And the place looked like a motel where they were located.