Totally disagree. Lots of companies in lending are sleazy but Affirm seems the opposite. They mark-up at the start so you know what you are getting into. As

Totally disagree. Lots of companies in lending are sleazy but Affirm seems the opposite. They mark-up at the start so you know what you are getting into. As far as I can see, Affirm does not want you to carry a balance and get trapped into the compounding interest nightmare. To be fair, I have not used the service, but this is what I gather from scoping out the company and product usage.