There are many purchases I have made with Affirm to take advantage of pay-over-time without interest. In these arrangements I imagine the product is giving Affi

There are many purchases I have made with Affirm to take advantage of pay-over-time without interest. In these arrangements I imagine the product is giving Affirm a cut. Also for bigger purchases, it's better than a credit card. I pay my Amex balance off every month, but during the pandemic I used Affirm to purchase a home gym setup, and paid it over the course of 6 months at a much lower interest rate. They are definitely not predatory in my view, but I don't have the perspective of a low-income person anymore.