I've never (in my experience) seen credit-poor customers get approved by Affirm (or any other BNPL). I have, however, seen Affirm's other scummy side -- they h

I've never (in my experience) seen credit-poor customers get approved by Affirm (or any other BNPL). I have, however, seen Affirm's other scummy side -- they have a special 'workflow' with a partnership with Katapult, a lease-to-own provider, where the merchant can take an Affirm denial and push it to Katapult for an even more predatory rent-to-own loan at higher rates.