Klarna/affirm do often seem to be the thing I see 'not financially stable' folks use. Most recent example being someone considered an 'adult child' of the stat

Klarna/affirm do often seem to be the thing I see 'not financially stable' folks use. Most recent example being someone considered an 'adult child' of the state and on SSDI that used Affirm to pay for some xmas presents. > It's my understanding† that making payments with a credit card is no longer permitted, Ive never used them myself either but it would surprise me if they allowed credit cards for payment ever. In my head they were trying to make their money back on the loan via the merchant rate 'padding' (i.e. usually 1-2% of the item price). Which of course, in this non NZIRP/ZIRP climate means they have to find other ways of making/saving money... (didn't klarna just do a layoff?)