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📢 BREAKING - BNPL Giant @Affirm is partnering with @getesusu to offer rent payments.
The new program will allow renters to split their monthly rent into two equal payments made every two weeks.
➡️The service is being offered at 0% APR with no compounding interest.
➡️Affirm stated there are no hidden or late fees associated with this specific pilot program.
➡️The program is being run in collaboration with Esusu, a fintech platform that reports on-time rent payments to credit bureaus to help renters build credit.
➡️Affirm will underwrite every application individually, only approving users for what the company believes they can "responsibly afford to repay."
➡️The program is currently in its early stages; Affirm has not yet confirmed a date for a full-scale official rollout.
🚨There is a concern that if the repayment terms aren't managed carefully, a renter could still be paying off the previous month's rent when the next month's rent becomes due.
🚨 Because these payments are typically tied to a debit card or checking account, users must ensure they have sufficient funds at the biweekly intervals to avoid overdrafts or failed payments.
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What do you think? Should renters be splitting their rent payments into buy-now-pay-later loans?
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