Forbes Fintech 50 2018: The Future Of Lending: Makes instant three, six and 12 month loans for purchases from 1,500 online merchants. A handful of sellers subsidize 0% rates, but most loans carry annual interest rates of 10% to 30%. Affirm says its machine learning technology allows it to lend to consumers who might not qualify for credit cards and that repayment helps them build credit histories.
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