An additional thing to keep in mind - borrowing money from a finance company (Afirm and others) no matter the amount, no matter the term, no matter if you pay on time or early will have a negative impact on your credit score. The credit bureaus view finance company loans as high risk lenders that are used often times when people are in a crunch or are making a purchase outside their means. Not saying anything bad against finance companies or anyone that uses them, I have at times used them if the deal was sweet enough - but be aware if you are a person that's working to build credit this can have the opposite effect you are working for.
Before anyone gets keyboard happy - I've been a loan officer for 22+ years, consumer lending, mortgages, construction and commercial lending. I've pulled literally thousands of credit reports. I don't know much in this world but what little I do know, I know well ;Clown lol. I've seen many first time borrowers come in to the bank who - thinking they've done the right things to build credit - are crushed when their scores come back low even when they've been making timely payments over a significant period of time to a finance company (because with limited credit history that's the only place that would approve them). Just be aware. Knowledge=power.
In my opinion Afirm is not much better than a loan shark at 10-30% interest APR. It is disappointing that legitimate vendors are advertising them on their sites.
