Shallow dismissals are a scourge on HN, and you made it worse with the snark of "I can't believe" and "this guy". In fact, with a single drive-by swipe you dismissed not only the article and someone's current project, but the entire person and an entire business sector to boot. That's a lot of dismissing—it reminds me of the fairy tale, "Seven in one blow." And it's harmful here, so please don't post like this.

If you have a case to make, you're welcome to make it substantively. If you can't do that or don't have time, please don't post at all. That way you at least won't degrade the thread.

Totally disagree. Lots of companies in lending are sleazy but Affirm seems the opposite. They mark-up at the start so you know what you are getting into. As far as I can see, Affirm does not want you to carry a balance and get trapped into the compounding interest nightmare. To be fair, I have not used the service, but this is what I gather from scoping out the company and product usage.

> A bit sleezy tbh.

Care to explain yourself? Are you confusing Levchin with Thiel? Granted they co-founded Paypal, but if you see Levchin's public talks (at SXSW, YC School etc), you'll see he's a very honest individual.

Affirm itself was formed because Max felt it wrong that Big Banks makes a majority of Profits on hidden, sleezy, fine-print fees. He says this so himself at the SXSW Talk (search in youtube).

Affirm touts itself as being honest and upfront about each and every charge or fee for their service.You can see it on their website.

There are only so many areas where having capital and calculating the same numbers that everyone else has differently can reap great profits. I think lending is one such area.