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Comment by tw04 | Hacker News Reader

I think HN drastically underestimates how many average folks would actually enjoy having an easy to use interest free payment option. Not everyone lives in the valley and makes 6+ figures. With Christmas right around the corner I'm betting a ton of folks will welcome the option to spread their bills over 6 payments for free.

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These services are trivial to access by... just Googling for them. It's that simple. No need to promote them in-browser.

Again, you're assuming the average consumer is equipped to evaluate who is a valid lender and who is a scam. That's simply not reality.

If you can't take 5 minutes to verify who is lending you money, you probably shouldn't be doing it in the first place.

I don't know about other countries, but at least the UK has a very large website/community dedicated to household financials, bills and so on, called Money Saving Expert. It's more than likely that such services would be mentioned, if your country has a corresponding site.

If you can't afford it, then maybe don't buy it in the first place.

Ahh yes, the old: if you don't want to get pregnant just don't have sex. Nothing better than a condescending non-answer to the problem.

Conspicuous consumption (because that's most likely what this will be used for) is not a problem that needs to be solved.

The business model of companies like this is preying on people that don't pay on time. How are you defending such a scummy practice? It's preying on poor people that don't know better. I've seen family and friends get fucked by these companies.

The "thanks to us, they can now afford Christmas" excuse is what the sociopathic executive of a loan shark company uses to justify its existence.

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