<div id="readability-page-1">close Buy now, pay later giant Affirm is looking to help renters break up housing payments in ways that align with their biweekly paychecks.  Affirm is piloting a program in partnership with financial technology platform Esusu that will allow renters to split their monthly rent in two equal payments every two weeks at 0% APR. There are no hidden or late fees, or compounding interest with this pilot program, either, according to Affirm.  Esusu helps renters build credit by reporting their on-time rent payments to major credit bureaus.  JPMORGAN CFO WARNS TRUMP'S PROPOSED CREDIT CARD CAP COULD CAUSE PEOPLE TO 'LOSE ACCESS TO CREDIT'  The pilot program is designed to give &#34;eligible renters a flexible option for managing one of their largest monthly expenses,&#34; Affirm said in a statement to FOX Business, calling it &#34;a transparent option that offers flexibility for renters to align expenses with their paychecks.&#34;  Affirm said it underwrites every application individually and only approves people for what it believes they can responsibly afford to repay.  'BUY NOW, PAY LATER' SERVICES ARE DANGEROUS TRAP FOR YOUNG AMERICANS, FINANCIAL EXPERT WARNS  &#34;We’re approaching this use case thoughtfully and evaluating it alongside Esusu, which shares our focus on clear, consumer-first financial tools,&#34; Affirm continued.  The company didn't confirm when the pilot program would be officially rolled out as it is still in the early stages of the pilot.  LendingTree's chief consumer finance analyst Matt Schulz told FOX Business that this could be useful to those on a tight budget, but he cautioned that it is too soon to make a final judgment.  BUY NOW, PAY LATER PITFALLS: MANY CONSUMERS AREN'T PAYING LOANS  &#34;This is just another example of how it is getting easier seemingly by the day for people to use BNPL to finance most anything,&#34; Schulz said.  He noted that this doesn’t appear to be a typical pay-in-four BNPL loan, which, if it was, he cautioned that there could be serious risks. For instance, Schulz noted that a consumer could still have people paying off the previous month’s BNPL loan for rent when the next month’s rent comes due.  &#34;That could get messy,&#34; he said, adding that this financial tool can be really useful when used wisely, but &#34;the danger with BNPL is when you have multiple loans that you have to manage.&#34;  GET FOX BUSINESS ON THE GO BY CLICKING HERE  &#34;That can get tricky, especially if you’re not used to managing credit,&#34; he said.  The other key thing with this payment method is that it is tied to a debit card or checking account, so it is critical that users have enough cash in that account to pay the bill.</div>

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<p>Affirm 正在與 Esusu 合作試點一項 “先買後付” 計劃，允許租户將每月租金分成每兩週支付一次，年利率為 0%，且沒有隱藏費用。該舉措旨在幫助租户更靈活地管理他們最大的月度開支。儘管對於預算緊張的人來説，這可能帶來潛在好處，但專家警告管理多筆貸款的風險。該項目仍處於早期階段，Affirm 正在評估其推廣情況</p>

Affirm 將為租金支付提供先買後付的選項