[tehlike]

affirm is one of those things that was pretty interesting. Coming from a country where micro-installments at PoS was standard, i always thought it was really interesting the US didn't have it.

Good for them, I'll be buying shortly after their IPO.

[ac29]

Maybe not quite the same thing as in your country, but layaway used to be fairly common in the US: https://en.wikipedia.org/wiki/Layaway

[tehlike]

This one is also interesting. I might not be old enough to remember something like this, even old times circa 1990s installments would let you have the item immediately, but be paid over time.

The PoS thing i am talking about was even before ecommerce was common was mostly decentralized through the seller. Overtime, banks started getting into this niche, and when you were paying with credit card, they offered you installments usually at 0% apr for few months. Eventually this moved to e-commerce with websites offering similar payments.

I also sort of remember in the US some credit cards (probably chase?) offered installments after you pay for the item - you'd login into your account, and pick a purchase to pay over time.