I was getting ready to buy a new phone from Ting and saw the offer of financing through Affirm. It said interest rates could be as low as 0%, which sounded great. I clicked through and they wanted to charge me almost 10%, even though I have an excellent credit rating. Not sure who they would offer the 0% to. Sounds misleading. Luckily I can afford to just charge it to my card and pay it off in full.
Financing with Affirm