Some Millennials are financing everyday items. They’re avoiding credit card debt, but often agreeing to higher APRs to go through third-party payment companies like PayPal and Bread. For instance, Brooklinen joined up with Affirm (which we covered back in 2015) to offer payment plans for their higher-end sheets, with APR rates ranging from 0% to 30%. With the average credit card rate at 17%, or zero if you’re paying cash, some are paying a premium. (Marketwatch)
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