Affordable is a dangerous word. Loan sharks always advertise their services as affordable. So do all sorts of "Get It Now - Pay Later" businesses. If it's affordable, the cost is often hidden or it's not worth even its affordable cost. Often both. And that's because the easiest people to rip off are the people who can't afford things. They are the ones likely to get it now and then keep paying for it later even years after realizing that they didn't want it in the first place.
