StuffNbutts

Looking through this thread, everything.

Dude relax the post is only 40 minutes old my god

It sounds like they assess subjectively and weight their decisions based on ability to pay rather than history. Maybe their data is showing it's not that big of a discrepancy in profitability and they have access to a decent market they can be aggressive in, hence the no fees and 0 apr. Obviously they aren't the first but I'm also curious what kind of numbers they're projecting.