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firesteelrain06/24/20251 replyview on HN

Affirm can go up to 60 months on larger purchases

A bunch of tiny loans does not loom good


Replies

astura06/24/2025

Urban myth.

I successfully applied for a mortgage with ~30 credit cards open. Nobody batted an eye, or even commented on it. They looked at balances and credit score. Balances were almost all zero and credit score was excellent.

A hundred small loans that were all paid off on time over the last decade is extremely helpful getting you a mortgage, it doesn't hurt.

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