Lendflow - Credit Decisioning Engine alternatives

I use Affirm for my Peloton loan. My biggest issue is that I can't change the date on when the payment will be taken. I would actually like it to come earlier in the month because I submit a receipt for reimbursement via my company's health benefit, but it's not an option in Affirm. Pulling receipts could be easier too. I also had an issue where I got a new phone number, and it logged me into the account of the previous owner of that phone number, giving me his name, email and address. Not good.

Buyer beware is right. Codat may tempt with its powerful application/API for harnessing user financial data, but it's an absolute nightmare to deal with. Customer service? Expect a sluggish back-and-forth with a one-email-a-day pace. Integration? Prepare for a labyrinth of complexities. Hope for a helpful account executive? Dream on. I've been ensnared in the Codat quagmire for two long years, all thanks to an integration process so headache-inducing, it's like a leech latching onto my system. Once it’s in, good luck getting it out. The experience is akin to being stuck in a digital swamp with no lifeline. The promised functionality becomes a facade when the reality of sluggish service and convoluted integration hits you. So, if you value your time, peace of mind, and the smooth operation of your system, steer clear of Codat. Your future self will thank you