I have used credit to purchase firearms, but not because I didn't have the cash. There was a local gun store in town who had a 1 year same as cash every August. I always bought at least 1 gun and paid it off in full just before the year was up. Credit is a tool and used correctly can be a valuable one. Credit is not there to make something affordable, which is unfortunately how it is often used. I use credit cards for everything and pay them off every month. When I buy a new car, I push the dealership to let me put at least 10k on my preferred rewards card then pay it off. They usually try to limit it to 2500. Then your credit score runs up to 850 and you have additional options. I will always, always always use other peoples money when it is free. There is no downside unless they offer a discount for cash, which you should always ask about if you are paying with it. You would be surprised about who will give you a discount for cash and paying in full up front. Just my 02 on the subject of credit.
BTW I am in the banking business and have never heard of the company mentioned by the OP. There are a huge number of fintech's popping up in the credit world, some ok some not so good. Regulators are looking closely at them, but they are not regulated like a banks are.
