I got approved for $1150 for Casper at 0% financing for 6 months. They did ask me for income, unfortunately I did not see that part of the forum responses until after I applied because we desperately need a new mattress and I'm trying to save and pay off baddies aggressively. I havent seen the HP come through yet and I do have several monitoring sites set up including myFICO - usually they are immediate? Crossing my fingers it was a soft.
PS - my credit scores are between 600 - 620 across the board! I was shocked to get approved, much less with 0%.
Used them in 04/2017 to pay for hotel stay in Puerto Rico and it was a soft pull for $2300 on Experian. Never showed as as a hard pull. I was going to pay it off within 30 days due to having to pay the interest, but they report as an installment loan. Experian score shot up 20+ with the installement loan. It took about 30 days for the account to report. Wish they reported to all three bureaus. Have the funds to pay, but at this point it's only $210 in interest and worth it for the increase in score considering post BK.