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Book a spontaneous flight to Tokyo this fall, and that $1,200 splurge with one-year financing through Affirm will turn into $1,440 once you consider 20% interest.

Paying $120 per month doesn’t seem like too much of a stretch to cover that cost, but doing so over 12 months means the trip will just be a memory by the time you’re done paying for it.

The truth is, we have great single men and women in all sorts of places.

So unless you are living on a mountain fire lookout tower somewhere, you'll probably find some great people nearby that you can try to seduce into a coffee date. When it comes to your personal life, some things are best not immediately shared with friends and family.

We developed our "dating watch dog" software that detects, analyzes and removes all inappropriate members.

Join for free and start browsing international personals immediately.

Read more: One simple step to avoid a drain on your bank account Here’s an example of how Affirm works: Let’s say you find a vacation package on Expedia but don’t have the money to pay for it.

The online lender instantly approves you for the loan and offers several payment plans.

Once you return from your trip, your first monthly payment will be due — with an interest rate as high as 30%!

The company says it charges no late fees, service fees or prepayment fees, but it reserves the right to refer delinquent accounts to a collection agency if you don’t pay your bill.

Are you dreaming of dating in California or romance in New York?

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