What an interesting direction taken by Sideshow.
You can now...
1. Pay in full
2. Buy on Layaway (formerly known as the artist Flex)
3. And now Get It Now on AFFRIM credit
(Rates are between 0–30% APR. A down payment may be required. Subject to eligibility check and approval. Payment options depend on your purchase amount. Estimated payment amount excludes taxes and shipping fees. Actual terms may vary. Affirm loans are made by Cross River Bank, Member FDIC. Visit affirm.com/help for more info.)
Basically with option 3, if you don't have the money now and are not willing to wait with the layaway plan with no interest charge, you can get an immediate fix and get it shipped to you by paying an additional 0-30% APR. So you didn't have the money to pay in full, didn't have the patience to wait it out, but it is ok to pay extra with the little money you make?
Naw, doesn't sound like predatory lending at all. This is business and the choice is yours.
I'm not sure if it's even worth mentioning but I think Sideshow also removed some of the customer limits on the Collector Editions but when you check out limit to 3. I wonder if this gives them more flexibility on pieces that don't sell as well but at the same time control resellers?