Atrato Pago 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.