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What to know about buy now, pay later programs


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What to know about buy now, pay later programs

Assorted payment apps offering Buy Now Pay Later services as seen on an iPhone



Eric Glenn // Shutterstock

BNPL replaced a very similar system: layaway

A TV offerred with a layaway program



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They don’t affect your credit score… yet

Credit score report



Tada Images // Shutterstock

Popular among millennials and Gen Z

Payment options including PayPal, Afterpay, and Klarna as seen on Lululemon’s checkout page



Jonathan Weiss // Shutterstock

It’s a largely unregulated industry

A local Better Business Bureau office



Tada Images // Shutterstock

They make money from the retailer—and from late fees

Afterpay mobile app login page as seen on an iPhone


Article Topic Follows: Money

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