Buy Now, Pay Later?

[{"selector":"#anim-b38e535c-6614-4488-99a1-0ec42724c853 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-9c3e6529-f582-4f1b-9d62-5fa59d62cd4c","keyframes":{"opacity":[0,1]},"delay":0,"duration":700,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-71eeddd8-2196-45aa-ab02-d7ae6e089c64","keyframes":{"transform":["translate3d(-137.49998%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":200,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1b80f4b7-4af8-40ea-88b6-910a372ba91f","keyframes":{"opacity":[0,1]},"delay":200,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8896ac6f-fda7-443d-948f-2bbaaf3e1423","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":200,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-2612294f-2cca-4b51-b719-e47e5831461c","keyframes":{"transform":["translate3d(-137.49998%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":260,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-884182b3-c303-45ec-85b2-9c856fe5e446","keyframes":{"opacity":[0,1]},"delay":260,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1c3b7410-2e88-4d1e-ac54-63f0f84a2f79","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":260,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-27735b76-6d82-4162-b5a6-da215dec2a52","keyframes":{"transform":["translate3d(-137.49998%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":320,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-34ac417c-61e4-45dd-865c-f93fef34104a","keyframes":{"opacity":[0,1]},"delay":320,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7b20daee-cad5-4857-9f36-77ebee8c7f71","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":320,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-db1e8ca6-c128-4ec2-9717-8d5b674a634e","keyframes":{"transform":["translate3d(-137.49998%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":380,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-869cdad5-b1a9-4e5b-81e9-60838a2e47be","keyframes":{"opacity":[0,1]},"delay":380,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-53dd3d5f-b2b0-494a-a657-c8f36a5a3b85","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":380,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-b7ce7269-803e-4a21-8cbf-9b6dddb621a3","keyframes":{"transform":["translate3d(-137.49998%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":440,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-55bdf8be-df25-4d2b-8fb0-5319631c58fc","keyframes":{"opacity":[0,1]},"delay":440,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4a570cb4-447d-40b9-adf1-f34436466ae9","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":440,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-1a9c9ab6-7cd9-4a4b-990b-b696a8f73661","keyframes":{"transform":["translate3d(-137.49998%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":500,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5b414ea9-6e72-4ad5-b675-793874d29837","keyframes":{"opacity":[0,1]},"delay":500,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-94542814-03f3-45f6-9184-ba714e904926","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":500,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-f15a77ed-279e-471a-aa66-b2841e6bd02c","keyframes":{"transform":["translate3d(-137.49998%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":560,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1e3f403f-997f-42bb-ac48-0192268b4a3c","keyframes":{"opacity":[0,1]},"delay":560,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1cca0f57-782d-460b-ab13-ba62f6b2009d","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":560,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-12726aca-0de7-4442-870b-43477e59bdfd","keyframes":{"opacity":[0,1]},"delay":700,"duration":700,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1eae4630-48a0-41e4-a032-fcad0a42b2df","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dd4b2df3-9222-4fd2-9411-6c760b044413","keyframes":{"opacity":[0,1]},"delay":800,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4dafb993-3e93-4403-accf-cd56b5309ca1","keyframes":{"transform":["translate3d(0px, 256.94442%, 0)","translate3d(0px, 0px, 0)"]},"delay":800,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-559bd54f-fb13-4175-b4d0-2c16623bdfc9","keyframes":{"opacity":[0,1]},"delay":1300,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-be2bcd6b-456b-49f8-9bbd-7029323ce902","keyframes":{"opacity":[0,1]},"delay":1600,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ ★ ★ HOLIDAY MONEY What pay-in-4 plans really cost this season. Photo: Shixart1985 / Wikimedia Commons (CC BY 2.0)

How Pay-in-4 Works

[{"selector":"#anim-f98b38c1-1716-4490-b622-15284d029de7 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-a86772f5-4b99-4a62-9202-a208589c65f2","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9aa571df-a6b0-421e-801d-a3a2d5da7dc9","keyframes":{"transform":["translate3d(0px, 130.97797%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7aea0ed9-5d0c-49ed-93ec-4a48cc0b5907","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b21fae04-ad2c-4c10-a939-f1c40a634cea","keyframes":{"transform":["translate3d(0px, 135.71817%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-868fa9f0-880d-417a-bce5-777d107994e5","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-07472081-1b8f-4393-a5b8-b59a347a5193","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-778fc863-0eb3-4b62-8dba-f31e4e7b08ff","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-fd725cb9-773d-4777-8ca1-7b64fb00d7a3","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-5bbac276-7ccb-4cb4-ad49-f42530a93a9a","keyframes":{"opacity":[0,1]},"delay":450,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d3db469c-0f03-4a6b-be4f-59dac8d7f94f","keyframes":{"opacity":[0,1]},"delay":600,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-287b4a38-ace5-42d0-92a4-34ce0b717c85","keyframes":{"opacity":[0,1]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b2b79fda-9ce4-4da2-b284-bd59f36d8ebc","keyframes":{"transform":["translate3d(-156.66667%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b2753cbf-b5b5-4854-8f2f-ed63205c121d","keyframes":{"opacity":[0,1]},"delay":950,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5452c1a6-2c62-4556-9bc0-b4af9e4b8067","keyframes":{"opacity":[0,1]},"delay":1250,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ § 1 · BNPL 25% at checkout, then 3 more payments every 2 weeks. Usually 0% if paid on time. Photo: Shixart1985 / Wikimedia Commons (CC BY 2.0)

The Real Costs

[{"selector":"#anim-0fc4af8a-6247-438c-bb4d-318efbb876d9 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-f823863c-42b4-4765-9ec8-aae8fa9fc539","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6e957602-77e3-4c91-be91-e4e69ea8cdd1","keyframes":{"transform":["translate3d(0px, 130.97797%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f3f6a3dd-5481-40b4-9bf5-b04af34a1818","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-248b9582-c1f3-43d6-b0ed-7986b2ee7f72","keyframes":{"transform":["translate3d(0px, 135.71817%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fe1daf06-48f5-4797-8aeb-9ee07389e538","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-25bb5143-ed89-48af-9903-dbfdff1fb9d2","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-edc45431-cf34-42e2-bffc-60c1c7393852","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-8fd793cc-9856-4681-b938-fa36d0dd57ec","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-464da505-bf17-463c-9515-1969e738df7a","keyframes":{"opacity":[0,1]},"delay":450,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-34d63c3b-2d20-4835-be52-fc18ef903665","keyframes":{"opacity":[0,1]},"delay":600,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b6966c79-b97f-4f81-bd0f-08929fc2ead8","keyframes":{"opacity":[0,1]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-290e0e7e-6a50-41fa-9967-a504418f14fd","keyframes":{"transform":["translate3d(-156.66667%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5a212756-2d5e-43bc-b478-1d04e3fd3b95","keyframes":{"opacity":[0,1]},"delay":950,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9a1b4dfa-64c7-4237-b166-4cd7f373910c","keyframes":{"opacity":[0,1]},"delay":1250,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ § 2 · BNPL Late fees, bank overdraft fees and interest on longer plans add up fast. Photo: Shixart1985 / Wikimedia Commons (CC BY 2.0)

Watch Stacking

[{"selector":"#anim-fc862299-a2de-4210-8caa-fb9b96f1d6e3 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-95d75fa5-506b-430c-a679-ee5a963536cd","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9e65255f-c05f-4659-9aa1-f4a300a816ad","keyframes":{"transform":["translate3d(0px, 130.97797%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-342a99d0-bb5e-4ba9-a567-de2f98a93dd7","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a47ada7e-f06e-409a-859a-6aa9458d849f","keyframes":{"transform":["translate3d(0px, 135.71817%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9154b4e6-dde4-4f2b-b60e-91935ef4da95","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-f9f762f9-8cc0-4b06-8208-c380d186438e","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-071a655d-b27c-4c14-854b-d716112fab1b","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-1ca0b72e-6606-4962-882c-e2f5bf4e05a0","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-db7059a3-dade-403c-98df-4a6f01c2904c","keyframes":{"opacity":[0,1]},"delay":450,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bc1c6641-fa08-4a6b-9afd-d768f6864f02","keyframes":{"opacity":[0,1]},"delay":600,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-56896839-3271-4466-944f-cf5bb46d577e","keyframes":{"opacity":[0,1]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-79a348b4-1970-4d0d-af72-06899e6e0d56","keyframes":{"transform":["translate3d(-156.66667%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fe988e98-8ecc-4cac-ab22-c0a85baf5505","keyframes":{"opacity":[0,1]},"delay":950,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-33aa671d-77ee-4782-8d7f-9ab0bb9e3378","keyframes":{"opacity":[0,1]},"delay":1250,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ § 3 · BNPL Several small plans on different apps can turn into one big bill. Photo: Shixart1985 / Wikimedia Commons (CC BY 2.0)

Your Credit

[{"selector":"#anim-0a5cc70d-bdce-4e75-87e8-52ebada07714 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-e72b4a1f-959d-49d2-a34b-d23e31300e8e","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-206bf980-f065-4a5e-b4c2-865c16d8e840","keyframes":{"transform":["translate3d(0px, 130.97797%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-db2ece65-9c1b-43e9-8b1f-0a441afb2348","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-89205d36-bb3d-4d95-a11a-1d5174b1eada","keyframes":{"transform":["translate3d(0px, 135.71817%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b6cacc01-c1ba-4117-87e7-e066dda31c70","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-d467d7b3-8546-43dc-8faf-7ad984433d99","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-1dc0c0b0-c11a-472a-8583-8ac0c4b8c462","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-6a789512-aa0c-40b9-bba9-cc5215034beb","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-f0b66eac-84e5-4b4c-a371-359e9351dd8b","keyframes":{"opacity":[0,1]},"delay":450,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d67f8916-8c1e-488d-bbbd-16c837b49052","keyframes":{"opacity":[0,1]},"delay":600,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-eedb81a1-a9ea-4a5f-9556-466019bc6070","keyframes":{"opacity":[0,1]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6db6aeba-3b44-4107-809f-8cdd19f5f210","keyframes":{"transform":["translate3d(-156.66667%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b01bb56c-5781-4dc0-b6db-a4fb5771ddb4","keyframes":{"opacity":[0,1]},"delay":950,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-df641535-a736-432a-9cb2-c0cd80e7c1cf","keyframes":{"opacity":[0,1]},"delay":1250,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ § 4 · BNPL Missed payments can hurt your score, and more lenders now report BNPL. Photo: Shixart1985 / Wikimedia Commons (CC BY 2.0)

A 4-Question Test

[{"selector":"#anim-c70a98ad-e241-4595-abbd-9e883c9a565e [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-9fa8b38d-0f1f-460d-8d94-b33add5f9482","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8cb1c5b7-22ac-4186-96d3-7793a28da327","keyframes":{"transform":["translate3d(0px, 130.97797%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-63d1cc96-7ab9-4835-a92b-7e9fc0c70f57","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-cb549ec7-8660-46b2-816e-c6756ae4df2a","keyframes":{"transform":["translate3d(0px, 135.71817%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d81ad6f4-f735-4895-8ea8-28a62232b6a4","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-17dd390b-3be4-41b7-8a3b-b915cb883c08","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-4c12778f-47cf-4197-9aa4-7ec8553958a3","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-f1c34a1b-854b-4aea-b5fe-f24100a90017","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-26ad34fe-195c-4210-96b7-fd15cd874111","keyframes":{"opacity":[0,1]},"delay":450,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0bfcd646-c730-4fdb-b6cc-b547dae5dacc","keyframes":{"opacity":[0,1]},"delay":600,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-50968a9d-dba9-41df-a44c-2ffe297d2cb2","keyframes":{"opacity":[0,1]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-35040ddc-f19a-468e-95b1-b6f9741b9807","keyframes":{"transform":["translate3d(-156.66667%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2bae2b93-0a91-43b1-a68d-b76713c881bc","keyframes":{"opacity":[0,1]},"delay":950,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6323c281-2a53-4d18-8ac7-8341f8a9cc6b","keyframes":{"opacity":[0,1]},"delay":1250,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ § 5 · BNPL Could you pay in full today? If not, BNPL is borrowing, not budgeting. Photo: Shixart1985 / Wikimedia Commons (CC BY 2.0)

Thanks for Reading

[{"selector":"#anim-0b44e174-9135-4929-8cb8-b229ae08a625 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-093b1083-b15e-4f9e-b623-afe74561a401","keyframes":{"opacity":[0,1]},"delay":0,"duration":700,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0e8315f5-6b59-4e8c-b85f-b22b99dcbab7","keyframes":{"transform":["translate3d(0px, 134.70284%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":700,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4bb5f97c-0a16-4023-a09d-6c6df33bc269","keyframes":{"transform":["translate3d(-352.94123%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-71112846-9f16-434c-902c-66b21a3d3e0d","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-0c9ce38c-c01d-478b-882a-76902b4150c6","keyframes":{"opacity":[0,1]},"delay":700,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e0b63b4c-dc42-45eb-828f-c6c2708b53a6","keyframes":{"opacity":[0,1]},"delay":800,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b3012069-9860-4458-a3f2-d28a9e22faba","keyframes":{"opacity":[0,1]},"delay":900,"duration":900,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-10496dad-8879-4d75-9bd3-d156b05a6921","keyframes":{"opacity":[0,1]},"delay":1200,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-656896ec-1312-49c3-b6d6-c1bd039d0033","keyframes":{"transform":["translate3d(-393.33329%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1200,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ebe35fec-e836-4464-8d11-0800a1c8ed89","keyframes":{"opacity":[0,1]},"delay":1300,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-cd432dde-24c3-4d85-9b99-4e4c1d0602db","keyframes":{"opacity":[0,1]},"delay":1700,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5aa03cab-9ff4-4ba2-8abf-0b4ec70847e0","keyframes":{"transform":["translate3d(0px, 544.6581%, 0)","translate3d(0px, 0px, 0)"]},"delay":1700,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-17b281c1-2d3e-471c-b48c-8a931f487611","keyframes":{"transform":["scale(1)","scale(1.04)","scale(0.996)","scale(1)"],"offset":[0,0.33,0.66,1]},"delay":2500,"duration":1500,"easing":"ease-in-out","fill":"both","iterations":"infinity"}] [{"selector":"#anim-1581487d-7b9a-47fb-a279-a4b0a947d0e3","keyframes":{"opacity":[0,1]},"delay":1700,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-cdf0cfe2-f8f5-4cd5-b5cc-193af01e6cbe","keyframes":{"transform":["translate3d(0px, 1219.19199%, 0)","translate3d(0px, 0px, 0)"]},"delay":1700,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4af28ab6-1e90-4201-ac9a-242c7d76de77","keyframes":{"opacity":[0,1]},"delay":1900,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ab4e8fe2-4b39-43a6-aea8-41b2313024a9","keyframes":{"opacity":[0,1]},"delay":2000,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ ★ ★ Costs, credit effects, state rules and a 4-question test, in our full guide. READ THE FULL GUIDE → nexgenheadlines.com Shop budget planners on Amazon → Photo: Shixart1985 / Wikimedia Commons (CC BY 2.0)