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The Guardian - UK

Business

Rupert Jones

Buy now, pay later: how to use it without getting into risky debt

BNPL James Daley Clearpay Klarna MoneyHelper Money Wellness PayPal

Illustration showing a person with three — A common problem is people juggling multiple ‘buy now pay later’ accounts. Illustration: Jamie Wignall/The Guardian

Understand what it is

Buy now, pay later (BNPL) is a form of credit that lets you spread payments for everything from clothes, jewellery and white goods to concert tickets, hotel rooms and takeaway meals.

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