Buy now, pay later loans will now affect US credit scores – what does that mean for consumers?

Woman using laptop computer and credit card to do shopping. Photograph: John Lamb/Getty Images

A new change to buy now, pay later loans means borrowers’ credit scores may see a change, which has worried some users of the loans.

“I have a feeling that I’m just not going to have as much access to spending power and zero or really low APR rates,” said Nicole Nitta, a 31-year-old Las Vegas resident, who uses BNPL and shared that she already does not have great credit.