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Kiplinger

Business

Kerri Anne Renzulli

Don't Make These 'Buy Now, Pay Later' Mistakes

BNPL Ted Rossman Bankrate FICO Motley Fool Affirm Afterpay Klarna

Picture of notepad saying "I want it later or now" with check mark next to now.

When Stephanie Rogers needs to make a big purchase for Christmas or an upcoming trip, she turns to a convenient tool handily located at the checkout of nearly all online retailers these days: buy now, pay later plans.

Offered by companies such as Affirm, Afterpay, Klarna and PayPal, these financing services split the cost of purchases into equal installments over a few weeks, usually with no interest charges.

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