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The Guardian - US
The Guardian - US
World
Lauren Aratani in New York

‘How did I get approved for $30,000?’: is buy now, pay later headed for a fall?

BNPL CFPB Affirm Klarna United States Lauren Saunders
People shopping for shoes
Buy-now, pay-later companies have, partnered with various companies so that nearly every purchase can be made using installments. Photograph: Julia Nikhinson/AP

When Nicole Hartman purchased her home in Berwick, Pennsylvania, in 2019, the place needed remodeling.

The 44-year-old home help aide needed to replace the hot water heater, get two new appliances and fix a water issue, along with making the home more medically accessible for her children.

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