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The Latest Breaking News from BNPL

‘Buy Now, Pay Later’ Programs Will Soon Be Able To Tank Your Credit Score

Depending on how you use buy now, pay later (BNPL), improper usage could really hurt your credit score, even tank it. Here's what you need to know.

GOBankingRates

9 Money Moves That Feel Smart But Ruin Your Future

When it comes to personal finance, some choices look responsible at first glance but are actually damaging over time. We all want to feel like...

Saving Advice

Voices: Young people! Here’s what you need to know about ‘buy now, pay later’ loans

COMMENT: They’ve exploded in popularity particularly with 25 to 34-year-olds. But do they really know what they’re getting into – and is new regulatory oversight helping them make the right decisions, asks James Moore

The Independent UK

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New ‘buy now, pay later’ affordability checks may cover even smallest loans

City watchdog publishes details of its plans to regulate the BNPL market, which has now grown to £13bn

The Guardian - UK

Use buy now pay later? Expert tips to avoid getting into debt

New proposals by the Financial Conduct Authority will give buy now pay later shoppers more protection

The Independent UK

Buy now, pay later lenders will soon have to check shoppers can repay loans

Lenders are urged to enforce stronger checks on buy now, pay later affordability

The Independent UK

Buy now, pay later consumer protections proposed by Financial Conduct Authority

Borrowers will have more transparency over their loans and be able to complain to the ombudsman if something goes wrong, under the proposals.

Evening Standard

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Ways to avoid buy now, pay later problems highlighted by charity

StepChange Debt Charity has suggested some ways that borrowers can manage BNPL products ahead of changes next year.

Evening Standard

6 Debt Traps That Seem Harmless—Until They Jeopardize Your Entire Identity

Many financial moves seem harmless. You may open a store credit card or use a buy now, pay later account. In the short term, these moves don’t have any consequences. But layer you could be regretting your choices. Here are 6 debt traps that seem harmless, until they jeopardize your…

Beating Broke

The Dark Truth Behind Those “Buy Now Pay Later” Options

Buy now, pay later (BNPL) options are everywhere. You see them at checkout on your favorite shopping sites. They promise you can get what you want now and pay for it later, often with “no interest” or “easy payments.” It sounds simple. But there’s a lot you don’t see. These…

The Free Financial Advisor

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

The change has some users of BNPL loans worried, but financial experts say the move could benefit borrowers

The Guardian - US

5 Industries Profiting Off Middle-Class Desperation

Feeling squeezed by rising costs, stagnant wages, and economic uncertainty? You’re not alone. Across the country, the middle class is facing mounting financial pressure, and it’s not just inflation or housing prices making life harder. Entire industries have built their business models around the struggles of everyday families, turning middle-class…

Grocery Coupon Guide

Your credit score might soon be impacted by Buy Now, Pay Later loans

FICO believes the new model will responsibly expand access to credit, particularly for younger consumers or those with limited credit histories

The Independent UK

Buy Now, Pay Later loans will soon affect some credit scores

Hundreds of millions of ‘Buy Now, Pay Later’ loans will soon affect credit scores for millions of Americans

The Independent UK

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The Conversation

To make buy-now-pay-later fair for consumers, regulators need to understand why shoppers use it

Many consumers – especially gen Z and millennials – use buy-now-pay-later (BNPL) to split or defer payments. The types of purchases made with BNPL can range from groceries and takeaway deliveries to luxury items.

Everybody Loves Your Money

9 Signs Your “Buy Now, Pay Later” Habit is a Financial Red Flag

We’ve all seen the tempting “Buy Now, Pay Later” (BNPL) buttons at checkout. They promise instant gratification with no upfront cost, making it easier than ever to snag that new gadget or wardrobe upgrade. But while BNPL can seem like a harmless way to manage your cash flow, it can…

The Guardian - US

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

Advocates worry debt burden is worse with installment payments as credit card debt balloons to over $1tn in US

Pedestrian.tv

Huge Changes Are Coming To Buy Now, Pay Later Services: What You Need To Know

Under new rules, Buy Now, Pay Later services will be subject to the same regulations as credit cards in Australia.

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news in one place.

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The Free Financial Advisor

How The New Affirm Policy Change May Affect Your Credit

If you’ve ever shopped online and seen the option to “buy now, pay later” with Affirm, you’re not alone. These flexible payment plans have exploded in popularity, making it easier than ever to split up big purchases. But recently, Affirm announced a major policy change that could have a real…

Saving Advice

Buy Now, Cry Later: How the “Easy Payments” Culture Is Financially Destroying You

You’ve seen the promise: “Only $39.99/month!” “Buy now, pay later in 4 easy installments!” “No interest if paid in 6 months!” It sounds harmless. It...

The Independent UK

Why are more shoppers struggling to repay 'buy now, pay later' loans?

Short-term lender Klarna says more customers are having trouble repaying their “buy now, pay later” loans

The Independent UK

Major changes to buy now pay later rules for shoppers

Citizens Advice welcomed the legislation, saying it was ‘crucial step towards better protections for consumers’

Evening Standard

Consumers to get more protection from ‘wild west’ of buy now, pay later products

Citizens Advice welcomed the legislation, saying it was ‘a crucial step towards better protections for consumers’.

MarketBeat

2 High Growth Buy Now, Pay Later Stocks Challenging PayPal

While PayPal is a slower-growing player in the rapidly expanding Buy Now Pay Later space, two other stocks are challenging it, growing at exorbitant clips.

The Independent UK

More than half of Americans are using layaway or buy-now-pay-later programs to cover everyday essentials

More than 30 percent of Americans have used short-term financing schemes for groceries, report finds

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