Buy now, pay later (BNPL)
Cards & borrowingA short-term credit option that lets you split payments over time.
Overview
BNPL is often offered at checkout for online purchases.
Some providers report BNPL activity to credit agencies.
Why it matters
- Missed payments can affect your credit profile.
- It can add to your overall credit commitments.
- It may affect affordability checks.
FAQs
Does BNPL affect my credit score?
It depends on the provider and whether they report the account.
Is BNPL a form of credit?
Yes. It is a short-term credit agreement.
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