Your Guide To Buy Now, Pay Later Apps

Find out what you need to know about this popular checkout option.

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Buy Now, Pay Later (BNPL) options have quickly emerged in the retail space. In fact, you’ve probably encountered an offer if you’ve been given the opportunity to pay for a purchase in installments at checkout.

While this can be a great option, it might not make sense for everyone. Here’s what you should consider the next time an offer is presented to you.

How It Works

While the details will vary by provider, most BNPL programs boast about not charging fees or interest, provided you pay as agreed in the terms and conditions. Here’s a list of some of the most popular providers and an overview of their terms.


There are a number of perks that come with most BNPL options. Here are some of the most notable:

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It’s important to note that availability may vary by state. Here are some more noteworthy drawbacks:


As always, it’s important to do your research before agreeing to anything. When it comes to evaluating your options, refer to the legal terms, FAQs, or help center, for information on how the account works, possible costs, and credit implications.


*APR=Annual Percentage Rate

Providers and products are mentioned for educational purposes only. This in no way constitutes an endorsement or approval by A+FCU. Refer to the external organization’s site for the most up-to-date information as their products and terms are subject to change.

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