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Buy now pay later

What is buy now pay later?

"Buy now, pay later" (BNPL) is a type of point-of-sale installment loan that allows consumers to purchase goods or services immediately and pay for them over a period of time. These services can provide interest-free loans if the balance is paid in full by a certain date.

BNPL can be an attractive option for consumers because it provides immediate access to products or services without requiring full payment up front. For businesses, offering BNPL can drive sales by increasing purchasing power and making higher-priced items more accessible. However, it's important for both businesses and consumers to understand the terms, as late payment or failure to pay can result in fees and impact credit scores.

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