2021年的10月25日

Buy Now, Pay Later: What You Need to Know


While scrolling through social media, you see a great deal on a 新 gaming console. Christmas is just around the corner and this special will not last long. 不幸的是, you don’t get paid for a few days and you don’t want to hit your account with the purchase all at once.

看来你是幸运的! This retailer offers a 立即购买, pay later (BNPL) option to get what you need and not break the bank.

But what do you need to know about the third party that’s letting you pay over time? Learn more about the 立即购买, pay later programs on the market, how to protect your budget.


如何先买后付?

Over the last few years, companies that offer payments over time like Afterpay, 确认, Klarna越来越受欢迎. A 研究 showed growth of 215% year-over-year for BNPL in the first two months of 2021.

These platforms offer a variety of payment terms and durations, but all have the same intention of helping you spread your payments over time. These companies will run a soft credit check to confirm your information.

一旦获得批准, you can choose to link your debit card, 支票账户, or credit card so the app can collect the payments when they’re due. 一般, you’ll pay a portion of the amount on the day of purchase and an additional number of payments over a few months.

什么是Afterpay?

As one of the most popular 立即购买, pay later platforms, Afterpay focuses on mobile consumers. They offer four equal payments across six weeks to lower the amount you have to pay at once.

独特的特点 Afterpay is the ability to reschedule payments within five days of the original date. Failure to pay at the scheduled time and 25% of the order value maybe be added as a late fee.

Klarna是如何工作的?

Klarna offers many of the same benefits with a different approach. They offer three various forms of financing with fees charged directly to the merchant.

Customers can pay in four equal installments or choose a more extended financing option with flexible terms for larger purchases. Shoppers can also hold their payment until 30 days after receiving the item if it’s likely you’ll return the item.

肯定是什么?

确认 stands out in their approach of 立即购买, pay later as one of the only platforms that offer longer terms on all purchases. The customer can choose between three, six, 12-month term lengths.

However, they charge interest if you split the payments longer than three months. The app does show you a breakdown of the amount of interest you’ll pay by the end of your cycle.

如何使用Sezzle

类似于Afterpay, Sezzle 这是另一个付费加班平台吗. They offer four equal payments across six weeks with no interest.

Sezzle does charge a fee for failed payment and may charge a fee to reschedule a payment. 目标 is one of their largest retail partners as many major retailers turn away from 分期预付 在假期前.


先买后付的好处

With hundreds of retailers offering pay-over-time options, it’s hard to see the downside. Customers who use one of these services spend 18% 更多的购买 比那些立即支付的要多.

These programs can help you get more items at once if you don’t have the money immediately. Customers can take advantage of sales and promotions and can pay on their schedule.

随着时间的推移,薪酬的负面影响

These programs make it much easier to overspend and harder to realize until it’s too late.
It’s easy to think that you’ll only be paying a small part of the price today, but the monthly payments aren’t as minimal if you make several purchases at a time. Ensure you know the terms you agree to before committing your money to a purchase you didn’t need.

Before choosing one of these payment options, make sure that you can afford the additional payments in the coming weeks. 提前计划 in your budget to avoid any late fees.

当为你的利益使用, 立即购买, pay later options can help you get the most value out of what you want without the waiting game. 如果你不确定你的购买, 考虑这些问题 在完成退房前.


This article is for educational purposes only. Tulsa FCU makes no representations as to the accuracy, 完整性, or specific suitability of any information presented. Information provided should not be relied on or interpreted as legal, tax or financial advice. Nor does the information directly relate to our products and/or services terms and conditions.