“4 easy payments of $25” feels harmless. Buy Now, Pay Later is debt in a friendlier costume — engineered to make you spend more.
At checkout, a tempting option appears: split this into “4 easy payments,” often with no interest. Buy Now, Pay Later (BNPL) feels different from a credit card — friendlier, harmless. It's still debt, and it's designed to loosen your wallet.
— Educational, not financial advice.