What Makes Buy Now, Pay Later so Risky?

Consumer advocates urge caution when presented with “easy credit”

Andy Spears
3 min readApr 5, 2022

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Photo by Harry Cunningham on Unsplash

As Buy Now, Pay Later (BNPL) products such as AfterPay, Klarna, PayPal (pay in 4), Affirm, and others saturate the market with easy credit, consumer advocates continue to warn about the dangers of these products.

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Andy Spears

Writer and policy advocate living in Nashville, TN —Public Policy Ph.D. — writes on education policy, consumer affairs, and more . . .