When One Debt Trap Lender Recommends Another

This Black Friday, a cartoon bear wants you to buy now and pay later

Andy Spears
2 min readNov 22, 2023

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Email solicitation from Dave App

I’ve written a lot about the pain of buy now, pay later loans.

In short, while Buy Now, Pay Later CAN provide relatively easy access to small-dollar credit at rates that are comparatively better than payday loans, the profile of BNPL borrowers seems…

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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 . . .