The Good, Bad, and Ugly of Buy Now, Pay Later

April 6, 2022

Lending programs, otherwise known as Buy Now Pay Later (BNPL) have infiltrated almost every capitalistic exchange that exists in society in 2022. This method of payment can be extremely convenient for people looking to buy an item when money is momentarily tight—splitting the payment into more manageable payment portions. It can also exacerbate the problem of those who already have sometimes unrealistic spending habits. 

Since July 2021, the percentage of Americans that say that they’re now using one of these services is up to 56%—increasing by 85% between 2020 and 2021—showing that this method of payment has not only been growing in relevance but in popularity as well. 

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