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EXPLAINED: Bnpl | Vintage Vibes

Why “4 Easy Payments” Can Make Expensive Things Feel Weirdly Affordable

A $400 purchase sounds expensive when you picture $400 leaving your bank account today. But show the same item as “four easy payments of $100,” and suddenly it can feel much more manageable, even though the total price has not changed.

Budget and the Bees · Oct 26

10 million Americans are using advance loan apps to get their paychecks in advance—and it’s costing them hundreds of dollars more, report finds

More than 95% of payday loans through direct-to-consumer apps included fees or voluntary “tips,” and these extra charges are piling up.

Fortune · Oct 18

Rent-to-Own, BNPL or Credit Card: Which Is the Worst Way to Buy a $1,000 TV?

A $1,000 TV can cost $1,000, or it can quietly become a much more expensive piece of furniture with a screen attached. The payment method can matter almost as much as the television itself.

The Free Financial Advisor · Oct 6

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You Have 6 “Pay in 4” Plans Going at Once — How Much Debt Is That Really?

A $25 payment every two weeks may not feel like debt, especially when there is no interest attached. But when you have six “Pay in 4” purchases running simultaneously, those small installments can turn into a surprisingly large claim on your next few paychecks. Pay in 4 debt has become…

Everybody Loves Your Money · Oct 5

You’re Still Paying for Last Month’s Groceries — Is Buy Now, Pay Later Helping or Hurting?

Buy Now, Pay Later can make a $160 grocery bill look much friendlier at checkout. Instead of handing over the entire amount, a shopper might split the purchase into several smaller payments. The trouble starts later, when the groceries have disappeared but the payments keep arriving.

The Free Financial Advisor · Oct 5

Your BNPL Payment Overdraws Your Bank Account — Was the “Interest-Free” Purchase Still Free?

Your BNPL purchase can carry a zero-interest price tag and still cost more than expected. The problem may not come from the purchase itself. It can arrive later, when an automatic installment hits a checking account that has less money available than the payment requires.

Clever Dude · Oct 2

Grab's Stock Hit a Three-Year Low After Its $4.5 Billion Deal. Then Insiders Bought $30 Million.

Grab's bet on Atome Financial rattled investors, but its top executives responded by buying more than $30 million of GRAB stock.

Barchart · Sep 30

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Grab Stock Is Worth the Risk as Valuations Fall to Historical Lows

Grab stock's valuation has fallen to an all-time low. While the company faces several challenges, it looks worth the risk at these levels.

Barchart · Sep 22

7 Things to Check Before Signing Up for Another Buy Now, Pay Later Plan

Splitting a purchase into four smaller payments can make a $200 expense feel surprisingly manageable, especially when only $50 is due today. But a buy now, pay later plan is still a form of borrowing, even when the offer advertises 0% interest. The danger often appears when several small payment…

Budget and the Bees · Sep 12

Could You Have More Debt Than Your Credit Report Shows? The Fed Says BNPL Creates a Blind Spot

Pull your credit reports, and you might reasonably assume you’re looking at a fairly complete picture of the money you owe. Buy now, pay later...

Saving Advice · Sep 8

The Fed Just Highlighted a Strange Problem With Pay-in-4 Loans: Good Payments May Not Help Your Credit Either

Buy Now, Pay Later can make a purchase feel much less painful by breaking it into four smaller payments. But there is a strange catch hiding behind those tidy installments: making every payment on time may do absolutely nothing for a traditional credit score. The Federal Reserve recently highlighted that…

Everybody Loves Your Money · Sep 4

Your Daughter Wants the Designer Bag You Never Had at Her Age: What Do You Say?

Maybe your daughter has been showing you the same designer bag for weeks, sending links and explaining that “everyone” seems to have one. At $1,500, however, the request is different from asking for a new pair of sneakers or a birthday dinner, even if your household can technically afford it.…

Budget and the Bees · Aug 28

Dear Affirm Stock Fans, Mark Your Calendars for August 27

Affirm Holdings is nearing its fourth-quarter results, with merchant momentum and consumer demand offering investors plenty to watch.

Barchart · Aug 25

Is Australia’s buy now, pay later boom at an end?

Several firms promised to disrupt the consumer credit market by offering consumers their purchases instantly and the bill later. Did it work?

The Guardian - AU · Aug 13

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Pedestrian.tv · Aug 5

Sydney’s Qudos Bank Arena Is Now Afterpay Arena: Here’s What It Means For Your Upcoming Event

Afterpay Arena is officially open but how will this affect Sydney's music scene and your next night out at a show?

Kiplinger · Aug 5

Are Digital Payments Making You Spend Too Much, Too Fast? These Simple 'Speed Bumps' Will Help You Slow Your Roll

Convenient contactless payments make it all too easy to lose track of your budget. Applying some simple guardrails will help you slow your spending.

Everybody Loves Your Money · Jul 23

Buy Now, Pay Later Under the Microscope: 6 Fine-Print Rules Consumers Often Miss

Buy now, pay later plans can turn a purchase into four smaller payments that feel much easier to swallow. That convenience explains the appeal, but the real financial story often lives in the fine print, where payment dates, refunds, account rules, and credit reporting can turn a seemingly simple checkout…

The Independent UK · Jul 15

The Buy Now Pay Later rule changes you need to know - and the risks with using it

One in five people are estimated to use BNPL - but it’s important to treat even small amounts of borrowing like a loan

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The National (Scotland) · Jul 15

Major buy now pay later changes start today – what every shopper needs to know

New buy now pay later rules mean affordability checks, clearer information and stronger rights for Klarna, Clearpay and other BNPL customers

The Guardian - UK · Jul 15

How changes to ‘buy now, pay later’ rights affect you

Treasury says shoppers will get a ‘fairer deal’ as new rules for BNPL credit are introduced on Wednesday

Evening Standard · Jul 15

Stronger protections for buy now pay later customers come into force

Providers will come under the regulation of the Financial Conduct Authority and customers will have stronger support if something goes wrong.

Evening Standard · Jul 15

Key changes happening for buy now pay later customers and where to get support

Here is a look at how buy now, pay later works and what changes customers can expect to see.

The Independent UK · Jul 14

Buy Now, Pay Later rules are changing. Here’s what you need to know

Almost 11 million shoppers used BNPL services in the 12 months to May 2024

MarketBeat · Jul 3

Klarna’s Google Court Win Could Give Its BNPL Story a Needed Cash Catalyst

A Swedish court ordered Alphabet to pay $1.97 billion to Klarna's PriceRunner unit, representing roughly 25% of Klarna's market cap and its largest non-dilutive capital event.

The Free Financial Advisor · Jul 1

Buy Now, Pay Later Gets Regulated: New Rules Require Licensing, Disclosures and Fee Limits

Buy Now, Pay Later has become one of the fastest checkout buttons on the internet, but big changes have arrived. New York has stepped in with new rules that reshape how these services operate, bringing licensing requirements, stronger disclosures, and limits on fees. The goal focuses on adding structure to…

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