[Jonty30]

I’ve used these. When I have used them, you get a year to pay before they start charging interest. Then it’s about the same interest as a credit card.

[wally_bert]

I’ve used PayPal’s pay in four system some and usually paid off early.

[Obadiah]

I think the inherent risk is that “Buy Now, Pay Later” essentially increases your credit limit freeing people up to charge even more on their credit cards. I don’t think this will end well.