Buy Now, Pay Later programs like Klarna, Afterpay, and Affirm promise interest-free payments and instant approval—but behind the scenes, they’re fueling a dangerous new debt trap. In this video, we break down how BNPL really works, why it's exploding in popularity, and how it's psychologically designed to make you spend more than you can afford. From hidden fees to data selling, here’s what they’re not telling you.