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cover of episode Buy now, pay later loans are becoming more popular. Here's what to know

Buy now, pay later loans are becoming more popular. Here's what to know

2025/2/20
logo of podcast Life Kit: Money

Life Kit: Money
AI Deep Dive AI Chapters Transcript
People
A
Andy Tegel
A
Austin
了解奥斯汀婚礼的平均费用、选择全包式场地和节省预算的创意方法。
E
Ed DeHaan
J
Jennifer Streaks
M
Marielle
Topics
Marielle: 我在节目中讨论了先买后付贷款的优缺点以及负责任地使用它们的方法。先买后付贷款是一种替代信用卡的支付方式，允许将大额支付分成更小的分期付款，通常不收取利息。 Andy Tegel: 人们使用先买后付贷款的原因有很多，包括方便性、无息贷款以及一次性付款的特点。它为信用记录不好或没有银行账户的人提供了获得信贷的机会。但先买后付贷款也存在风险，例如容易过度消费，导致债务问题。 Ed DeHaan: 先买后付贷款是一把双刃剑，它为更多人提供了信贷机会，但也增加了那些缺乏经验的人陷入债务问题的风险。因为他们缺乏经验，容易超支，难以偿还债务，从而陷入债务循环。 Jennifer Streaks: 人们容易将先买后付贷款视为虚拟货币，而非真实的债务，因为其准入门槛低，且与信用卡运作方式不同。这使得他们对债务的重视程度降低，容易过度消费。 Austin: 建议只使用一个先买后付贷款提供商，以便更好地管理交易。如果只使用一个提供商，那么你的交易记录会集中在一个平台上，更容易管理。

Deep Dive

Chapters
Buy Now, Pay Later (BNPL) loans offer a convenient alternative to credit cards, allowing consumers to break up large payments into smaller installments. While interest-free and easy to use, they pose risks, especially for those with limited credit history or those prone to overspending. The ease of access makes BNPL attractive to young adults and those with poor credit scores.
  • BNPL loans are offered by fintech companies like Klarna, Afterpay, and Affirm.
  • One in five shoppers has used BNPL.
  • BNPL is popular among 18-24 year olds (28% of unsecured debt).
  • BNPL users include those with little to no credit history and those using it as a last resort.
  • BNPL can lead to debt spirals due to overspending and missed payments.

Shownotes Transcript

Klarna, Afterpay, Affirm — maybe you've noticed these platforms when shopping online. They allow you to break up large payments into smaller installments that you can pay over time, and are a popular alternative to credit cards. In this episode, we'll cover the pros and cons of these loans and how to use them responsibly.Learn more about sponsor message choices: podcastchoices.com/adchoices)NPR Privacy Policy)