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October 5, 2026

Americans are using buy now, pay later more than ever. Here's what to know if you're one of them

  • In the past, buy now, pay later loans didn't impact your credit score, but that has changed.
    • By ADRIANA MORGA
    Associated Press

    AP Photo/Aijaz Rahi, File [enlarge]
    The use of buy now, pay later plans has surged nearly 80% since 2023.

    NEW YORK — Americans spent more than $160 billion last year using buy now, pay later plans, according to research published by Federal Reserve economists.


     
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