Buy Now, Pay Later Decoded: How to Use BNPL Services Without Falling into Debt

Introduction “Buy Now, Pay Later” (BNPL) services like Affirm, Klarna, and Afterpay have exploded in popularity—offering interest‑free, short‑term credit at checkout. In 2024 alone, the global BNPL market is projected to reach $80.77 billion in total...