“.. Pay-later loans are becoming the “working capital for the modern middle class ..”
#GoldenAge 🥇
@nytimes.com #BNPL
www.nytimes.com/2026/08/17/b...
#GoldenAge 🥇
@nytimes.com #BNPL
www.nytimes.com/2026/08/17/b...
August 18, 2026 at 10:14 AM
“.. Pay-later loans are becoming the “working capital for the modern middle class ..”
#GoldenAge 🥇
@nytimes.com #BNPL
www.nytimes.com/2026/08/17/b...
#GoldenAge 🥇
@nytimes.com #BNPL
www.nytimes.com/2026/08/17/b...
my take is that the reason this is happening is because FICO started including BNPL debt in the calculation "this fall" www.fico.com/en/newsroom/...
September 18, 2025 at 5:30 PM
my take is that the reason this is happening is because FICO started including BNPL debt in the calculation "this fall" www.fico.com/en/newsroom/...
BNPL services have become an enduring part of the US economy. That might not be a good sign. www.wired.com/story/bnpl-b...
‘Buy Now, Pay Later’ Booms as Economic Pressures Mount
BNPL services have become an enduring part of the US economy. That might not be a good sign.
www.wired.com
June 4, 2025 at 9:07 AM
BNPL services have become an enduring part of the US economy. That might not be a good sign. www.wired.com/story/bnpl-b...
More Americans are reporting using "Buy Now, Pay Later" plans to purchase groceries, according to a survey from Lending Tree.
25% of respondents said they used BNPL loans for groceries.
That number was 14% in 2024.
25% of respondents said they used BNPL loans for groceries.
That number was 14% in 2024.
April 29, 2025 at 4:43 PM
More Americans are reporting using "Buy Now, Pay Later" plans to purchase groceries, according to a survey from Lending Tree.
25% of respondents said they used BNPL loans for groceries.
That number was 14% in 2024.
25% of respondents said they used BNPL loans for groceries.
That number was 14% in 2024.
this is definitely true - up until now BNPL has been small enough that you didn't have to pay close attention to get a feel for consumer credit conditions/debt. But BNPL is growing fast enough that's becoming harder to justify.
*PAYPAL SEES BUY-NOW, PAY-LATER TAKING SHARE FROM CREDIT CARDS
*PAYPAL SEES BUY-NOW, PAY-LATER TAKING SHARE FROM CREDIT CARDS
October 28, 2025 at 12:58 PM
this is definitely true - up until now BNPL has been small enough that you didn't have to pay close attention to get a feel for consumer credit conditions/debt. But BNPL is growing fast enough that's becoming harder to justify.
*PAYPAL SEES BUY-NOW, PAY-LATER TAKING SHARE FROM CREDIT CARDS
*PAYPAL SEES BUY-NOW, PAY-LATER TAKING SHARE FROM CREDIT CARDS
my credit score will go down somehow (I’ve never had a BNPL loan)
FICO credit scores will begin incorporating buy-now-pay-later data for the first time starting this fall.
June 26, 2025 at 5:00 AM
my credit score will go down somehow (I’ve never had a BNPL loan)
still find it inordinately funny every time I put a sausage roll on a BNPL account
May 4, 2026 at 12:44 PM
still find it inordinately funny every time I put a sausage roll on a BNPL account
CNBC: "Using Subprime Credit Payday Loans to pay your bills? Have you considered not being in that position?"
Using BNPL for bills? Here’s what to try first, plus other ways to cover expenses
When it comes to your bills, consider a payment plan before resorting to BNPL. For other expenses, a balance transfer card or personal loan can help.
www.cnbc.com
September 27, 2026 at 5:43 PM
CNBC: "Using Subprime Credit Payday Loans to pay your bills? Have you considered not being in that position?"
US Holiday Shoppers Are Flocking to Klarna, Other BNPL Services. @business
December 22, 2025 at 1:38 PM
US Holiday Shoppers Are Flocking to Klarna, Other BNPL Services. @business
BNPL (bussy now, pussy later)
December 21, 2025 at 9:45 PM
BNPL (bussy now, pussy later)
It's 2025. They would use Klarna to BNPL the Libs.
April 7, 2025 at 2:37 PM
It's 2025. They would use Klarna to BNPL the Libs.
It’s, at best, backwards: 1/4 of bnpl users have used it for groceries.
June 3, 2025 at 12:23 PM
It’s, at best, backwards: 1/4 of bnpl users have used it for groceries.
and it's not even a real credit card in that you can only BNPL 2x things a billing cycle before they throw their pile of fees on! what the hell
July 20, 2026 at 3:58 PM
and it's not even a real credit card in that you can only BNPL 2x things a billing cycle before they throw their pile of fees on! what the hell
Boots Theory is an argument not for thrift but for BNPL. Sam Vines can afford better boots but not in a lump sum. Financialization could fix this. TP was leading us to understand the real villain was immature capital markets.
August 6, 2026 at 4:12 AM
Boots Theory is an argument not for thrift but for BNPL. Sam Vines can afford better boots but not in a lump sum. Financialization could fix this. TP was leading us to understand the real villain was immature capital markets.
The BNPL bro talking about predatory behaviour is a very good bit
Klarna's CEO Sebastian Siemiatkowski has called for President Donald Trump to go further in shaking up the credit card industry, calling it an “extraction machine” that rips off poorer borrowers.
Klarna’s CEO Urges Trump to Go Further on Credit-Card Rate Cap
Klarna Group Plc Chief Executive Officer Sebastian Siemiatkowski has called for President Donald Trump to go further in shaking up the credit card industry, calling it an “extraction machine” that rips off poorer borrowers.
bloom.bg
January 13, 2026 at 8:01 PM
The BNPL bro talking about predatory behaviour is a very good bit
Lemme get this right: PayPal is doing #BNPL and PAYING customers to do it?
What could go wrong?
What could go wrong?
November 9, 2025 at 12:56 PM
Lemme get this right: PayPal is doing #BNPL and PAYING customers to do it?
What could go wrong?
What could go wrong?
There's $5trn of consumer credit outstanding, BNPL is not a significant number relative to that total (yet).
Also buy-now/pay-later debt.
September 8, 2025 at 8:57 PM
There's $5trn of consumer credit outstanding, BNPL is not a significant number relative to that total (yet).
New York City urges NYDFS to expand proposed BNPL rules to cover medical and rent financing products
New York City urges NYDFS to expand proposed BNPL rules to cover medical and rent financing products
On September 21, the New York City Department of Consumer and Worker Protection (DCWP) submitted a comment letter on NYDFS’s proposed BNPL...
www.jdsupra.com
September 28, 2026 at 2:45 PM
New York City urges NYDFS to expand proposed BNPL rules to cover medical and rent financing products
people say AI can't be funny, but me going "how do I stop my BNPL company from losing money" and it replying with "firstly, stop lending money to people that can't pay you back" is an incredible bit
May 20, 2025 at 3:03 AM
people say AI can't be funny, but me going "how do I stop my BNPL company from losing money" and it replying with "firstly, stop lending money to people that can't pay you back" is an incredible bit
The payment option is booming among online holiday shoppers this year. But like any form of credit, it comes with drawbacks. Here's how to use BNPL responsibly — and protect yourself from risk.
Should you use buy now, pay later? Experts share 4 tips to know
The payment option is booming among online holiday shoppers this year. But like any form of credit, it comes with drawbacks. Here's how to use BNPL responsibly — and protect yourself from risk.
n.pr
December 20, 2025 at 10:25 PM
The payment option is booming among online holiday shoppers this year. But like any form of credit, it comes with drawbacks. Here's how to use BNPL responsibly — and protect yourself from risk.
it's simple: put buy everything with BNPL; pay off BNPL with credit card; pay off credit card with cash flow from investment income earned by refi-ing the mortgage, pay off the mortgage with the cash flow savings from buying everything on BNPL
June 3, 2025 at 1:00 PM
it's simple: put buy everything with BNPL; pay off BNPL with credit card; pay off credit card with cash flow from investment income earned by refi-ing the mortgage, pay off the mortgage with the cash flow savings from buying everything on BNPL
The payment option is booming among online holiday shoppers this year. But like any form of credit, it comes with drawbacks. Here's how to use BNPL responsibly — and protect yourself from risk. n.pr/3KFm43r
Should you use buy now, pay later? Experts share 4 tips to know
The payment option is booming among online holiday shoppers this year. But like any form of credit, it comes with drawbacks. Here's how to use BNPL responsibly — and protect yourself from risk.
n.pr
December 14, 2025 at 9:29 AM
The payment option is booming among online holiday shoppers this year. But like any form of credit, it comes with drawbacks. Here's how to use BNPL responsibly — and protect yourself from risk. n.pr/3KFm43r
5) In this brief piece we describe important new advances in measuring global poverty. "The BNPL data indicates that the story of global poverty over the past few decades is more complex, and more troubling, than existing narratives allow..." blogs.lse.ac.uk/inequalities...
January 2, 2025 at 9:24 AM
5) In this brief piece we describe important new advances in measuring global poverty. "The BNPL data indicates that the story of global poverty over the past few decades is more complex, and more troubling, than existing narratives allow..." blogs.lse.ac.uk/inequalities...
A Morgan Stanley survey indicates that 28% of Americans now have a BNPL loan, and 30% of them use it even for groceries. on.ft.com/4kuxiEF
How widespread — and worrisome — is the BNPL phenomenon?
[FREE TO READ] Kicking the tyres of buy-now-pay-later
on.ft.com
June 6, 2025 at 8:08 AM
A Morgan Stanley survey indicates that 28% of Americans now have a BNPL loan, and 30% of them use it even for groceries. on.ft.com/4kuxiEF