A lot of websites now offer interest free buy now pay later options (including ourselves). We offer 3 of the most popular, Klarna, ClearPay and LayBuy. These are extremely popular for online purchases. Each provider works slightly differently regarding how much you can spend and what your payments are. As responsible retailers we would just like to make sure that you don't get into any financial difficulty when you choose that payment option.
So before using these payment options we would urge you to ask yourself these questions.
1. Do I really need it?
2. Would I have bought it if a buy now pay later option wasn't available?
3. Am I sure I can meet the repayments?
4. Is buy now pay later the best form of borrowing for me?
If the answer to any of the above is 'NO', we would recommend that you think again about your purchase.
Should you need advice about debt, we would advise contacting Citizens Advice for free advice