Use this guide before choosing a buy now, pay later option at checkout, or if you already have several plans and want to take control. Have your banking app and any BNPL apps you use open.
Step by step
Ask four questions before you click
Would I buy this today if I had to pay in full? Can I afford every instalment on the dates due, not just the first one? Do I already have other plans running? What happens if I pay late? If any answer makes you hesitate, pay by debit card or wait. Buy now, pay later is borrowing, and since 15 July 2026 most of it is regulated by the Financial Conduct Authority, which means providers must check affordability and treat you fairly.
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