Guide

Buy now, pay later lets you split purchases into instalments. It can feel like free credit, but missed payments may trigger fees, debt collection, or credit reporting depending on the provider. Treat it like any other bill with due dates.

Consumer Protection and the Commerce Commission publish guidance on BNPL and consumer credit rules. Before you use a service, check total cost, late fees, and how to pause payments if income drops.

If BNPL stacks up across several apps, a simple budget and one call to MoneyTalks can stop small slips becoming a bigger problem. Educational only — not financial advice.