We’d love to hear from you about your experiences using “Buy Now, Pay Later”  products and services! The survey below helps us to better understand consumer awareness, usage, and the effect of “Buy Now Pay Later” products on financial security; it’s easy-to-navigate and takes only a few minutes to complete. 

What is the Buy Now, Pay Later Program?

“Buy Now Pay Later” is an installment payment program that can be applied to online purchases. The most popular “Buy Now Pay Later” programs allow you to pay for a purchased good or service with multiple interest-free payments, typically paid back over a six week period. You’ve likely seen or engaged in such a service yourself when shopping online or on smartphone applications, with examples including Affirm, Klarna, Paypal, and more. However, many shoppers aren’t fully aware of their rights when it comes to using these programs.