The support for pay-over-time is a nice touch. Praise be Him.
Sure. People can tell Jesus/God whatever they want to.
If their attempts to charge your credit card fail then the pay later company can use the usual tactics to get you to pay loans, since they require some of your personal information when setting up the payment: sending threatening messages, adding a bad mark to your credit report, etc.
Also, looking at the way their payment and submission system works, it is quite literally "buy now, pray later"