What happens if you agree to a BNPL but you BNDP (buy now, dont pay): https://www.consumerfinance.gov/ask-cfpb/what-happens-if-i-c...

Hidden costs of BNPLs: https://slate.com/technology/2022/11/buy-now-pay-later-hidde...

"I’m sure you’ve read a ton of stories that Gen Z is using “buy now, pay later,” all the time. The most recent Consumer Financial Protection Bureau pointed out that actually the biggest age cohort for “buy now, pay later” users are people ages 34–40. They’re millennials."

People with low/no credit are usually denied.

NYTimes article about downsides of BNPLs: https://www.nytimes.com/2022/12/29/your-money/buy-now-pay-la...