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Buy Now, Pay Later: the real cost of easy spending

New trainers. One click. No upfront payment.

Klarna, Clearpay and Laybuy make spending feel effortless — almost invisible, especially when you’re shopping online.

Is Buy Now, Pay Later really risk-free?

Buy Now, Pay Later is still borrowing. Missed payments, stacked instalments, and future bills can quickly add up — often before you realise what you’ve committed to.

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