{"id":276436,"date":"2020-01-09T19:56:23","date_gmt":"2020-01-09T19:56:23","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=276436"},"modified":"2026-02-12T07:49:04","modified_gmt":"2026-02-12T07:49:04","slug":"laybuy-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/laybuy-review","title":{"rendered":"Laybuy review: Buy it now and pay it off later"},"content":{"rendered":"<div class=\"importantText importantText__callout\">\n  <p>Laybuy collapsed into administration on 26 June. Its customers cannot make any new purchases using Laybuy, however, they must continue to make any repayments to Laybuy as normal. If you are looking for a buy now, pay later provider, you can compare alternatives to Laybuy <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\">here<\/a>.<\/p>\n<\/div>\n<h3>What is Laybuy?<\/h3><p>New Zealand-based Laybuy is a payment platform designed to make it easier for shoppers to manage online and in-store purchases. It also doesn\u2019t charge any interest and allows you to pay for your purchases over 6 weekly instalments.<\/p><h3 id=\"works\">How does Laybuy work?<\/h3><p>You have the option of signing up to Laybuy either from Laybuy\u2019s website or when you shop at one of its <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/laybuy-shops\">retail partners<\/a> and select Laybuy as the payment option.<\/p><p>Before your account is verified and approved, Laybuy will have to carry out a credit check.<\/p><p>Once your account has been created, you\u2019ll be given a limit based on your credit score. Then you\u2019ll be able to use Laybuy to make purchases through any of its approved retailers up to the limit.<\/p><p>Your first payment will be taken when you place your order and is 1\/6 of the purchase price. You\u2019ll be expected to pay the balance over 5 equal weekly payments.<\/p><h3 id=\"features\">Features of shopping with Laybuy<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@m\"><ul class=\"list-1\"><li><b>No annual fees.<\/b> There are no upfront fees to pay on your Laybuy account.<\/li><li><b>Interest-free.<\/b> Laybuy only offers 1 payment plan, but you won\u2019t have to pay any interest and will be able to spread the cost over 6 weeks with equal payments.<\/li><li><b>Easy-to-use app.<\/b> You\u2019ll be able to view and manage your payments using the handy app.<\/li><li><b>Automatic payments.<\/b> Laybuy will automatically take all your further payments from your bank account at weekly intervals.<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@m\"><ul class=\"list-1\"><li><b>Orders shipped straight away.<\/b> Laybuy pays the retailer upfront so that your order is shipped as soon as you pay the first instalment.<\/li><li><b>Repay early.<\/b> You\u2019ll be able to overpay in advance of the 6 weeks if you so choose, and it won\u2019t cost you a penny more.<\/li><li><b>Pick a day.<\/b> You can select which day your weekly payment will be made.<\/li><li><b>Boost option.<\/b> You can spend over your limit by using Boost, and the difference will be charged as part of your first payment.<\/li><\/ul><\/div><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><ul class=\"list-3\"><li>Warning: Late repayments can cause you serious money problems. For help, contact the <a href=\"https:\/\/www.moneyhelper.org.uk\/en\" target=\"_blank\" rel=\"noopener\">MoneyHelper<\/a>.<\/li><\/ul><\/div><\/article><h3>Which retailers accept Laybuy?<\/h3><p>Laybuy is currently partnered with just over 1,200 stores. You can see a full list of shops that accept Laybuy in our <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/laybuy-shops\">full Laybuy store guide<\/a>.<\/p><div class=\"importantText importantText__quote\">\n  <blockquote>\n    <div class=\"importantText__quoteIcon\"><\/div>\n    <p>Although BNPL services can be a useful way to spread the cost of your purchases, most BNPL agreements aren\u2019t regulated by the Financial Conduct Authority (FCA). This means that if something goes wrong, you won\u2019t get comprehensive consumer protection.\u201d<\/p>\n    <footer class=\"importantText__quoteAuthor\">\u2013 <cite>Rachel Wait, financial journalist<\/cite><\/footer>\n  <\/blockquote>\n<\/div>\n<h3>How much does Laybuy cost to use?<\/h3><p>Laybuy has no annual fees for its platform. Also, as its payment plan is interest-free, you shouldn\u2019t ever have to pay more than an item\u2019s original price tag, as long as you pay on time.<\/p><p>If you\u2019re late with a payment, you\u2019ll be charged \u00a36. You\u2019ll then have 7 days to pay the missed instalment before another \u00a36 late fee is charged. You could be charged, in aggregate, \u00a312 for each instalment payment you miss, up to a maximum charge of \u00a324 per purchase.<\/p><h3>Is Laybuy safe to use?<\/h3><p>Yes. All Laybuy\u2019s transactions are secure and encrypted, meaning that you\u2019re safe to shop with any of its partner retailers. Laybuy also carries out credit checks and verifies your details before creating your account and providing you with a limit.<\/p><h3>How can I sign up for Laybuy?<\/h3><p>You need to be at least 18 and be a UK resident. You can register either via Laybuy\u2019s website or direct from a retailers\u2019 website checkout. You\u2019ll need to provide Laybuy with your name, address and mobile number so that it can carry out a credit check and verification.<\/p><h3>How can I pay using Laybuy?<\/h3><p>Laybuy only accepts payments on orders from a nominated debit or credit card that is loaded on your Laybuy account. It does not accept prepaid cards or bank transfers to settle any payments due on your account.<\/p><h3>What happens if I can\u2019t make a payment?<\/h3><p>When payment for an instalment fails, Laybuy will send you an email to let you know straight away. The payment will then be attempted again 24 hours later and if this fails, a late fee of \u00a36 is applied. If this instalment remains unpaid for a further 7 days, another \u00a36 fee will be applied but capped at \u00a324. It\u2019s important to get in touch with Laybuy as soon as you can if you think you might miss a payment.<\/p><p>Laybuy will not allow you to make a new purchase until your declined payments (instalments and late fees) are all paid and up to date. Late payments will show up on your credit report, as Laybuy reports payment data to the credit reference agency (CRA) Experian. This could affect your chances of getting credit again in the future.<\/p><h3>Laybuy customer reviews<\/h3><p>Laybuy doesn\u2019t score well on review site Trustpilot. It scores 2.5 out of 5 stars with a rating of \u201cPoor\u201d, based on almost 10,000 reviews (updated May 2024).<\/p><p>The Laybuy app gets 4.7 stars out of 5 on the App Store based on over 6,000 reviews (updated May 2024).<\/p><h3>Pros and cons of Laybuy<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Simple to use and only 1 way to pay.<\/li>\n                                    <li>Weekly automatic payments.<\/li>\n                                    <li>Interest free.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>You can't \"try before you buy\" as you make the first payment at the time of purchase.<\/li>\n                                    <li>Late fees if you miss an automatic payment.<\/li>\n                                    <li>Missed payments will show up on credit report.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n\n\n \n\n\n<style>\n#newsletter-signup { overflow-x: clip; }\n.newsletter-signupImageHolder { width: 20%; flex-basis: 20%; flex-grow: inherit; min-width: 70px; max-width: 80px !important; position: relative; }\n.newsletter-signupImage { width: 74px; min-width: 74px; position: absolute; bottom: 0; right: 0; padding-right: 8px; }\n.newsletter-signupGrid { padding-bottom: 0 !important; }\n.newsletter-signupHeader { color: #232320; font-size: 1.2em; margin-bottom: 0; line-height: 24px; letter-spacing: -0.3px; }\n.newsletter-signupText { font-size: 16px; letter-spacing: -0.2px; line-height: 22px; }\n.emllnks { display: flex; justify-content: space-between; align-items: center; line-height: 14px; font-size: 14px; }\n.emllnks a { text-decoration: none !important; color: #232320}\n.emllnks a:focus, .emllnks a:hover { color: #232320 !important; } \n@media only screen and (max-width: 1250px) {\n#newsletter-signup { padding-left: 0.85em !important; padding-right: 0.85em !important; }\n}\n@media only screen and (max-width: 961px) {\n.newsletter-signupCard { height: 120px; }\n.newsletter-signupImageHolder { max-width: 92px !important; }\n.newsletter-signupImage { min-width: 100px; padding-right: 6px; }\n}\n@media only screen and (max-width: 601px) {\n.newsletter-signupCard { height: 200px; }\n}\n<\/style>\n\n\n\n<div id=\"newsletter-signup\" class=\"u-rounded--lg has-padding-small no-padding-bottom has-margin-top-small has-margin-bottom-small u-bg--lime-500\">\n\n<div class=\"u-grid u-grid--noWrap u-grid--alignMiddle u-grid--gutterSmall\">\n\n<div class=\"u-grid__col u-grid__col--alignBottom no-padding-bottom newsletter-signupImageHolder\"><img decoding=\"async\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png\" alt=\"George Sweeney\" class=\"newsletter-signupImage\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/div>\n\n<div class=\"u-grid__col has-margin-bottom-xsmall\">\n\n<div class=\"u-grid u-grid--alignMiddle\">\n<div class=\"u-grid__col u-3\/5@l\">\n\n<p class=\"newsletter-signupHeader u-italic has-padding-top-xsmall has-padding-bottom-xxsmall\">Subscribe for a chance to win \u00a3400<\/p>\n<p class=\"newsletter-signupText no-margin-bottom has-padding-bottom-xsmall\">Only 46% of competition winners claim their prize, don't miss out! (T&amp;Cs)<\/p>\n\n<\/div>\n<div class=\"u-grid__col u-2\/5@l\">\n\n<form class=\"form js-ns-newsletter\" data-validation=\"\" data-niche=\"FIN\" novalidate=\"\" data-form=\"subscriptionBox\">\n<div class=\"u-grid u-grid--gutterCollapse has-margin-bottom-xxsmall\">\n<div class=\"u-grid__col u-2\/3 newsletter-signupGrid\">\n<div class=\"form__group\">\n<div class=\"form__input-group icon-mail js-email no-margin-bottom\"><input id=\"emlfld\" class=\"form__input-text form__input-group-text\" size=\"20\" maxlength=\"100\" type=\"email\" name=\"email\" placeholder=\" Enter your email\" aria-label=\"Email Address (required)\" aria-describedby=\"privacyDescription\" required=\"\" style=\"height: 40px; border-radius: 10px 0px 0px 10px; border: 1px solid #232320; padding: 0.5em;\">\n<\/div>\n<\/div>\n<\/div>\n<div class=\"u-grid__col u-1\/3 newsletter-signupGrid\">\n<button type=\"submit\" name=\"submit\" role=\"button\" class=\"u-btn--dark luna-button luna-button--fluid relative has-overflow-hidden no-margin-bottom\" onclick=\"validateEmailJoin()\" id=\"form-submit\" style=\"border-radius: 0px 10px 10px 0px; height: 40px; border: 1px solid #232320;\"><span class=\"btn__content\">Sign up<\/span><span class=\"btn__loading loading-pulse\">loading<\/span><span class=\"btn__success icon-tick\"><\/span><\/button>\n<\/div>\n<\/div>\n<p class=\"luna-form__feedback is-hidden\" id=\"email-error\"><\/p>\n<\/form>\n\n<div class=\"no-margin-bottom emllnks text-center has-padding-top-xsmall\"><a href=\"https:\/\/www.finder.com\/uk\/about-us\/competition-winners\" class=\"has-margin-right-xxsmall\">Winners<\/a> | <a href=\"https:\/\/www.finder.com\/uk\/about-us\/example-email#savings\" class=\"has-margin-left-xxsmall has-margin-right-xxsmall\">Emails<\/a> | <a href=\"https:\/\/www.finder.com\/uk\/communication-preferences\" class=\"has-margin-left-xxsmall has-margin-right-xxsmall\">Unsubscribe<\/a> | <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\" class=\"has-margin-left-xxsmall\">Privacy<\/a><\/div>\n\n<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n\n<\/div>\n\n\n\n\n\n\n<script>\ndocument.addEventListener(\"DOMContentLoaded\", function(event) {\nvar currentCookie = {};\ndocument.cookie.replace(\/([^=;]+)=([^;]*)\/gi, function(m,key,value) {currentCookie[key.replace(\/(^s+|s+$)\/g,'')] = value.replace(\/(^s+|s+$)\/g,'');});\nvar pageUrl = window.location.href;\n});\n\nfunction validateEmailJoin(){\nvar emlsgnp = document.getElementById(\"newsletter-signup\");\nvar email = document.getElementById(\"emlfld\").value;\nvar phoneNumber = '';\nvar f = document.getElementById('email-error');\nf.className = \"luna-form__feedback is-hidden\";\nif (email.includes(\"@\") && email.includes(\".\") && email.indexOf(\"gnail.com\") == -1 && email.indexOf(\"hitmail.co\") == -1) {\ngetSignUpPayload(email);\nreturn true;\n} else {\nf.innerHTML = \"Hmm... your email address doesn't look quite right. Please re-enter it and try again.\";\nf.className = \"luna-form__feedback has-padding-bottom-xsmall text-center\";\nreturn false;\n}\n};\n\nfunction getSignUpPayload(email) {\nvar trackingParams = {};\ndocument.cookie.split(';').forEach((a) => {if(a.includes(\"__futm_data=\")){trackingParams = JSON.parse(decodeURI(a.split(\"=\")[1]).replaceAll('%3A',':').replaceAll('%2C',','))}});\ntrackingParams.signUpUrl = window.location.href;\nsegmentSignUp(email,trackingParams);\nsendJoinWaitlistGAEvent();\n};\n\nfunction segmentSignUp(email,trackingParams) {\nvar email = document.getElementById(\"emlfld\").value;\nvar phoneNumber = '';\nvar f = document.getElementById('email-error');\nvar b = document.getElementById('form-submit');\n\nfunction trackSegmentBE(email) {\nvar endpointUrl = \"\/wp-json\/notification-service-proxy\/v1\/track\";\nvar params = {\neventName: \"newsletterSubscribed\",\nemail: email,\npayload: {\nsubmitNiche: 'UKCCF',\nsubmitUrl: window.location.href,\nsubmitDomainCountry: 'uk',\nsubmitForm: 'subscriptionBox',\n},\n};\nvar result = fetch(endpointUrl, {\nmethod: \"POST\",\nheaders: {\n\"Content-Type\": \"application\/x-www-form-urlencoded\",\n},\nbody: $.param(params),\n});\n}\n\ntrackSegmentBE(email);\n\nf.className = \"luna-form__feedback has-padding-bottom-xsmall text-center\";\nf.innerHTML = \"Success! Thanks for signing up.\";\nb.setAttribute(\"disabled\", \"\");\nreturn true;\n\n};\n\nfunction sendJoinWaitlistGAEvent() {\nif (window.ga === undefined) {\nreturn;\n}\n\nwindow.ga('send', 'event', 'ukfin email signup', 'signed up', null, undefined, { nonInteraction: false });\n}\n<\/script>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<h3 id=\"verdict\">Our verdict: Is Laybuy any good?<\/h3><p>Laybuy is a growing contender in the UK\u2019s buy now, pay later market. Similar to its better known competitor, Clearpay, it lets you split the payment of your purchase over a number of weeks, which is super handy if you\u2019re on a budget. The automatic payments also mean you don\u2019t need to worry about scheduling the money to go out of your account, as the payments are automatically debited from your account each week. There\u2019s no interest to pay when using Laybuy either.<\/p><p>The main drawback is that you\u2019ll be charged late fees on missed payments, which could add up. Missed payments will be recorded on your credit file and could lower your credit score. You also can\u2019t \u201ctry before you buy\u201d as you have to pay your first instalment on your goods at the time of purchase.<\/p><h3>How can I contact Laybuy?<\/h3><p>Laybuy does not offer over-the-phone support, but they can be contacted through an <a href=\"https:\/\/help.laybuy.com\/hc\/en-us\/requests\/new\" target=\"_blank\" rel=\"noopener noreferrer\">online request form<\/a>.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">How do I get a refund on items I no longer want?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>If you decide you don\u2019t want to keep a purchase, you just need to follow the retailer\u2019s own returns policy.<\/p><p>You can pause any future payments coming out of your account while your return is being processed by notifying Laybuy by email at help@laybuy.com<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Will my credit score be affected using Laybuy?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>This really depends on you. If you make each of the 6 payments on time, then there shouldn\u2019t be any problems and your credit score may even get better. But, if you miss a payment and fail to respond to Laybuy\u2019s requests for outstanding payments, this will be reported on your credit file and could affect your chances of getting credit in the future.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Can I pay Laybuy every fortnight instead?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Unfortunately, you won\u2019t be able to change your 6-week payment plan to 3 fortnightly instalments. But, you can pay earlier if you wish at no added cost.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">How can I manage my payments with Laybuy?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Use the app or your online Laybuy account to stay on top of all your purchases and payments.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">What if I miss a payment?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>If you fail to make a payment on time, Laybuy will wait 24 hours before it charges you a penalty fee of \u00a36 for each late payment. If the payment has still not been paid within 7 days, you\u2019ll be charged another \u00a36. Late fees are capped at \u00a324 per purchase. Payment data is passed on to Experian and missed payments will show up on your credit file.<\/p><p>As a last resort, a debt collection agency will contact you to collect the outstanding amount owed. <\/p><\/div>\n  <\/div>\n<\/li><\/ul>\n<div class=\"contentFeed-responsive-wrapper\" data-content-feed-type=\"content_feed\">\n        <div class=\"contentFeed contentFeed--relatedPosts contentFeed--carousel-version\">\n                    <h3 class=\"contentFeed__title\">Shopping news and reviews<\/h3>\n                <div class=\"contentFeed__carousel\" data-post-count=\"5\">\n                        <div class=\"fin-carousels fin-carousels--multiple-items-in-view\" id=\"fin-carousel0000000000\" data-items-in-view=\"4\" style=\"--items-in-view: 4\">\n    <div class=\"fin-carousels__container\">\n        <div class=\"fin-carousels__slides\">\n                                        <div class=\"fin-carousel-item\">\n                    <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/half-of-adults-in-the-uk-have-now-used-buy-now-pay-later\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=600&amp;webp=1 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=900&amp;webp=1 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=1920&amp;webp=1 1920w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=1920 1920w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"hand holding phone\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Buy now pay later<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/half-of-adults-in-the-uk-have-now-used-buy-now-pay-later\">Half of adults in the UK have now used buy now, pay later<\/a>            <\/p>        <\/header>        <p>Half of adults in the UK \u2013 around 26.4 million Brits \u2013 have now used buy now, pay later (BNPL), according to new research.<\/p>                    <\/div>                <footer class=\"luna-card__footer\">            <div class=\"luna-author\">                <img decoding=\"async\" alt=\"Sophie Barber\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/SophieBarberF1_Finder_600x600.png\" class=\"luna-avatar luna-avatar--small luna-avatar--greyscale\" height=\"45\" width=\"45\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/SophieBarberF1_Finder_600x600.png?fit=135 135w\" sizes=\"(max-width: 135px) 100vw, 135px\" loading=\"lazy\">                <div class=\"luna-author__details\">                    <address>by                        <a href=\"https:\/\/www.finder.com\/uk\/author\/sophiebarber\" rel=\"author\">Sophie Barber<\/a>                    <\/address>                    <time title=\"16 Feb 2024\">16 Feb 2024<\/time>                <\/div>            <\/div>        <\/footer>    <\/article>                \n<\/div>\n                            <div class=\"fin-carousel-item\">\n                    <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/monzo-flex\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/09\/Monzo-content.png?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/09\/Monzo-content.png?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/09\/Monzo-content.png?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/09\/Monzo-content.png\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/09\/Monzo-content.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/09\/Monzo-content.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/09\/Monzo-content.png?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"Monzo logo\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Credit Cards<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/monzo-flex\">What\u2019s Monzo Flex and should you get your hands on one?<\/a>            <\/p>        <\/header>        <p>Find out how to spread your purchases over 3, 6 or 12 months with Monzo Flex.<\/p>                    <\/div>                <footer class=\"luna-card__footer\">            <div class=\"luna-author\">                <img decoding=\"async\" alt=\"Rachel Wait\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png\" class=\"luna-avatar luna-avatar--small luna-avatar--greyscale\" height=\"45\" width=\"45\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png?fit=135 135w\" sizes=\"(max-width: 135px) 100vw, 135px\" loading=\"lazy\">                <div class=\"luna-author__details\">                    <address>by                        <a href=\"https:\/\/www.finder.com\/uk\/author\/rachelwait\" rel=\"author\">Rachel Wait<\/a>                    <\/address>                    <time title=\"10 Apr 2026\">10 Apr 2026<\/time>                <\/div>            <\/div>        <\/footer>    <\/article>                \n<\/div>\n                            <div class=\"fin-carousel-item\">\n                    <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/paypal-credit-review\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/paypal-logo-450.png?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/paypal-logo-450.png?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/paypal-logo-450.png?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/paypal-logo-450.png\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/paypal-logo-450.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/paypal-logo-450.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/paypal-logo-450.png?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Buy now pay later<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/paypal-credit-review\">What is PayPal Credit?<\/a>            <\/p>        <\/header>        <p>Discover more about PayPal Credit to see if it could work for you.<\/p>                    <\/div>                <footer class=\"luna-card__footer\">            <div class=\"luna-author\">                <img decoding=\"async\" alt=\"Rachel Wait\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png\" class=\"luna-avatar luna-avatar--small luna-avatar--greyscale\" height=\"45\" width=\"45\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png?fit=135 135w\" sizes=\"(max-width: 135px) 100vw, 135px\" loading=\"lazy\">                <div class=\"luna-author__details\">                    <address>by                        <a href=\"https:\/\/www.finder.com\/uk\/author\/rachelwait\" rel=\"author\">Rachel Wait<\/a>                    <\/address>                    <time title=\"14 Dec 2023\">14 Dec 2023<\/time>                <\/div>            <\/div>        <\/footer>    <\/article>                \n<\/div>\n                            <div class=\"fin-carousel-item\">\n                    <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/pollenpay-review\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/pollenpay_logo_450.png?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/pollenpay_logo_450.png?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/pollenpay_logo_450.png?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/pollenpay_logo_450.png\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/pollenpay_logo_450.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/pollenpay_logo_450.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/pollenpay_logo_450.png?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Buy now pay later<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/pollenpay-review\">PollenPay review 2026<\/a>            <\/p>        <\/header>        <p>New buy now, pay later challenger PollenPay goes head to head with big fishes like Klarna and Clearpay to offer customers interest-free instalment plans.<\/p>                    <\/div>                <footer class=\"luna-card__footer\">            <div class=\"luna-author\">                <img decoding=\"async\" alt=\"Emily Herring\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/EmilyHerringF1_Finder_600x600-1.png\" class=\"luna-avatar luna-avatar--small luna-avatar--greyscale\" height=\"45\" width=\"45\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/EmilyHerringF1_Finder_600x600-1.png?fit=135 135w\" sizes=\"(max-width: 135px) 100vw, 135px\" loading=\"lazy\">                <div class=\"luna-author__details\">                    <address>by                        <a href=\"https:\/\/www.finder.com\/uk\/author\/emilyherring\" rel=\"author\">Emily Herring<\/a>                    <\/address>                    <time title=\"24 Jan 2024\">24 Jan 2024<\/time>                <\/div>            <\/div>        <\/footer>    <\/article>                \n<\/div>\n                            <div class=\"fin-carousel-item\">\n                    <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/klarna-vs-paypal\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/klarna-vs-PayPal-450x250-1.png?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/klarna-vs-PayPal-450x250-1.png?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/klarna-vs-PayPal-450x250-1.png?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/klarna-vs-PayPal-450x250-1.png\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/klarna-vs-PayPal-450x250-1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/klarna-vs-PayPal-450x250-1.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/klarna-vs-PayPal-450x250-1.png?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Buy now pay later<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/klarna-vs-paypal\">Klarna vs PayPal: Compare popular buy now pay later platforms<\/a>            <\/p>        <\/header>        <p>Klarna and PayPal are two of the biggest names in the online payment industry. So which should you use for your next purchase? We compare the two.<\/p>                    <\/div>                <footer class=\"luna-card__footer\">            <div class=\"luna-author\">                                <div class=\"luna-author__details\">                    <address>by                        <a href=\"https:\/\/www.finder.com\/uk\/author\/georgiarosejohnson\" rel=\"author\">Georgia-Rose Johnson<\/a>                    <\/address>                    <time title=\"01 Oct 2021\">01 Oct 2021<\/time>                <\/div>            <\/div>        <\/footer>    <\/article>                \n<\/div>\n                        \n        <\/div>\n    <\/div>\n    <div class=\"fin-carousels__controls\">\n        <button class=\"fin-carousels__nav fin-carousels__nav--prev fin-carousels__nav--disabled\" aria-label=\"Previous slide\">\n            <svg class=\"luna-icon\" style=\"--fill: var(--color-background-main)\">\n                <use href=\"#chevron-left\"><\/use>\n            <\/svg>\n        <\/button>\n        <button class=\"fin-carousels__nav fin-carousels__nav--next fin-carousels__nav--disabled\" aria-label=\"Next slide\">\n            <svg class=\"luna-icon\" style=\"--fill: var(--color-background-main)\">\n                <use href=\"#chevron-right\"><\/use>\n            <\/svg>\n        <\/button>\n    <\/div>\n\n    <div class=\"fin-carousels__dots\" role=\"tablist\" aria-label=\"Carousel navigation\"><!-- Dots will be generated by JavaScript -->\n    <\/div>\n<\/div>\n\n        <\/div>\n    <\/div>\n\n        <div class=\"contentFeed contentFeed--inline contentFeed--regular-version\">\n                    <h3 class=\"contentFeed__title\">Shopping news and reviews<\/h3>\n                            \n<article class=\"luna-card luna-card--inline@s luna-card--stacked-author\">\n        <figure class=\"luna-card__figure u-1\/3@s\">\n        <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/half-of-adults-in-the-uk-have-now-used-buy-now-pay-later\">\n            <picture>\n                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=600&amp;webp=1 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=900&amp;webp=1 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=1920&amp;webp=1 1920w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>\n                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=1920 1920w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"hand holding phone\" loading=\"lazy\">\n            <\/picture>\n        <\/a>\n    <\/figure>\n\n        <div class=\"luna-card__block luna-card__block--with-author\">\n                            <div class=\"contentFeed__pills\">\n                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Buy now pay later<\/span>\n                            <\/div>\n        \n                <header>\n            <p class=\"luna-card__title\">\n                <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/half-of-adults-in-the-uk-have-now-used-buy-now-pay-later\">Half of adults in the UK have now used buy now, pay later<\/a>\n            <\/p>\n        <\/header>\n        <p>Half of adults in the UK \u2013 around 26.4 million Brits \u2013 have now used buy now, pay later (BNPL), according to new research.<\/p>\n\n                            <footer class=\"luna-card__footer--inline\">\n                <div class=\"luna-author\">\n                    <img decoding=\"async\" alt=\"Sophie Barber\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/SophieBarberF1_Finder_600x600.png\" class=\"luna-avatar luna-avatar--small luna-avatar--greyscale\" height=\"45\" width=\"45\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/SophieBarberF1_Finder_600x600.png?fit=135 135w\" sizes=\"(max-width: 135px) 100vw, 135px\" loading=\"lazy\">\n                    <div class=\"luna-author__details\">\n                        <address>by\n                            <a href=\"https:\/\/www.finder.com\/uk\/author\/sophiebarber\" rel=\"author\">Sophie Barber<\/a>\n                        <\/address>\n                        <time title=\"16 Feb 2024\">16 Feb 2024<\/time>\n                    <\/div>\n                <\/div>\n            <\/footer>\n            <\/div>\n\n        <\/article>\n\n                    \n<article class=\"luna-card luna-card--inline@s luna-card--stacked-author\">\n        <figure class=\"luna-card__figure u-1\/3@s\">\n        <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/monzo-flex\">\n            <picture>\n                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/09\/Monzo-content.png?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/09\/Monzo-content.png?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/09\/Monzo-content.png?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>\n                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/09\/Monzo-content.png\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/09\/Monzo-content.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/09\/Monzo-content.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/09\/Monzo-content.png?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"Monzo logo\" loading=\"lazy\">\n            <\/picture>\n        <\/a>\n    <\/figure>\n\n        <div class=\"luna-card__block luna-card__block--with-author\">\n                            <div class=\"contentFeed__pills\">\n                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Credit Cards<\/span>\n                            <\/div>\n        \n                <header>\n            <p class=\"luna-card__title\">\n                <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/monzo-flex\">What\u2019s Monzo Flex and should you get your hands on one?<\/a>\n            <\/p>\n        <\/header>\n        <p>Find out how to spread your purchases over 3, 6 or 12 months with Monzo Flex.<\/p>\n\n                            <footer class=\"luna-card__footer--inline\">\n                <div class=\"luna-author\">\n                    <img decoding=\"async\" alt=\"Rachel Wait\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png\" class=\"luna-avatar luna-avatar--small luna-avatar--greyscale\" height=\"45\" width=\"45\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png?fit=135 135w\" sizes=\"(max-width: 135px) 100vw, 135px\" loading=\"lazy\">\n                    <div class=\"luna-author__details\">\n                        <address>by\n                            <a href=\"https:\/\/www.finder.com\/uk\/author\/rachelwait\" rel=\"author\">Rachel Wait<\/a>\n                        <\/address>\n                        <time title=\"10 Apr 2026\">10 Apr 2026<\/time>\n                    <\/div>\n                <\/div>\n            <\/footer>\n            <\/div>\n\n        <\/article>\n\n                    \n<article class=\"luna-card luna-card--inline@s luna-card--stacked-author\">\n        <figure class=\"luna-card__figure u-1\/3@s\">\n        <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/paypal-credit-review\">\n            <picture>\n                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/paypal-logo-450.png?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/paypal-logo-450.png?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/paypal-logo-450.png?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>\n                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/paypal-logo-450.png\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/paypal-logo-450.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/paypal-logo-450.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/paypal-logo-450.png?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">\n            <\/picture>\n        <\/a>\n    <\/figure>\n\n        <div class=\"luna-card__block luna-card__block--with-author\">\n                            <div class=\"contentFeed__pills\">\n                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Buy now pay later<\/span>\n                            <\/div>\n        \n                <header>\n            <p class=\"luna-card__title\">\n                <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/paypal-credit-review\">What is PayPal Credit?<\/a>\n            <\/p>\n        <\/header>\n        <p>Discover more about PayPal Credit to see if it could work for you.<\/p>\n\n                            <footer class=\"luna-card__footer--inline\">\n                <div class=\"luna-author\">\n                    <img decoding=\"async\" alt=\"Rachel Wait\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png\" class=\"luna-avatar luna-avatar--small luna-avatar--greyscale\" height=\"45\" width=\"45\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png?fit=135 135w\" sizes=\"(max-width: 135px) 100vw, 135px\" loading=\"lazy\">\n                    <div class=\"luna-author__details\">\n                        <address>by\n                            <a href=\"https:\/\/www.finder.com\/uk\/author\/rachelwait\" rel=\"author\">Rachel Wait<\/a>\n                        <\/address>\n                        <time title=\"14 Dec 2023\">14 Dec 2023<\/time>\n                    <\/div>\n                <\/div>\n            <\/footer>\n            <\/div>\n\n        <\/article>\n\n                    \n<article class=\"luna-card luna-card--inline@s luna-card--stacked-author\">\n        <figure class=\"luna-card__figure u-1\/3@s\">\n        <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/pollenpay-review\">\n            <picture>\n                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/pollenpay_logo_450.png?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/pollenpay_logo_450.png?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/pollenpay_logo_450.png?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>\n                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/pollenpay_logo_450.png\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/pollenpay_logo_450.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/pollenpay_logo_450.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/pollenpay_logo_450.png?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">\n            <\/picture>\n        <\/a>\n    <\/figure>\n\n        <div class=\"luna-card__block luna-card__block--with-author\">\n                            <div class=\"contentFeed__pills\">\n                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Buy now pay later<\/span>\n                            <\/div>\n        \n                <header>\n            <p class=\"luna-card__title\">\n                <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/pollenpay-review\">PollenPay review 2026<\/a>\n            <\/p>\n        <\/header>\n        <p>New buy now, pay later challenger PollenPay goes head to head with big fishes like Klarna and Clearpay to offer customers interest-free instalment plans.<\/p>\n\n                            <footer class=\"luna-card__footer--inline\">\n                <div class=\"luna-author\">\n                    <img decoding=\"async\" alt=\"Emily Herring\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/EmilyHerringF1_Finder_600x600-1.png\" class=\"luna-avatar luna-avatar--small luna-avatar--greyscale\" height=\"45\" width=\"45\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/EmilyHerringF1_Finder_600x600-1.png?fit=135 135w\" sizes=\"(max-width: 135px) 100vw, 135px\" loading=\"lazy\">\n                    <div class=\"luna-author__details\">\n                        <address>by\n                            <a href=\"https:\/\/www.finder.com\/uk\/author\/emilyherring\" rel=\"author\">Emily Herring<\/a>\n                        <\/address>\n                        <time title=\"24 Jan 2024\">24 Jan 2024<\/time>\n                    <\/div>\n                <\/div>\n            <\/footer>\n            <\/div>\n\n        <\/article>\n\n                    \n<article class=\"luna-card luna-card--inline@s luna-card--stacked-author\">\n        <figure class=\"luna-card__figure u-1\/3@s\">\n        <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/klarna-vs-paypal\">\n            <picture>\n                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/klarna-vs-PayPal-450x250-1.png?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/klarna-vs-PayPal-450x250-1.png?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/klarna-vs-PayPal-450x250-1.png?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>\n                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/klarna-vs-PayPal-450x250-1.png\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/klarna-vs-PayPal-450x250-1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/klarna-vs-PayPal-450x250-1.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/klarna-vs-PayPal-450x250-1.png?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">\n            <\/picture>\n        <\/a>\n    <\/figure>\n\n        <div class=\"luna-card__block luna-card__block--with-author\">\n                            <div class=\"contentFeed__pills\">\n                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Buy now pay later<\/span>\n                            <\/div>\n        \n                <header>\n            <p class=\"luna-card__title\">\n                <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/klarna-vs-paypal\">Klarna vs PayPal: Compare popular buy now pay later platforms<\/a>\n            <\/p>\n        <\/header>\n        <p>Klarna and PayPal are two of the biggest names in the online payment industry. So which should you use for your next purchase? We compare the two.<\/p>\n\n                            <footer class=\"luna-card__footer--inline\">\n                <div class=\"luna-author\">\n                    \n                    <div class=\"luna-author__details\">\n                        <address>by\n                            <a href=\"https:\/\/www.finder.com\/uk\/author\/georgiarosejohnson\" rel=\"author\">Georgia-Rose Johnson<\/a>\n                        <\/address>\n                        <time title=\"01 Oct 2021\">01 Oct 2021<\/time>\n                    <\/div>\n                <\/div>\n            <\/footer>\n            <\/div>\n\n        <\/article>\n\n            <\/div>\n<\/div>\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article> \n\n\n<style>\n#newsletter-fltr-signup { display:none; position: fixed; bottom: 0; left: 0; width: 100%; z-index: 5; padding: 0.5em 0em 0em; box-sizing: border-box; }\n.newsletter-fltr-signupImage { width: 92px; min-width: 92px; position: absolute; bottom: -32px; right: 0; padding-right: 8px; }\n.newsletter-fltr-signupGrid { padding-bottom: 0 !important; }\n#newsletter-fltr-signup-close-btn:hover { cursor: pointer; }\n#newsletter-fltr-signup-close-btn { color: #232320; background: #C3F53C; border-radius: 4px 4px 0px 0px; height: 1.5em; width: 80px; margin: -2em 0em 0.5em auto; text-align: center; padding-top: 4px; box-sizing: border-box; }\n.newsletter-fltr-signupHeader { color: #232320; font-size: 1.2em; margin-bottom: 0; line-height: 24px; letter-spacing: -0.2px; }\n.newsletter-fltr-signupText { font-size: 16px; letter-spacing: -0.2px; line-height: 20px; }\n.emllnks { display: flex; justify-content: space-between; align-items: center; line-height: 14px; font-size: 14px; }\n.emllnks a { text-decoration: none !important; }\n.emllnks a:focus, .emllnks a:hover { color: #232320 !important; } \n@media only screen and (max-width: 1250px) {\n#newsletter-fltr-signup { padding-left: 0.85em !important; padding-right: 0.85em !important; }\n}\n@media only screen and (max-width: 961px) {\n#newsletter-fltr-signup-close-btn { right: 2em; bottom: 7.5em; }\n.newsletter-fltr-signupCard { height: 120px; }\n.newsletter-fltr-signupImage { bottom: 0; min-width: 100px; }\n}\n@media only screen and (max-width: 601px) {\n#newsletter-fltr-signup-close-btn { right: 2em; bottom: 12em; }\n.newsletter-fltr-signupCard { height: 200px; }\n}\n@-webkit-keyframes fadein { 0% { opacity: 0; } 100% { opacity: 1; } }\n@keyframes fadein { 0% { opacity:0; } 100% { opacity:1; } }\n.fadeIn { opacity: 1; -moz-animation: fadein 0.5s linear; -webkit-animation: fadein 0.5s linear; animation: fadein 0.5s linear; }\n<\/style>\n\n\n\n<div id=\"newsletter-fltr-signup\" class=\"u-bg--lime-500\">\n<div class=\"f1-main-right-content transition-all f1-main-right-content--collapsed\">\n<div class=\"content\">\n\n<div id=\"newsletter-fltr-signup-close-btn\" class=\"text-x-small\">Hide <svg class=\"luna-icon luna-icon--xsmall has-margin-top-xxsmall\"><use xlink:href=\"#chevron-down\"><\/use><\/svg><\/div>\n\n<div class=\"u-grid u-grid--noWrap u-grid--alignMiddle u-grid--gutterSmall\">\n\n<div class=\"u-grid__col u-grid__col--alignBottom no-padding-bottom\" style=\"width: 20%; flex-basis: 20%; flex-grow: inherit; min-width: 70px; max-width: 100px; position: relative;\"><img decoding=\"async\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png\" alt=\"George Sweeney\" class=\"newsletter-fltr-signupImage\" width=\"92\" height=\"159\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=276 276w\" sizes=\"(max-width: 276px) 100vw, 276px\" loading=\"lazy\"><\/div>\n\n<div class=\"u-grid__col\">\n\n<div class=\"u-grid u-grid--alignMiddle\">\n<div class=\"u-grid__col u-3\/5@m\">\n\n<p class=\"newsletter-fltr-signupHeader u-italic has-padding-top-xsmall has-padding-bottom-xxsmall\">Subscribe for a chance to win \u00a3400<\/p>\n<p class=\"newsletter-fltr-signupText no-margin-bottom has-padding-bottom-xsmall\">Only 46% of competition winners claim their prize, don't miss out! (T&amp;Cs)<\/p>\n\n<\/div>\n<div class=\"u-grid__col u-2\/5@m\">\n\n<form class=\"form js-ns-newsletter\" data-validation=\"\" data-niche=\"UKCCF\" novalidate=\"\" data-form=\"subscribeFloaterFooter\">\n<div class=\"u-grid u-grid--gutterCollapse has-margin-bottom-xxsmall\">\n<div class=\"u-grid__col u-2\/3 newsletter-fltr-signupGrid\">\n<div class=\"form__group\">\n<div class=\"form__input-group icon-mail js-email no-margin-bottom\"><input id=\"fltremlfld\" class=\"form__input-text form__input-group-text\" size=\"20\" maxlength=\"100\" type=\"email\" name=\"email\" placeholder=\" Enter your email\" aria-label=\"Email Address (required)\" aria-describedby=\"privacyDescription\" required=\"\" style=\"height: 40px; border-radius: 10px 0px 0px 10px; border: 1px solid #232320; padding: 0.5em;\">\n<\/div>\n<\/div>\n<\/div>\n<div class=\"u-grid__col u-1\/3 newsletter-fltr-signupGrid\">\n<button type=\"submit\" name=\"submit\" role=\"button\" class=\"u-btn--dark luna-button luna-button--fluid relative has-overflow-hidden no-margin-bottom\" onclick=\"fltrValidateEmailJoin()\" id=\"form-submit\" style=\"border-radius: 0px 10px 10px 0px; height: 40px; border: 1px solid #232320;\"><span class=\"btn__content\">Sign up<\/span><span class=\"btn__loading loading-pulse\">loading<\/span><span class=\"btn__success icon-tick\"><\/span><\/button>\n<\/div>\n<\/div>\n<p class=\"luna-form__feedback is-hidden\" id=\"email-error\"><\/p>\n<\/form>\n\n<div class=\"no-margin-bottom text-small emllnks text-center has-padding-top-xsmall\"><a href=\"https:\/\/www.finder.com\/uk\/about-us\/competition-winners\" class=\"has-margin-right-xxsmall\">Winners<\/a> | <a href=\"https:\/\/www.finder.com\/uk\/about-us\/example-email#savings\" class=\"has-margin-left-xxsmall has-margin-right-xxsmall\"><span class=\"is-hidden is-visible@s\">Past emails<\/span><span class=\"is-hidden@s\">Emails<\/span><\/a> | <a href=\"https:\/\/www.finder.com\/uk\/communication-preferences\" class=\"has-margin-left-xxsmall has-margin-right-xxsmall\">Unsubscribe<\/a> | <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\" class=\"has-margin-left-xxsmall\">Privacy<\/a><\/div>\n\n<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n\n\n\n\n\n\n<script>\ndocument.addEventListener(\"DOMContentLoaded\", function(event) {\nvar currentCookie = {};\ndocument.cookie.replace(\/([^=;]+)=([^;]*)\/gi, function(m,key,value) {currentCookie[key.replace(\/(^s+|s+$)\/g,'')] = value.replace(\/(^s+|s+$)\/g,'');});\nvar pageUrl = window.location.href;\n});\n\nfunction fltrValidateEmailJoin(){\nvar fltremlsgnp = document.getElementById(\"newsletter-fltr-signup\");\nvar email = document.getElementById(\"fltremlfld\").value;\nvar phoneNumber = '';\nvar f = document.getElementById('email-error');\nf.className = \"luna-form__feedback is-hidden\";\nif (email.includes(\"@\") && email.includes(\".\") && email.indexOf(\"gnail.com\") == -1 && email.indexOf(\"hitmail.co\") == -1) {\nfltrGetSignUpPayload(email);\nreturn true;\n} else {\nf.innerHTML = \"Hmm... your email address doesn't look quite right. Please re-enter it and try again.\";\nf.className = \"luna-form__feedback has-padding-bottom-xsmall text-center\";\nreturn false;\n}\n};\n\nfunction fltrGetSignUpPayload(email) {\nvar trackingParams = {};\ndocument.cookie.split(';').forEach((a) => {if(a.includes(\"__futm_data=\")){trackingParams = JSON.parse(decodeURI(a.split(\"=\")[1]).replaceAll('%3A',':').replaceAll('%2C',','))}});\ntrackingParams.signUpUrl = window.location.href;\nfltrSegmentSignUp(email,trackingParams);\nfltrSendJoinWaitlistGAEvent();\n};\n\nfunction fltrSegmentSignUp(email,trackingParams) {\nvar email = document.getElementById(\"fltremlfld\").value;\nvar phoneNumber = '';\nvar f = document.getElementById('email-error');\nvar b = document.getElementById('form-submit');\n\nfunction fltrTrackSegmentBE(email) {\nvar endpointUrl = \"\/wp-json\/notification-service-proxy\/v1\/track\";\nvar params = {\neventName: \"newsletterSubscribed\",\nemail: email,\npayload: {\nsubmitNiche: 'UKCCF',\nsubmitUrl: window.location.href,\nsubmitDomainCountry: 'uk',\nsubmitForm: 'subscribeFloaterFooter',\n},\n};\nvar result = fetch(endpointUrl, {\nmethod: \"POST\",\nheaders: {\n\"Content-Type\": \"application\/x-www-form-urlencoded\",\n},\nbody: $.param(params),\n});\n}\n\nfltrTrackSegmentBE(email);\nf.className = \"luna-form__feedback has-padding-bottom-xsmall text-center\";\nf.innerHTML = \"Success! 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