{"id":280328,"date":"2020-01-27T19:42:09","date_gmt":"2020-01-27T19:42:09","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=280328"},"modified":"2024-08-22T08:58:12","modified_gmt":"2024-08-22T07:58:12","slug":"payl8r-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/payl8r-review","title":{"rendered":"Payl8r review: Buy now and pay l8r for your online shopping"},"content":{"rendered":"<p>With more than 1,000 retailers available through Payl8r, you\u2019ll be spoiled for choice when it comes to your online shopping spree. What\u2019s more, you\u2019ll be able to choose how to split your payments up and can benefit from the provider\u2019s no-interest options.<\/p><h3>How does Payl8r work?<\/h3><p>If you browse in <a href=\"https:\/\/www.finder.com\/uk\/payl8r-store-list\">one of the shops that Payl8r is partnered with<\/a> and you decide to make a purchase, you\u2019ll simply need to head to the checkout and then select Payl8r as your method of payment. You can then choose the deposit (more on this later) and how you want to pay Payl8r back.<\/p><h4>Payl8r has three payment options to choose from:<\/h4><ul><li><b>Option 1.<\/b> This option means that you have up to 90 days in which to pay Payl8r back and you won\u2019t be charged any interest. Payments are split into 3.<\/li><li><b>Option 2.<\/b> Choosing this option will allow you to divide the cost of your shopping over 3, 6, 9, 12 or 18 monthly payments. But interest will be added after the first 3 months.<\/li><li><b>Option 3.<\/b> This will allow you to spread the cost of your shopping over up to 2 years. Exactly how many payments your total will be split into depends in your individual credit profile.<\/li><\/ul><p>You\u2019ll be able to go to your Payl8r account, see all the purchases you\u2019ve made and also find out when each payment is due.<\/p><h3>What happens if I make a late payment?<\/h3><p>Payl8r is one of the more unforgiving pay later providers if you miss a payment. It\u2019s okay to do it once, provided that you can cover that instalment within the next 28 days. If not, extra charges may be applied as detailed in your credit agreement.<\/p><p>You\u2019ll be charged \u00a35 if Payl8r attempts to take a payment and it fails, and \u00a315 if you miss a scheduled payment. You will also be charged interest on the amount owing until you pay it.<\/p><div class=\"did-you-know u-bg--sky-subtle u-rounded--lg\" data-component=\"did-you-know\">\n        <div class=\"did-you-know__block\">\n        <h4 class=\"did-you-know__title\">\n            <span class=\"did-you-know__title-icon\">\n                <svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <circle cx=\"16\" cy=\"16\" r=\"12\" fill=\"#00B2FF\"><\/circle>\n                    <path d=\"M17.5 22.5C17.5 22.7967 17.412 23.0867 17.2472 23.3334C17.0824 23.58 16.8481 23.7723 16.574 23.8858C16.2999 23.9993 15.9983 24.0291 15.7074 23.9712C15.4164 23.9133 15.1491 23.7704 14.9393 23.5607C14.7296 23.3509 14.5867 23.0836 14.5288 22.7926C14.471 22.5017 14.5007 22.2001 14.6142 21.926C14.7277 21.6519 14.92 21.4176 15.1667 21.2528C15.4133 21.088 15.7033 21 16 21C16.3978 21 16.7794 21.158 17.0607 21.4393C17.342 21.7206 17.5 22.1022 17.5 22.5ZM16 9C13.2425 9 11 11.0188 11 13.5V14C11 14.2652 11.1054 14.5196 11.2929 14.7071C11.4804 14.8946 11.7348 15 12 15C12.2652 15 12.5196 14.8946 12.7071 14.7071C12.8946 14.5196 13 14.2652 13 14V13.5C13 12.125 14.3463 11 16 11C17.6538 11 19 12.125 19 13.5C19 14.875 17.6538 16 16 16C15.7348 16 15.4804 16.1054 15.2929 16.2929C15.1054 16.4804 15 16.7348 15 17V18C15 18.2652 15.1054 18.5196 15.2929 18.7071C15.4804 18.8946 15.7348 19 16 19C16.2652 19 16.5196 18.8946 16.7071 18.7071C16.8946 18.5196 17 18.2652 17 18V17.91C19.28 17.4913 21 15.6725 21 13.5C21 11.0188 18.7575 9 16 9ZM29 16C29 18.5712 28.2376 21.0846 26.8091 23.2224C25.3807 25.3603 23.3503 27.0265 20.9749 28.0104C18.5995 28.9944 15.9856 29.2518 13.4638 28.7502C10.9421 28.2486 8.6257 27.0105 6.80762 25.1924C4.98953 23.3743 3.75141 21.0579 3.2498 18.5362C2.74819 16.0144 3.00563 13.4006 3.98957 11.0251C4.97351 8.64968 6.63975 6.61935 8.77759 5.1909C10.9154 3.76244 13.4288 3 16 3C19.4467 3.00364 22.7512 4.37445 25.1884 6.81163C27.6256 9.24882 28.9964 12.5533 29 16ZM27 16C27 13.8244 26.3549 11.6977 25.1462 9.88873C23.9375 8.07979 22.2195 6.66989 20.2095 5.83733C18.1995 5.00476 15.9878 4.78692 13.854 5.21136C11.7202 5.6358 9.76021 6.68345 8.22183 8.22183C6.68345 9.7602 5.63581 11.7202 5.21137 13.854C4.78693 15.9878 5.00477 18.1995 5.83733 20.2095C6.66989 22.2195 8.07979 23.9375 9.88873 25.1462C11.6977 26.3549 13.8244 27 16 27C18.9164 26.9967 21.7123 25.8367 23.7745 23.7745C25.8367 21.7123 26.9967 18.9164 27 16Z\" fill=\"#232320\"><\/path>\n                <\/svg>\n            <\/span>\n            <span class=\"did-you-know__title-text\">Will Payl8r affect my credit score?<\/span>\n        <\/h4>\n        <div class=\"did-you-know__content\">\n            <p>Using a buy now pay later service can affect your credit score. As part of the application process Payl8r will run a credit check on you. This can have a negative impact on your credit score, although it\u2019s usually temporary. You will be charged \u00a32 for the credit check, but this is refunded if you\u2019re approved. <\/p><p>It\u2019s sensible to use Payl8r\u2019s eligibility checker first to see how likely you are to be approved, without affecting your credit score. <\/p><p>If you are approved for a Payl8r account, using the service responsibly may improve your credit score, but missing payments could have the opposite effect. <\/p>\n        <\/div>\n    <\/div>\n<\/div>\n<h3>Features of shopping with Payl8r<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@m\"><ul class=\"list-1\"><li><b>Interest-free options.<\/b> Choosing to pay the full amount within 90 days will mean you won\u2019t ever have to pay a penny more than your shopping total, as long as you pay on time.<\/li><li><b>Change payment dates.<\/b> If you need to move the date of your payment to fit in with your payday, then no problem.<\/li><li><b>Repay early.<\/b> If you want to clear your payments earlier than planned, you can and it won\u2019t cost you anything extra to do so.<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@m\"><ul class=\"list-1\"><li><b>Automatic repay.<\/b> You\u2019ll be able to set up automatic payments from your bank account to your Payl8r account each month.<\/li><li><b>Security for details.<\/b> Payl8r guards and protects your information using banking security measures and encryptions.<\/li><li><b>Payment reminders.<\/b> Payl8r will give you a heads up text to your phone to help you avoid missing payments.<\/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 government\u2019s free money advice website, <a href=\"https:\/\/www.moneyhelper.org.uk\" target=\"_blank\" rel=\"noopener noreferrer\">MoneyHelper<\/a>.<\/li><\/ul><\/div><\/article><h3>How much does Payl8r cost to use?<\/h3><p>Payl8r doesn\u2019t charge any monthly or annual fees for its services but you will need to pay a deposit after Payl8r accepts your application. This deposit is usually 10% of your total purchase amount but the exact amount will be shown on your summary. You\u2019ll also need to pay a \u00a34.95 application fee. You\u2019ll only end up paying more than your shopping total if you choose payment option 2 and accept the interest rate that will be added. Or if you make late payments. <\/p><h3>Is Payl8r safe to use?<\/h3><p>In terms of account security, yes. Payl8r uses banking security measures and encryptions to keep your personal details protected. This means you\u2019ll be safe to shop using Payl8r.<\/p><h3>How can I sign up for Payl8r?<\/h3><p>If you\u2019re a UK citizen, have a UK bank account with either a credit or debit card linked to it and access to online banking, you can apply for one of Payl8r\u2019s payment options through one of its many retail partners. Once you submit your application after selecting Payl8r as the payment option, you should get an automated response in under a minute. Some shoppers may need to submit additional information (such as bank records) if required, which can take longer.<\/p><div class=\"importantText importantText__quote\">\n  <blockquote>\n    <div class=\"importantText__quoteIcon\"><\/div>\n    <p>Keep in mind that unlike spending on a credit card, purchases made through a BNPL service (with the exception of Monzo Flex) are not covered by Section 75 of the Consumer Credit Act. This means you won\u2019t have as much protection if something goes wrong with your purchase.\u201d<\/p>\n    <footer class=\"importantText__quoteAuthor\">\u2013 <cite>Rachel Wait, financial journalist<\/cite><\/footer>\n  <\/blockquote>\n<\/div>\n<h3>Pros and cons of Payl8r<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-4\"><li><strong>Interest-free options.<\/strong> Payl8r does offer interest-free options.<\/li><li><strong>No early repayment charges.<\/strong> If you choose the interest-free option, you can repay early without any extra cost.<\/li><li><strong>Use for retail, travel and beauty.<\/strong> Pay for items later across various sectors.<\/li><li><strong>No hidden fees.<\/strong> You will never be surprised with nasty fees. The only time you may pay more than the item itself is if you miss a payment.<\/li><li><strong>Range of payment plans.<\/strong> Various options available to suit your budget and purchase.<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-13\"><li><strong>Limited partnered retailers.<\/strong> Payl8r is only partnered with limited retailers, making it harder to shop around and pay for goods later.<\/li><li><strong>Late payment fees.<\/strong> Late payment fees can apply if you miss a payment and don\u2019t make it up within 28 days.<\/li><li><strong>Can affect your credit score.<\/strong> If you miss payments, this could negatively affect your credit score.<\/li><li><strong>Application fee.<\/strong> You\u2019ll need to pay a \u00a34.95 fee when you apply.<\/li><\/ul><\/div><\/div>\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>How can I contact Payl8r?<\/h3><p>Payl8er can be contacted by phone at <a href=\"tel:\/\/01614256363\">0161 425 6363<\/a> (Monday to Friday, 8.30am-5.30pm), or via emailing the support team at <a href=\"mailto:admin@payl8r.com\">admin@payl8r.com<\/a>.<\/p><h3>Customer reviews<\/h3><p>Payl8r is rated \u2018Excellent\u2019 on Trustpilot with a score of 4.4 out of 5 based on over 2,900 reviews (updated May 2024). Customers praise the Payl8r service but some did have issues with customer services. <\/p><h3>The verdict<\/h3><div class=\"importantText importantText__callout\">\n  <p>We love Payl8r\u2019s clear and stylish website design explaining the different payment plans on offer. It\u2019s available across numerous sectors and payment dates can be shifted to fit in with your budget. However, the late fees, charges for payment reminders and the impact the service can have on your credit score mean users should be very wary before signing up.<\/p>\n<\/div>\n<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 no longer wish to keep a previous purchase, all you\u2019ll need to do is contact the shop where you made your purchase. The shop will be able to handle your refund.<\/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 Payl8r?<\/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>That depends. If you\u2019re able to repay your loan as agreed and don\u2019t miss any payments, then your credit score could improve. If, on the other hand, you fail to pay on time or miss payments, your credit score is likely to deteriorate.<\/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\">Where do I go to manage my payments with Payl8r?<\/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>All you have to do is log in to your online Payl8r account. You\u2019ll be able to view all your purchases here and see when payments are due.<\/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\">Popular Reads<\/h3>\n                <div class=\"contentFeed__carousel\" data-post-count=\"10\">\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                            <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-pay-in-3-review\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/01\/paypal_in3_canva_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/01\/paypal_in3_canva_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/01\/paypal_in3_canva_450x250.jpg?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\/01\/paypal_in3_canva_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/01\/paypal_in3_canva_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/01\/paypal_in3_canva_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/01\/paypal_in3_canva_450x250.jpg?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-pay-in-3-review\">PayPal Pay in 3 review: What is it and how does it work?<\/a>            <\/p>        <\/header>        <p>PayPal\u2019s buy now, pay later service splits your shopping into three interest-free payments. We look at how to apply, key features and where you can shop.<\/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=\"10 May 2024\">10 May 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\/flava-review\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/flava_content-feed_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/flava_content-feed_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/flava_content-feed_450x250.jpg?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\/2020\/09\/flava_content-feed_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/flava_content-feed_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/flava_content-feed_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/flava_content-feed_450x250.jpg?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\/flava-review\">Flava review: Get your groceries now, pay later<\/a>            <\/p>        <\/header>        <p>Flava offers a pay later service different to any other in the UK, with a focus on groceries. Find out about fees and credit checks in our review.<\/p>                    <\/div>                <footer class=\"luna-card__footer\">            <div class=\"luna-author\">                <img decoding=\"async\" alt=\"Amelia Glean\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/02\/ameliaglean_supplied_512x512.jpg\" class=\"luna-avatar luna-avatar--small luna-avatar--greyscale\" height=\"45\" width=\"45\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/02\/ameliaglean_supplied_512x512.jpg?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\/ameliaglean\" rel=\"author\">Amelia Glean<\/a>                    <\/address>                    <time title=\"29 May 2024\">29 May 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\/zilch-stores\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/splititreview_getty_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/splititreview_getty_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/splititreview_getty_450x250.jpg?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\/2020\/09\/splititreview_getty_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/splititreview_getty_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/splititreview_getty_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/splititreview_getty_450x250.jpg?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\/zilch-stores\">Zilch store list: Which UK shops accept Zilch as a payment method?<\/a>            <\/p>        <\/header>        <p>Zilch allows you to shop now and pay later, but which UK retailers accept Zilch as a payment method? Find out in our full Zilch retailers list.<\/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=\"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\/zilch-review\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/Zilch_GettyImages_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/Zilch_GettyImages_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/Zilch_GettyImages_450x250.jpg?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\/2020\/09\/Zilch_GettyImages_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/Zilch_GettyImages_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/Zilch_GettyImages_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/Zilch_GettyImages_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"Woman in home office during Covid-19 lockdown\" 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\/zilch-review\">Zilch review: Buy it using your virtual card, pay for it later<\/a>            <\/p>        <\/header>        <p>Zilch allows consumers to pay for goods over time, almost anywhere. But what are its pros and cons and how does it compare to other card issuers or BNPL providers?<\/p>                    <\/div>                <footer class=\"luna-card__footer\">            <div class=\"luna-author\">                <img decoding=\"async\" alt=\"Melissa Stewart\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/MelissaStewartF1_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\/MelissaStewartF1_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\/melissastewart\" rel=\"author\">Melissa Stewart<\/a>                    <\/address>                    <time title=\"09 Jan 2026\">09 Jan 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\/instant-hit-the-rise-and-rise-of-buy-now-pay-later\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/08\/bnpl-450x250-1.png?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/08\/bnpl-450x250-1.png?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/08\/bnpl-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\/2020\/08\/bnpl-450x250-1.png\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/08\/bnpl-450x250-1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/08\/bnpl-450x250-1.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/08\/bnpl-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\/instant-hit-the-rise-and-rise-of-buy-now-pay-later\">Instant hit: The rise and rise of buy now, pay later<\/a>            <\/p>        <\/header>        <p>Download our free paper to get original research and data-driven analysis, as well as expert commentary and predictions on the future of buy now, pay later platforms in the retail industry.<\/p>                    <\/div>                <footer class=\"luna-card__footer\">            <div class=\"luna-author\">                <img decoding=\"async\" alt=\"Amelia Glean\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/02\/ameliaglean_supplied_512x512.jpg\" class=\"luna-avatar luna-avatar--small luna-avatar--greyscale\" height=\"45\" width=\"45\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/02\/ameliaglean_supplied_512x512.jpg?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\/ameliaglean\" rel=\"author\">Amelia Glean<\/a>                    <\/address>                    <time title=\"08 Feb 2024\">08 Feb 2024<\/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\">Popular Reads<\/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                    \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-pay-in-3-review\">\n            <picture>\n                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/01\/paypal_in3_canva_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/01\/paypal_in3_canva_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/01\/paypal_in3_canva_450x250.jpg?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\/01\/paypal_in3_canva_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/01\/paypal_in3_canva_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/01\/paypal_in3_canva_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/01\/paypal_in3_canva_450x250.jpg?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-pay-in-3-review\">PayPal Pay in 3 review: What is it and how does it work?<\/a>\n            <\/p>\n        <\/header>\n        <p>PayPal\u2019s buy now, pay later service splits your shopping into three interest-free payments. We look at how to apply, key features and where you can shop.<\/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=\"10 May 2024\">10 May 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\/flava-review\">\n            <picture>\n                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/flava_content-feed_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/flava_content-feed_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/flava_content-feed_450x250.jpg?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\/2020\/09\/flava_content-feed_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/flava_content-feed_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/flava_content-feed_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/flava_content-feed_450x250.jpg?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\/flava-review\">Flava review: Get your groceries now, pay later<\/a>\n            <\/p>\n        <\/header>\n        <p>Flava offers a pay later service different to any other in the UK, with a focus on groceries. Find out about fees and credit checks in our review.<\/p>\n\n                            <footer class=\"luna-card__footer--inline\">\n                <div class=\"luna-author\">\n                    <img decoding=\"async\" alt=\"Amelia Glean\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/02\/ameliaglean_supplied_512x512.jpg\" class=\"luna-avatar luna-avatar--small luna-avatar--greyscale\" height=\"45\" width=\"45\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/02\/ameliaglean_supplied_512x512.jpg?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\/ameliaglean\" rel=\"author\">Amelia Glean<\/a>\n                        <\/address>\n                        <time title=\"29 May 2024\">29 May 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\/zilch-stores\">\n            <picture>\n                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/splititreview_getty_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/splititreview_getty_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/splititreview_getty_450x250.jpg?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\/2020\/09\/splititreview_getty_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/splititreview_getty_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/splititreview_getty_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/splititreview_getty_450x250.jpg?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\/zilch-stores\">Zilch store list: Which UK shops accept Zilch as a payment method?<\/a>\n            <\/p>\n        <\/header>\n        <p>Zilch allows you to shop now and pay later, but which UK retailers accept Zilch as a payment method? Find out in our full Zilch retailers list.<\/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=\"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\/zilch-review\">\n            <picture>\n                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/Zilch_GettyImages_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/Zilch_GettyImages_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/Zilch_GettyImages_450x250.jpg?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\/2020\/09\/Zilch_GettyImages_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/Zilch_GettyImages_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/Zilch_GettyImages_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/09\/Zilch_GettyImages_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"Woman in home office during Covid-19 lockdown\" 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\/zilch-review\">Zilch review: Buy it using your virtual card, pay for it later<\/a>\n            <\/p>\n        <\/header>\n        <p>Zilch allows consumers to pay for goods over time, almost anywhere. But what are its pros and cons and how does it compare to other card issuers or BNPL providers?<\/p>\n\n                            <footer class=\"luna-card__footer--inline\">\n                <div class=\"luna-author\">\n                    <img decoding=\"async\" alt=\"Melissa Stewart\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/MelissaStewartF1_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\/MelissaStewartF1_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\/melissastewart\" rel=\"author\">Melissa Stewart<\/a>\n                        <\/address>\n                        <time title=\"09 Jan 2026\">09 Jan 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\/instant-hit-the-rise-and-rise-of-buy-now-pay-later\">\n            <picture>\n                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/08\/bnpl-450x250-1.png?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/08\/bnpl-450x250-1.png?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/08\/bnpl-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\/2020\/08\/bnpl-450x250-1.png\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/08\/bnpl-450x250-1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/08\/bnpl-450x250-1.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/08\/bnpl-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\/instant-hit-the-rise-and-rise-of-buy-now-pay-later\">Instant hit: The rise and rise of buy now, pay later<\/a>\n            <\/p>\n        <\/header>\n        <p>Download our free paper to get original research and data-driven analysis, as well as expert commentary and predictions on the future of buy now, pay later platforms in the retail industry.<\/p>\n\n                            <footer class=\"luna-card__footer--inline\">\n                <div class=\"luna-author\">\n                    <img decoding=\"async\" alt=\"Amelia Glean\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/02\/ameliaglean_supplied_512x512.jpg\" class=\"luna-avatar luna-avatar--small luna-avatar--greyscale\" height=\"45\" width=\"45\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/02\/ameliaglean_supplied_512x512.jpg?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\/ameliaglean\" rel=\"author\">Amelia Glean<\/a>\n                        <\/address>\n                        <time title=\"08 Feb 2024\">08 Feb 2024<\/time>\n                    <\/div>\n                <\/div>\n            <\/footer>\n            <\/div>\n\n        <\/article>\n\n            <\/div>\n<\/div>\n \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! 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