Half of shoppers are relying on BNPL this holiday season, but here are 3 alternatives [CNBC]
Wells Fargo & Company (WFC)
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Source: CNBC
If you're planning on using buy now, pay later (BNPL) to cover your holiday shopping this year — and half of shoppers are, per PayPal — know that there are alternative financing options out there offering similar flexibility. While BNPL helps you pay for things over time, it can encourage overspending and it doesn't offer the same protections or perks as credit cards. Here's what else you can use to make your holiday spending easier. 0% APR cards Do you like the idea of breaking up payments the way BNPL offers? If so, a 0% APR credit card can be a smarter alternative — especially if you're disciplined about paying on time. With BNPL, your payments are split typically over a short period, like six weeks, but you don't get the same consumer protections and perks you would with a credit card. A 0% APR credit card, on the other hand, gives you the flexibility to spread out your holiday purchases interest-free for a much longer period — often 12 to 18 months — while also offering
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