Part 4/10:
BNPL services have introduced an alluringly simple way for consumers to break down payments into more digestible chunks. Companies like Affirm and Afterpay allow immediate access to products without upfront costs, attracting impulse buyers, especially among younger generations. Given that these services perform soft credit checks and require no minimum scores, they have become a staple for those seeking quick enjoyment of their purchases, albeit with potential long-term financial pitfalls.