This. It doesn't seem materially different from a credit card: if you pay within a certain window, no interest charges. It's just that BNPL is associated with b

This. It doesn't seem materially different from a credit card: if you pay within a certain window, no interest charges. It's just that BNPL is associated with being unable to afford it at the moment. And, not surprisingly, comedians used to make exactly that joke! When fast food chains like McDonald's started accepting credit cards, they would joke that if you pay with one, it's like you're saying you can't afford the meal all at once.