this post was submitted on 06 Dec 2025
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Lemmy Shitpost
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Remember kids: someone is making money off of this, and it’s not you. There’s a reason some European countries have (started to) put this BNPL under strict credit regulation.
I'm glad at least some countries are taking notice.
The Dutch national Financial Authority, for example, has a good explanation on why this is problematic and what exactly will happen per November 2026: https://www.afm.nl/en/sector/actueel/2025/juli/pb-marktupdate-BNPL-2025
Wait, it's legal to put minors into debt in the Netherlands? In Sweden, a minor wouldn't be liable to pay any such invoice, as minors can't sign any legally-binding agreements without their guardian's consent.
No it’s not legal. Currently BNPL just doesn’t fall under the same strict rules as normal debt. So the KYC rules are pretty lax. Minors can easily circumvent the checks.