this post was submitted on 06 Dec 2025
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It really should be called "buy now, pay more later". When are these greedy fucks going to learn that it's not good when consumers don't have money to spend? If all their money goes towards interest payments then we see a collapse in demand.
Except many BNPL options are 0% interest rate. I just renovated an apartment with ikea stuff and they offered me 0% interest rate over 1 year - it makes no sense to not take this offer.
Many companies would gladly lose 4% (avg inflation) to guarantee a sale especially when dipping on loans are basically impossible today for the average consumer.
Until you miss a payment and they hit you with the fine for missing a payment.
THEY HAVE TO MAKE MONEY!
I don’t know if we have enough information. I agree with you that BNPL purchases are typically bad for the consumer, but I don’t necessarily think any to call people greedy in a difficult economy. Sometimes, people end up in shitty situations, trying to keep their life together, even when they can’t afford to.
Was the volume items purchased greater than before or are prices just completely out of control? The article doesn’t indicate that it accounts for inflation. Inflation was about 3% and BNLPL was up 4%.
What about the types of items that were purchased? It doesn’t actually say what types of items were used to BNPL transactions so we don’t know if it was household needs or unnecessary consumption.