Consumers in 2025 are still striving for financial wellness, but many feel the credit system is unfair, leading to a search for better payment options. A recent survey shows that nearly 25% of respondents find the current credit landscape inequitable, pushing them towards alternatives like overdrafts, payday loans, or credit card debt. The Buy Now, Pay Later (BNPL) model, particularly Afterpay's Pay-In-4 option, is gaining traction as a flexible solution that allows consumers to make purchases without the burden of high-interest debt. BNPL enables users to split payments into four installments over six weeks, allowing for better cash flow management. This method is especially appealing to Gen Z and millennials, who are increasingly wary of traditional credit options. With Afterpay, consumers can avoid accumulating debt while still enjoying their purchases, leading to a significant increase in BNPL transactions. Overall, BNPL is proving to be a game-changer for those looking to maintain financial wellness.
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