Koko News | Business | 1 days ago

Rise of 'Buy Now, Pay Later' Loans Raises Concerns

Risingpricesanddwindlingjobgrowthhavemade'buynow, paylater'optionsmorepopular, especiallyamongyoungpeople.

物價上漲和就業成長放緩使得「先買後付」的消費方式越來越受歡迎，尤其是在年輕人中。

Thoughtheseloanscanbeusefulforlargepurchaseswithoutinterest, manyindividualsarestrugglingtorepaythem, leadingtopotentialfinancialtrouble.

雖然這些貸款可以用於無息大額購買，但許多人卻難以償還貸款，從而導致潛在的財務困境。

Despitetheeaseofusing'buynow, paylater'services, it'sessentialtousethemresponsiblytoavoidfinancialstress.

儘管「先買後付」服務使用起來很方便，但必須負責任地使用它們以避免財務壓力。

PopularcompaniesofferingtheseloansincludeKlarna, Afterpay, PayPal, andAffirm, dividingpurchasesintofourinstallmentswithoutinterest.

提供此類貸款的熱門公司包括 Klarna、Afterpay、PayPal 和 Affirm，將購買分為四期，不收取利息。

Expertsrecommendconsideringthenecessityofapurchaseandhavingaplanbeforeusing'buynow, paylater'optionstomaintainfinancialstability.

專家建議在使用「先買後付」選項之前考慮購買的必要性並製定計劃，以保持財務穩定。

Readingtermsandconditionscarefullyandtrackingpaymentsarecrucialtoensuresuccessfulrepaymentandavoidlatefees.

仔細閱讀條款和條件並追蹤付款對於確保成功還款和避免滯納金至關重要。

While'buynow, paylater'loanscanprovidecreditoptionsforindividualswithlowscoresornocredithistory, missingpaymentscannegativelyimpactcredit.

雖然「先買後付」貸款可以為信用評分低或沒有信用記錄的個人提供信用選擇，但錯過付款會對信用產生負面影響。

Rising prices and dwindling job growth have made 'buy now, pay later' options more popular, especially among young people.

Though these loans can be useful for large purchases without interest, many individuals are struggling to repay them, leading to potential financial trouble.

Despite the ease of using 'buy now, pay later' services, it's essential to use them responsibly to avoid financial stress.

Popular companies offering these loans include Klarna, Afterpay, PayPal, and Affirm, dividing purchases into four installments without interest.

Experts recommend considering the necessity of a purchase and having a plan before using 'buy now, pay later' options to maintain financial stability.

Reading terms and conditions carefully and tracking payments are crucial to ensure successful repayment and avoid late fees.

While 'buy now, pay later' loans can provide credit options for individuals with low scores or no credit history, missing payments can negatively impact credit.