Social media influencers are all over Facebook, Instagram, and TikTok raving about Buy Now Pay Later making it easy to get all the stuff you want. They are being paid to make you want to do it. It promotes spending without thinking. There are a few situations where it can be a good strategy. We pull apart how Buy Now Pay Later works, when it may make sense to use it, and better ways to make the purchases you don’t have the immediate cash to afford.