Buy now, pay later: A split decision

Buy Now, Pay Later (BNPL) services like Affirm (AFRM) and Klarna (KLAR) are becoming a go-to option at checkout, allowing shoppers to split purchases into smaller, often interest-free payments. Federal Reserve data shows younger users are more likely to use BNPL—and more likely to miss a payment. From an investment standpoint, analysts remain divided between Affirm and Klarna, while experts warn the convenience of BNPL can come with budgeting risks.Episode transcripts seekingalpha.com/wsb.Show links: Affirm signals 30% GMV growth in Q3 2026 while advancing card and international expansionAffirm: Groceries On Credit? The Shift In BNPL And The Credit MarketAffirm: Merchant Concentration And U.K. Challenges Point To 30% DownsideKlarna Group plc (KLAR) Q3 2025 Earnings Call TranscriptKlarna Proves Itself A BNPL/Neobank Disruptor - Initiate Buy With CaveatsSign up for our daily newsletter here and for full access to analyst ratings, stock quant scores, dividend grades, subscribe to Seeking Alpha Premium at seekingalpha.com/subscriptions.