This is a big one, so long as the payments are on time most BNPL actually end up saving you a small bit of money compared to buying it out right. Even if a good credit card with good cash back and rewards. BNPL frequently ends up getting me a positive savings of 1-3%. Of course we know the reason they can offer these deals is because people frequently don’t pay back properly or on time. Thus subsidizing the service for the rest of us. It’s not healthy or good overall. But like with most things if you can take advantage of it and use it to your benefit, you should.