Synopsis

Consumer habits are shifting, and the option to buy now and pay later has become remarkably accessible. Transactions facilitated by firms such as Klarna and Clearpay have surged to an estimated £2.7 billion. These companies assert they are transforming credit by enabling customers to distribute payments over several months, yet debt charities are growing increasingly wary. Reporter Ellie Flynn examines the close ties between the Buy Now Pay Later market and retailers, questioning whether suffici