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Holiday shoppers are opting to buy now, pay later — without using credit cards.

By Jordan-Marie Smith,
Jeanette Woods, Mary Louise Kelly
Published December 2, 2025 at 5:01 PM EST

Klarna, Affirm, and other companies are pushing "buy now, pay later" sales models. And consumers are taking advantage.

Copyright 2025 NPR
Jordan-Marie Smith
Jordan-Marie Smith is a producer with NPR's All Things Considered.
Jeanette Woods
[Copyright 2024 NPR]
Mary Louise Kelly
Mary Louise Kelly is a co-host of All Things Considered, NPR's award-winning afternoon newsmagazine.