Whether you’re eyeing a big purchase or can’t resist an impulse buy, it’s much easier to hit the checkout button when you know you don’t have to immediately commit to the full cost. The rise of buy now, pay later (BNPL) is making short-term lending more accessible and popular. Federal Reserve data shows that 15% of people have used BNPL services in the past 12 months. Think about the last time you shopped online — you were likely offered a BNPL plan at checkout, even if you didn’t recognize it by name. “I ...