Clicking the "pay later" option at checkout could start impacting your credit score in the coming weeks. In February, the credit scoring agency FICO announced it would begin factoring Buy Now, Pay Later (BNPL) loans, like those offered by Affirm and Afterpay, into its credit scores in fall 2025. While some BNPL servicers have recently begun taking steps to report customer habits to credit agencies on their own − such as Affirm to Experian and TransUnion and Klarna to TransUnion − FICO is the first to crea ...