Borrowing
Buy now, pay later is credit, and it is starting to show
Deferred payment products sit outside older consumer credit rules in many places, and that is changing.
Borrowing
Loans, overdrafts, affordability checks and how a lending decision is made.
3 articles · updated August 11, 2026
Borrowing
Affordability assessment is not the same as a credit check
Lenders ask two separate questions: whether you repay debts, and whether you can afford this one. Passing one does not pass the other.
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Borrowing
Applying for credit leaves a mark, and clustering makes it worse
Each application creates a search. Several in a short period reads as pressure, whatever the reason.