“Buy now, pay later apps are just predatory payday loans with better marketing”
Agree
- Encourages spending money you don't have
- Hidden fees and interest trap users
- Normalizes debt for basic purchases
- Targets young people without financial literacy
Disagree
- Interest-free if you pay on time
- Helpful for managing cash flow strategically
- Better than credit card interest rates
- Personal responsibility matters more than tool
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