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you may have come across company names like after pay clerna quad pay sezzle paybrite and many more because they seem to be everywhere when you are shopping online in this video were going to take a look at what buy now pay later companies are what exactly they offer namely very short term zero percent interest loans how they make money doing this and a number of reasons why you may want to avoid them collectively these companies are known as buy now pay later companies or bnpl for short now not all buy now pay later offers are zero percent interest or short term there are many providers who offer longer term financing some with zero percent interest but a smorgasbord of other fees that effectively amount to a hefty cost of borrowing and others with clearly spelled out interest rates but one of the more popular buy now pay later offers is when you get to an online checkout and instead of seeing a total cost of 100 for whatever youre buying youre offered the option of making four pa