In my years as a personal finance writer, I've learned a lot about buy-now, pay-later apps. AdvertisementBuy-now, pay-later apps and services are popping up everywhere in the online shopping world. What are buy-now, pay-later apps? Why I think buy-now, pay-later apps are bad for consumersBuy-now, pay-later apps are not always a bad thing. The badHowever, perhaps the biggest downfall to buy-now, pay-later apps is that they encourage overspending.

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