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Unlike layaway programs, buy now, pay later programs let you purchase goods immediately, paying them off over time through a loan from a third party company, like Klarna, Afterpay or Affirm. More than one in five consumers with a credit record in 2022 used buy now, pay later programs, according to a report released this year by the Consumer Financial Protection Bureau. But reports from Klarna and other financial services companies show that over the past year, a growing number of users are falli
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