In this June 15, 2018, file photo, cash is fanned out from a wallet in North Andover, Mass. “Buy now, pay later” payment plans are a popular financing option, especially around the holiday season. But these payment plans, which divide your total purchase into a series of smaller installments that you pay back over weeks or months, aren’t always the best choice for shoppers. (AP Photo/Elise Amendola, File)
