In this June 15, 2018, file photo, cash is fanned out from a wallet in North Andover, Mass. Buy now, pay later” loans typically offer a simple, zero-interest payment structure that can make keeping up with installments easy and affordable for some borrowers. But unlike other types of financing, such as credit cards, these plans aren’t currently reported to the major credit bureaus. (AP Photo/Elise Amendola, File)
