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5 Tactics to Pay Off Purchase Now pay later debt advertiser Disclosure You're our first priority. Every time. We believe that everyone should be able to make sound financial decisions without hesitation. And while our site doesn't feature every company or financial product that is available on the market, we're proud of the advice we provide, the information we provide and the tools we create are objective, independent easy to use and cost-free. How do we earn money? Our partners pay us. This could influence the types of products we review and write about (and where they are featured on the site) however it doesn't affect our suggestions or recommendations that are based on many hours of research. Our partners do not promise us favorable review of their services or products. . 5 Tactics to Pay Off Buy Now and Pay Later Debt. When your buy now, when your bills due to pay later are due be sure to consider these tips to plan your strategy for getting out of debt. By Melissa Lambarena Lead Writer | Credit cards, credit cards, Melissa Lambarena is a lead writer for the credit card group at NerdWallet. She has been enthusiastically covering topics related to credit cards for more than six years. Her prior experience includes nine years as an author for various sites and publications. Through her work, she hopes to assist readers to extract value from credit cards to meet financial goals like stretching their budget, building credit, going to dream destinations and repaying debt. She covers these topics as well as others in her Millennial Money column featured in The Associated Press. Her work has also been published in The New York Times, Chicago Tribune, The Washington Post, USA Today and Yahoo Finance, among others. Melissa holds a bachelor's degree in sociology from The University of California, Los Angeles. Jan 13th, 2023 Edited by Kenley Young Assigning Editor | Credit cards, credit scores Kenley Young directs daily credit cards coverage for NerdWallet. Previously, he was a homepage editor and digital content producer at Fox Sports, and before that a front page editor for Yahoo. He has years of experience in digital and print media. This includes stints as a copy desk chief as well as a wire editor as well as metro editor at McClatchy. McClatchy newspapers chain. Email:
. A majority or all of the items featured here come from our partners who pay us. This influences which products we write about and the location and manner in which the product is featured on a page. But, it doesn't affect our assessments. Our views are our own. Here's a list and . It's likely the " " bill from the holiday season is coming shortly or may have already appeared. If you're not financially ready to cover the bill charges for late fees, or any other charges could put you deeper in debt. Circumstances can change over just a few weeks due to economic setbacks such as unemployment, unexpected bills, a family emergency or other circumstances. If you're struggling financially because of those buy-now-pay-in-four and pay later plans- and possibly other debts, it's crucial to devise plans to pay off debts. Here are a few ideas to think about when you think about ways to get out of debt. 1. Update your budget Review your and reduce unnecessary expenses, or swap services for less costly alternatives. You can cancel subscriptions that are not being used, for instance, or choose an affordable streaming service. If you're struggling with credit card debt that may take three to five years of repayment to clear, you should consider consulting an accredited nonprofit credit counseling agency about a , which can make one low-interest installment. Note that accounts enrolled in the program are usually required to be shut down, which can impact your financial situation in the short term. 2. Change your payment due date Some lenders , such as Klarna and Afterpay permit you to change the date of payment or ask for an extension. Klarna customers who take advantage of a pay-in-four loan are able to extend due dates of the payment for every order once by 14 days according to the company's website. Afterpay may provide more leeway by allowing modifications to the date of payment at least six times per year within the application, according Amanda Pires, a company spokesperson. The policies of lenders may vary therefore, make sure you read the terms or ask the lender for advice on your options. 3. Inform lenders of difficult times if a financial issue or emergency stops you from making payments then the buy now, pay later lender may offer some relief. Major buy now pay later firms that have hardship policies generally encourage you to contact customer service as soon as you can about any hardship. "Affirm customers who face financial difficulties can contact us through our help desk so that we can work with them to identify an available solution to repay that best suits their personal needs," Casey Becker, an official spokesperson for the company, stated via email. The terms of loans vary from lender to lender. 4. Take a look at a balance transfer card If you have good credit (a FICO score of 690 or greater), a few issuers will allow you to use the card to used to pay off buy today, and later pay off debt. It could save you time if you're having trouble meeting a schedule's payment deadlines, however, there are some things to know. Balance transfer credit cards are designed to help avoid interest charges within a specific timeframe and therefore they may not make sense for certain buy now, plan to pay in the future that doesn't have interest charges to begin with. You can also transfer your balance up to as high as your credit limit allows, and there's typically a fee charged on the amount transferred, usually between three and five percent. Compare potential buy now, pay later costs against these variables. The process and terms will differ between the different card issuers that permit this, so make sure you know what to expect. Wells Fargo, for instance will allow you to use a balance transfer to pay off a buy-now or pay later on debt. "The most common practice is to transfer balances from a different credit card issuer into your Wells Fargo account to save on interest charges," Sarah DuBois, a Wells Fargo spokesperson, said via email. "If there's an entity that isn't technically a retailer (or bank) card issuer), customers do have other options for how to avail their balance transfer offer (i.e. using a balance transfer cheque that is usually issued along in conjunction with this offer)." When an issuer of credit cards offers a balance transfer option that is in the form of checks, your capacity to use it may also be contingent on the lending institution's ability to accept the payment method. 5. Be aware of the pros and cons of the personal loan Personal loan can consolidate multiple debts into a monthly fixed payment that has a low interest rate for a specified time. If the funds are sent to an account in your account at a bank, it's generally possible to use them to pay any creditors, including buy now, pay later lenders. A credit score that is good could be able to qualify you for a lower interest rate. But again, it's not ideal to pay off debt with credit, which is why it's crucial to determine if the proposed interest rate will save you money compared to any charges that could be imposed for buy now, pay later plans. If your buy now pay later plan does not charge interest or fees, making it possible to pay it off using an individual loan may not be ideal. It could be worth using the loan to pay off other debts -- if that can free up money to pay off buy-now or plan to pay it off later. This article was composed by NerdWallet and first written by The Associated Press. About the writer: Melissa Lambarena is a credit card journalist at NerdWallet. Her work has been featured in The Associated Press, New York Times, Washington Post and USA Today. In a similar vein... Discover the perfect credit card that is right for you. Whether you want to lower your interest rate or earn rewards, the perfect card is out there. Just answer a few inquiries and we'll be able to narrow down the results for the right card for. Explore even more in credit Cards Discover more intelligent money moves - straight to your inbox. Sign up and we'll email you Nerdy articles about the topics in finance that matter most to you along with other ways to help you get more out of your money. Make the best financial decisions

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