Plan your purchase

Check the price of your purchase to see if you can afford to make the monthly instalment payments to avoid paying any penalties. Paying for these penalties can affect your budget in the following months.

Always compare plans

Compare a few BNPL plans to see which ones would work best for your budget. The key areas to check are number of months of instalments, late payment and fee/penalties.

Limit the number of purchases you make

Have a limit of the number of purchases you make using BNPL. Since each BNPL instalment is usually quite low, you could lose track of the total payments you have to make each month. If you limit your purchases, it will be easier to keep track and also be more manageable to make monthly repayments.