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Making a Year-End Gift? Click Here for Deadlines

Holiday shoppers are opting to buy now, pay later — without using credit cards.

By Jordan-Marie Smith,

Jeanette Woods, Mary Louise Kelly

Published December 2, 2025 at 5:01 PM EST

Klarna, Affirm, and other companies are pushing "buy now, pay later" sales models. And consumers are taking advantage.

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