PayLater: Trap or Financial Solution?

[Suba]

I make purchases on marketplaces more than three times a week, always paying with a debit card, bank transfer, or e-wallet. However, every time I open a marketplace, I'm always greeted with a PayLater ad, requiring me to tap the "cross" icon to access the homepage.

PayLater ads consistently offer several benefits, such as requiring buyers to have cash and very low interest rates and installments. This is why PayLater's rating is expected to increase dramatically by the end of 2025. We also need to recognize that PayLater is no longer just a passive feature on marketplaces but a distinct part of the digital credit landscape, whose growth is also measured by the number of users.

I believe the increase in PayLater users will correlate with increased impulse buying behavior. Even people with money or the ability to pay in cash are tempted to try PayLater, which can, without us realizing it, create more spontaneous consumption patterns when we open marketplace apps.

 

[Kera]

PayLater can be a financial opportunity depending on the person and situation. If I am taking it, I ensure that I just do that when I need something very useful so desperately at the moment.

 

[Nomad]

It is a financial solution only when you buy things that you actually need and have financial capacity to payback.

 

[Starmix]

I have not experienced purchasing paying later plan. I always pay on the spot. I don't like to think about debt, big or small, as it gives me trouble.

 

[Fidelia]

I don't do PayLater purchases. It always feels like a trap to me. Before you finish paying, the product has depreciated so much.