Blog

You’ve probably seen options like Klarna or Clearpay at checkout. Split the cost, no interest, just smaller payments. It can feel like an easy way to manage spending. But it’s important to remember: Buy Now, Pay Later (BNPL) is still a form of credit. And from 15 July 2026, it will start to be treated more like one. What’s changing? Until now, most BNPL products haven’t been regulated in the same way as loans or credit cards. From July 2026, that changes. BNPL providers will