Abstract: People really like using Buy Now, Pay Later services because they can buy things without paying for them right away. Buy Now Pay Later services are easy to use and give people time to pay for the things they buy. Buy Now Pay Later services can also change the way people spend money and handle their finances. Some people who use Buy Now Pay Later services might start spending too much money or have trouble paying back what they owe on time.Buy Now Pay services can be frustrating when there are extra fees that people do not know about or when the rules are not clear. Sometimes Buy Now Pay Later services have problems that can cause issues for people who use them. This study aims to examine how BNPL usage impacts consumers’ financial behavior and to identify the common problems faced while using these services. The findings will help understand user experiences and support the development of more transparent and responsible BNPL systems.

Keywords: BNPL, pay, Coimbatore, online, People

Downloads: | DOI: 10.17148/IARJSET.2026.13307