Nearly half of young people don't realise buy now, 支払う／賃金 later can get them in 負債
Nearly half of people 老年の between 18 and 34 don't know that buy now, 支払う／賃金 later 貸す人s can 追加する 料金s for 行方不明になるd 支払い（額）s, 研究 （人命などを）奪う，主張するs.
Some 46 per cent of young people said they were unaware that they could get into 負債 by using BNPL 製品s, compared with 35 per cent on 普通の／平均（する）.?
The 熟考する／考慮する by 貸す人 Creditspring also 明らかにする／漏らすd that BNPL 製品s are now the second most ありふれた form of borrowing の中で the younger 世代.
Buy now 支払う／賃金 later 巨大（な） Klarna said that other 研究 反駁するs Creditspring's findings, 特記する／引用するing?the FCAs 財政上の Lives 調査する of 19,000 消費者s, which it said 設立する that 81 per cent of 消費者s were fully aware of any 料金s 告発（する），告訴（する）／料金d.
Borrowing: Buy now, 支払う／賃金 later 製品s 許す 使用者s to 分裂（する） 支払い（額）s into instalments, but can see them rack up 負債
Creditspring said its 研究 showed th at while credit cards are still the most popular form of borrowing for young adults, with 19 per cent taking out these 製品s, 15 per cent of 18 to 34 year-olds said they had taken out BNPL 製品s for the first time since August last year.
This compares with 13 per cent of 35 to 54 year-olds, while の中で those over 55, only four per cent had started to use these 製品s in the last six months.
Young people are by far the biggest 使用者s of BNPL services, with 36 per cent of 18 to 34-year-olds already using these 製品s at least once a month, compared with just 20 per cent of 35 to 54-year-olds.
Creditspring 申し込む／申し出s 製品s that compete with BNPL, 申し込む／申し出ing borrowers 'two no- 利益／興味 貸付金s per year' but it 告発（する），告訴（する）／料金s them a £7 月毎の 料金. BNPL providers on the other 手渡す are paid by the companies selling the goods and services that 貸付金s are taken out to 購入（する）.
Neil Kadagathur, Creditspring 長，指導者 (n)役員／(a)執行力のある and co-創立者 said: 'The UK is sitting on a ticking BNPL timebomb ? millions of young people are unknowingly putting their 財政上の 未来 at 危険 by piling up BNPL 負債.
'There is a 抱擁する knowledge gap when it comes to BNPL ? this is driven by 貸す人s who continue to 申し込む／申し出 a 欠如（する） of transparency, 混乱させるing 返済 条件 and hidden costs. BNPL 貸す人s need to step up and take 責任／義務 for 取り組むing the misconceptions that still 存在する about the 危険s of using these 製品s,' Kadagathur said.
Buy now, 支払う／賃金 later 製品s 許す 使用者s to take out a 貸付金 for a 明確な／細部 購入（する）, which is then paid 支援する in instalments. Often, these 製品s 申し込む／申し出 an 利益／興味-解放する／自由な 貸付金 for an 初期の period.
However, these 製品s are 一般に unregulated, and providers don't have to run credit checks on 使用者s.
This means that those who are already financially 攻撃を受けやすい could find themselves racking up even more 負債 if they don't 支払う／賃金 the money 支援する on time.
Klarna says that it and 競争相手s Paypal and Zilch all run credit checks with 外部の credit 言及／関連 機関s.
The 欠如（する） of 規則 of BNPL 製品s also means that 使用者s cannot complain to the 財政上の Ombudsman with their 関心s, something which a 大規模な 88 per cent of young people do not realise.
A fifth of young people, 一方／合間, don't know that BNPL is not 規制するd under the 消費者 Credit 行為／法令／行動する. Providers must がまんする by the FCA’s 原則s for 商売／仕事 and there is a 明確な／細部 Advertising 基準s 当局 code for advertising BNPL.
With the onset of the Covid pandemic and the cost of living 危機, BNPL has become an ますます popular 選択, 特に の中で younger 世代s, with 製品s such as Klarna and Clearpay 主要な the 産業.
In many 事例／患者s though, those using these 製品s are not aware that they are borrowing money in a 類似の way to using a credit card.
< p class="mol-para-with-font">Only 37 per cent of young people say they can 会合，会う their BNPL 負債s without 問題／発行する, compared with 60 per cent of those between 35 and 54, によれば Creditspring.負債 charity StepChange has 警告するd that those with BNPL 負債s are three times as likely to be in problem 負債 compared with the 普通の／平均（する） UK adult.
StepChange 長，率いる of communications Simon Trevethick said: 'Our 研究 明らかにする／漏らすs a worrying crossover between use of BNPL and 財政上の hardship, but also that BNPL use is becoming much more ありふれた.?
'With living costs stretching 世帯 予算s, there's a 関心 that people are relying on credit like BNPL to make ends 会合，会う, which 現在のs as more of a 危険 as it's not 規制するd in the same way as other types of 消費者 credit.
'With BNPL remaining unregulated, there's a 欠如（する） of consistency across the 部門, meaning affordability checks can be patchy, as can 消費者 understanding.
'Younger people who may have いっそう少なく 財政上の experience can be more 攻撃を受けやすい to 落ちるing into problem 負債 after using BNPL - 特に as at checkouts it's not always （疑いを）晴らす that BNPL is a form of borrowing.'
Kadagathur 追加するd: '規則 of BNPL is 絶対 必須の, and can't come soon enough.?
'計画（する）s to bring the BNPL market to heel have been 延期するd for far too long, which has led to 増加するd 混乱 and 最終的に punished borrowers. The regulator needs to 押し進める through this much-needed 法律制定 as a 優先.'
