Buy Now, Pay Later services provides the option to buy things in instalments, sometimes without paying anything up front at all. You'll often find these services, like Clearpay and Klarna at the checkout page of your favourite online shop. The BNPL provider you use will determine how many instalments you need to pay and how often you'll pay them. Instalments are a little like standing orders; payment is automatically taken from your card. So you don't need to worry about manually making payments on specific dates, but you do need to make sure you have enough money in your account to cover the payment.