'Buy now, pay later' services allow purchases to be divided into installments. Those who use them usually end up more in debt.

Latinos are 47% more likely to use them, according to data. Financial experts and researchers have warned about the risk of spending on these platforms.. Some users have warned on social media that that are not always able to always pay off their debts. Some have criticized the services' advertising practices, and some have about paying later, and have about being poor.