Afterpay、Affirm 和 Klarna 等分期贷款提供商在疫情期间的采用率不断提高，影响了消费者的消费习惯。 Installment loan providers like Afterpay, Affirm, and Klarna experience increasing adoption during the pandemic, affecting consumer spending habits.
随着疫情期间此类分期付款方式的采用日益增多，类似于“先买后付”服务的分期付款计划越来越多地出现在结账时。 Installment plans similar to 'buy now, pay later' services are increasingly appearing at checkouts, as adoption of these methods grew during the pandemic. Afterpay、Affirm、Sezzle、Klarna 和 American Express Platinum 等产品允许用户将购买分成多个免息分期付款。 Offerings like Afterpay, Affirm, Sezzle, Klarna, and American Express Platinum have allowed users to break up purchases into multiple interest-free installments. 尽管采用率有所下降，分期贷款对消费者支出的影响仍在不断增长，信贷的“BNPL 化”变得越来越普遍。 Despite a cooling in adoption rates, the influence of installment loans on consumer spending continues to grow, with the 'BNPL-ification' of credit becoming more common.