SHOPPERS happen to be warned not to use buy now, pay later this Christmas over debt concerns.
With Christmas around the corner and people's pockets stretched in the cost of living crisis, many might be lured to turn to borrowing money.
Buy now, pay later (BNPL) firms let shoppers buy items on credit and pay it off later on.
Payments are often disseminate over several months, but some firms also ask shoppers to pay for the full balance through the next month.
But experts have warned using BNPL to buy presents along with other festive treats could land individuals serious debt later on.
And it might give you less protection as they are not fully regulated in the same manner as credit cards.
Andrew Hagger, personal finance expert at