Buy Now, Pay Later programs will soon factor into consumer credit scores. 

Services like Klarna, Affirm, and Afterpay offer customers the chance to pay off purchases over time, but FICO hasn’t monitored nonpayment and slow payments.   

Later this year, FICO will start monitoring consumers’ repayment behavior on the loans.

The service will give a better representation of credit activity. 

https://www.cnn.com/2025/06/23/economy/fico-scores-buy-now-pay-later-bnpl