Seeing a "buy now, pay later" option offered at checkout can be tempting for travelers. But is it worth it?

"The short answer is don't do it," said Clint Henderson, a travel expert at The Points Guy. "All the airlines offer some form of 'buy now, pay later' now, so they're all getting in on the act. You know, this is free money for them."

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These point-of-sale loans give consumers the ability to make installment payments over a fixed period of time. But as simple as it sounds, the drawbacks can be costly.

"Even though some of these buy now, pay later loans don't have interest rates, or high interest rates, some of them do, and some of their fees can actually translate into roughly on par with the interest rates cred

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